- Fast, free, and secure service for members enrolled in online banking*
- Available to all members
- Easily keep track of your finances — even on the go:
- View account balances
- Review history
- Transfer funds between accounts
- Receive alerts
- Pay bills
- Make loan payments
- Find branch and ATM locations
- Available via any web-enabled cell phone or device
- Utilize this service two convenient ways:
- Save valuable time and effort; avoid an extra trip to a branch
FIRST TIME USERS
Northern Skies eMobile is available to Northern Skies Federal Credit Union members that are enrolled in eNavigator! online banking. If you are not a member and would like more information or are not enrolled in eNavigator! online banking, please contact us.
That camera on your phone can do more than take selfies. In just a snap, you can deposit checks to your account right from your smartphone. No driving or waiting in line at a branch necessary — download our mobile banking app today to get started!
- Deposit checks anytime, anywhere from your mobile phone
- Free service for customers with a Northern Skies checking account
- Save time, avoid unnecessary trips to a branch
- Deposit your check in just a few quick clicks
LEARN MORE
View our Mobile Deposit Guide for a step-by-step guide on how to deposit a check with your mobile device.
Have a question? View our Mobile Deposit FAQ to find an answer!
To access the complete disclosure please view our Remote Deposit Capture Disclosure.
Should you have questions or need additional support, please give us a call or contact us at [email protected].
DEVICE AND BROWSER REQUIREMENTS
To ensure that you are able to continue to utilize many of the electronic services that we offer, it is essential that you ensure that your internet browsers (mobile devices as well) up to date and supported. In general, and to ensure that users keep their browsers as secure as possible, our Online and Mobile banking platforms support the last two versions of supported browsers.
Supported Browsers Page
- Google Chrome: Latest 2 versions
- Firefox: Latest 2 versions
- Microsoft Edge: Latest 2 versions
- Safari: Last 2 major releases
- Chrome for Android: Last 2 major releases
- Mobile Safari for iOS: Last 2 major releases
Browser Support Alert - A popup may display if your device is not using a supported version. If this occurs, please update your device and/or browser.
Device Support:
Windows and Apple OSX computing platforms as well as Android and iOS mobile platforms are supported as follows:
- Android: V6.0 and above
- iOS: The last two major releases
- Windows for Desktop/Laptop: Versions still supported by Microsoft (Latest Version Preferred)
- OSX for Desktop/Laptop: Versions still supported by Apple (Latest Version Preferred)
To help you determine which browser you currently have, simply click on the link below. Then, follow the online links to update your version if need be.
*Wireless carrier data rates may apply.
Use this calculator to determine your projected earnings from our Peak Rewards Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
ATVs, RVs, and More
| TYPE | APR | TERMS |
|---|---|---|
| Aircraft | As low as 7.35% | Up to 144 months (APR may vary) |
| Boats | As low as 6.89% | Up to 240 months (APR may vary) |
| Motorcycles & Off-Road Vehicles | As low as 6.29% | Up to 60 months (APR may vary) |
| Motorhomes, Campers, & Trailers | As low as 7.25% | Up to 240 months (APR may vary) |
Auto Loans
| TYPE | APR | TERMS |
|---|---|---|
| New | As low as 5.39% | Up to 84 months (APR may vary) |
| Used | As low as 5.39% | Up to 84 months (APR may vary) |
| Classics & Collectibles | As low as 8.50% | Up to 72 months (APR may vary) |
APR=Annual Percentage Rate. Rates effective as of 11/10/2025 and subject to change without notice. Rates are based on an evaluation of your credit history and other factors, so your rate may differ. Maximum APR is 18%. All loans are subject to approval, not all who apply will qualify.
