At Northern Skies, we are dedicated to empowering our members with financial solutions that prioritize their well-being. Our commitment is reflected in our promise to offer low or no-fee financial products and services. Explore our rates and fees with confidence, knowing that we're here to support your financial journey with transparency and member-centric practices.
The Rates & Fees below are effective as of {{ dynamic-date }}.
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.
ATVs, RVs, and More Learn More
| TYPE | APR | TERMS |
|---|---|---|
| Aircraft | As low as 7.35% | Up to 144 months (APR may vary) |
| Boats | As low as 6.99% | 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 Back to Top Learn More
| TYPE | APR | TERMS |
|---|---|---|
| New | As low as 5.49% | Up to 84 months (APR may vary) |
| Used | As low as 5.49% | Up to 84 months (APR may vary) |
| Classics & Collectibles | As low as 8.50% | Up to 72 months (APR may vary) |
Consumer Loans - Other Back to Top Learn More
| TYPE | APR | TERMS |
|---|---|---|
| Signature | As low as 11.65% | 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 Back to Top
| 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 |
| 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 Back to Top Learn More
| TYPE | APR | TERMS |
|---|---|---|
| Mini-Home Equity Line of Credit |
Variable Rate as low as Prime + 3.50% (currently as low as 11.00% as of 01/01/2025) |
Revolving (APR may vary) |
| Mini-Mortgage | As low as 11.40% | Up to 60 months (APR may vary) |
| Home Equity Line of Credit |
Variable Rate as low as Prime - 0.50% (currently as low as 7.00% as of 01/01/2024) |
Revolving (APR may vary) |
| Fixed Rate Home Equity Loan | As low as 8.40% | Up to 180 months (APR may vary) |
| Recreational Property | As low as 8.90% | Up to 144 months (APR may vary) |
Individual Retirement Accounts Back to Top Learn More
| 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* Back to Top Learn More
| 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* Back to Top Learn More
| 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* Back to Top Learn More
| 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 Back to Top Learn More
| 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 Back to Top Learn More
| 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 | 3.60% | 3.65% |
| 180-Day | $100,000 and over | 3.60% | 3.65% |
| 12-Month | Under $100,000 | 4.09% | 4.15% |
| 12-Month | $100,000 and over | 4.19% | 4.25% |
| 18-Month | Under $100,000 | 4.04% | 4.10% |
| 18-Month | $100,000 and over | 4.14% | 4.20% |
| 24-Month | Under $100,000 | 3.06% | 3.10% |
| 24-Month | $100,000 and over | 3.16% | 3.20% |
| 36-Month | Under $100,000 | 3.16% | 3.20% |
| 36-Month | $100,000 and over | 3.26% | 3.30% |
| 12-Month IRA | Under $100,000 | 5.01% | 5.10% |
| 12-Month IRA | $100,000 and over | 5.01% | 5.10% |
| 24-Month IRA | Under $100,000 | 4.43% | 4.50% |
| 24-Month IRA | $100,000 and over | 4.43% | 4.50% |
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.