Payment Example: $20,000 vehicle loan with a 60 month term = $382.02 per month at 5.39% APR
Consumer Loans - Other
| TYPE | APR | TERMS |
|---|---|---|
| Signature | As low as 11.35% | Up to 60 months (APR may vary) |
| Platinum VISA Credit Card | As low as 8.95% | Revolving / No Annual Fee |
|
As low as 12.95% |
Revolving / $15 Annual Fee |
|
|
18.00% Fixed |
Up to 6 months / $20 Application Fee |
|
| Miscellaneous Collateral | As low as 8.00% | Up to 84 months (APR may vary) |
| Pledge of Shares/Pledge of Certificate | Div Rate + 3.00% | Up to 144 months (APR may vary) |
Fees
| CREDIT UNION SERVICES | APPLICABLE FEES & CONDITIONS | WAYS TO AVOID FEE |
|---|---|---|
| Loan Payment by Card | $4.95 per loan | You can avoid this by connecting your external account in online banking and setting up an automatic transfer. Check out our Ways to Make a Loan Payment page for more options! |
| Inactive Account Fee (If combined balance falls below $50 with no member-initiated activity for 1 year. Waived if loan activity on same acct.) |
$5.00 per month/per account | You can avoid inactivity by simply logging into online banking or keeping an aggregate balance of $50 in your account. This fee is not applied if there is an active loan on the same account. |
| Member Checking | $5.00 per month | This fee is WAIVED if the account balance is $100 or more for the full calendar month - OR - with an active direct deposit to the account. |
| Non-Sufficient Funds (NSF) | $25.00 per item | You can avoid this fee by choosing your VISA Platinum account as your overdraft account, opting into Courtesy Pay, or by choosing another account as your designated overdraft account. |
| Courtesy Pay / NSF Check & Debit Clearing Fee Fee based on amount of overdraft |
Overdraft amount between: $ 0.00 - $ 5.00 = $ 0.00 $ 5.01 - $10.00 = $ 5.00 $10.01 - $15.00 = $10.00 $15.01 - $20.00 = $15.00 $20.01 - $25.00 = $20.00 Over $25.00 = $25.00 |
You can avoid this fee by choosing your VISA Platinum account as your overdraft account or by choosing another account as your designated overdraft account. |
| Transfer for Overdraft | $5.00 per transfer | You can avoid this fee by choosing your VISA Platinum account as your overdraft account. |
| Stop Payments | $10.00 per item / $20.00 per series | N/A |
| Counter Checks | $.25 each | N/A |
| Order of Checks | Varies | You can avoid check fees by using our VISA Debit Card. You can also cut checks for free with the Bill Pay feature available in Online Banking and the mobile app. |
Other Services
| Service | Fee |
|---|---|
| Cashiers Check | $1.00 each (Free if payable to self) |
| Money Order | $1.00 each |
| Stop Payment of Cashiers Check or Money Order | $10.00 each |
| ATM Surcharge | Varies |
| VISA Card Order Rush Delivery Fee | $25.00 per card |
| VISA Gift Card | $9.95 per card |
| VISA Travel Money Card (re-loadable) | $9.95 per card (plus $4.95 per re-load) |
| Cash Advance Fee | $4.95 |
| Coin Counter | FREE for members and non-members |
| ACH Loan Payment | FREE |
| Wire Transfer | $20.00 each |
| International Wire Transfer | $60.00 each |
| International Service Assessment (ISA) | One Percent (1%) |
| Outgoing Foreign Item Collection Fee | $25.00 each |
| Safe Deposit Boxes (3"x5") | $40.00 per year |
| Safe Deposit Boxes (5"x5") | $40.00 per year |
| Safe Deposit Boxes (3"x10") | $60.00 per year |
| Safe Deposit Boxes (5"x10") | $70.00 per year |
| Safe Deposit Boxes (7"x10") | $85.00 per year |
| Safe Deposit Boxes (10"x10") | $105.00 per year |
| Safe Deposit Box - New Key | $150.00 |
| Notary for Member or Non-Member | FREE |
| Skip-A-Payment | $25.00 |
| Verification of Deposit | $10.00 |
| DMV Document Rush | $10.00 |
| Returned Deposited Item (if written by self) | $20.00 per item |
| Research | $15.00 per hour ($5.00 minimum) |
| Levy/Garnishment Fee | $40.00 per item |
| Escheat | $20.00 |
| Subordination Agreement Fee | $75.00 |
Home Equity & Real Estate Products
| TYPE | APR | TERMS |
|---|---|---|
| Mini-Home Equity Line of Credit |
Variable Rate as low as Prime + 3.50% (currently as low as 10.75% as of 10/01/2025) |
Revolving (APR may vary) |
| Mini-Mortgage | As low as 10.90% as of 10/01/2025 | Up to 60 months (APR may vary) |
| Home Equity Line of Credit |
Variable Rate as low as Prime - 0.50% (currently as low as 6.75% as of 10/01/2025) |
Revolving (APR may vary) |
| Fixed Rate Home Equity Loan | As low as 7.40% as of 10/01/2025 | Up to 180 months (APR may vary) |
| Recreational Property | As low as 7.90% as of 10/01/2025 | Up to 144 months (APR may vary) |
Individual Retirement Accounts
| ACCOUNT | DIVIDEND RATE | APY |
|---|---|---|
| Regular IRA Shares | 0.15% | 0.15% |
| Roth IRA Shares | 0.15% | 0.15% |
| Educational/Coverdell IRA Shares | 0.15% | 0.15% |
Dividends compounded quarterly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
Jumbo Money Market Shares*
| BALANCE | DIVIDEND RATE | APY |
|---|---|---|
| Up to $99,999 | 0.25% | 0.25% |
| $100,000 - $200,000 | 1.25% | 1.25% |
| $200,000.01 and over | 1.65% | 1.65% |
Dividends compounded monthly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
*Minimum balance to earn dividends.
Money Market Shares*
| BALANCE | DIVIDEND RATE | APY |
|---|---|---|
| $2,500 - $9,999 | 0.30% | 0.30% |
| $10,000 - $24,999 | 0.55% | 0.55% |
| $25,000 - $49,999 | 0.60% | 0.60% |
| $50,000 - $99,999 | 0.65% | 0.65% |
| $100,000 or more | 0.70% | 0.70% |
Dividends compounded monthly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
*Minimum balance to earn dividends.
Peak Rewards Checking*
| BALANCE | DIVIDEND RATE | APY |
|---|---|---|
| $0 - $15,000 | 4.89%+ | 5.00%+ |
| $15,000+ | 0.15%+ | 0.15%+ |
| All balances if qualifications not met | 0.01% | 0.01% |
Qualifications+
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Peak Rewards account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle+
- Be enrolled to receive eStatements and activate the email address for the account+
- Have at least 1 automatic payment (ACH) post and settle+
- Be enrolled in and log into online banking+
If you don't meet the qualifications+ one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
Savings Accounts
| ACCOUNT | DIVIDEND RATE | APY |
|---|---|---|
| Savings* | 0.10% | 0.10% |
| Special Purpose Savings* | 0.10% | 0.10% |
Dividends compounded quarterly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
*Minimum balance to earn dividends.
Share Certificates
| TERM | BALANCE | DIVIDEND RATE | APY |
|---|---|---|---|
| 90-Day | Under $100,000 | 1.89% | 1.90% |
| 90-Day | $100,000 and over | 1.89% | 1.90% |
| 180-Day | Under $100,000 | 3.46% | 3.50% |
| 180-Day | $100,000 and over | 3.46% | 3.50% |
| 12-Month | Under $100,000 | 3.94% | 4.00% |
| 12-Month | $100,000 and over | 4.04% | 4.10% |
| 18-Month | Under $100,000 | 3.94% | 4.00% |
| 18-Month | $100,000 and over | 4.04% | 4.10% |
| 24-Month | Under $100,000 | 2.96% | 3.00% |
| 24-Month | $100,000 and over | 3.06% | 3.10% |
| 36-Month | Under $100,000 | 3.06% | 3.10% |
| 36-Month | $100,000 and over | 3.16% | 3.20% |
| 12-Month IRA | Under $100,000 | 4.23% | 4.30% |
| 12-Month IRA | $100,000 and over | 4.23% | 4.30% |
| 24-Month IRA | Under $100,000 | 2.97% | 3.00% |
| 24-Month IRA | $100,000 and over | 2.97% | 3.00% |
Penalty for early withdrawal for certificates with terms of 90 days or less is 30 days dividends, certificates with terms of less than 1 year and more than 90 days is 90 days dividends, certificates with terms between 11-24 months is 180 days dividends, and certificates with terms of greater than 24 months are 365 days dividends. Dividends on all share and share certificates accounts are compounded quarterly. Click here to view our most current Truth-in-Savings Disclosure. Contact the credit union for full disclosure requirements.