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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, ensuring that you experience banking that not only meets but exceeds your expectations. 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 6-3-2024. 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.


Have you heard about our Fee Holiday Program?

We are excited to offer our newest member benefit, "Fee Holiday", designed to put the power of choice in your hands! This program is designed to relieve the burden of NSF (Non-Sufficient Funds), Courtesy Pay, and Overdraft fees by providing 3 fee reversals every 12 months.To reverse a NSF, Courtesy Pay, or Overdraft fee simply call the credit union at (907) 561-1407 and one of our dedicated member service reps can help you reverse your fee!


 

Peak Rewards Checking* 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 non-pin 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.

+Click here for full qualifications and disclosures

Savings Accounts 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.

Money Market Shares* 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.

Jumbo Money Market Shares* 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.

Individual Retirement Accounts 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.

Share Certificates 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 5.01% 5.10%
180-Day $100,000 and over 5.01% 5.10%
12-Month Under $100,000 4.91% 5.00%
12-Month $100,000 and over 5.01% 5.10%
18-Month Under $100,000 4.67% 4.75%
18-Month $100,000 and over 4.77% 4.85%
24-Month Under $100,000 3.16% 3.20%
24-Month $100,000 and over 3.26% 3.30%
36-Month Under $100,000 3.50%  3.55%
36-Month  $100,000 and over 3.60%  3.65%
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.

Auto Loans Learn More

TYPE APR TERMS
New As low as 6.49% Up to 84 months (APR may vary)
Used As low as 6.49% Up to 84 months (APR may vary)
Classics & Collectibles As low as 8.50% Up to 72 months (APR may vary)

Recreational Vehicle Loans Learn More

TYPE APR TERMS
Aircraft As low as 7.35% Up to 144 months (APR may vary)
Boats As low as 7.29% 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 7.49% Up to 240 months (APR may vary)

Other Consumer Loans

TYPE APR TERMS
Signature As low as 11.75% Up to 60 months (APR may vary)
Platinum VISA Credit Card As low as 8.95% Revolving / No Annual Fee!

Ascend Secured VISA Credit Card

As low as 12.95%

Revolving / $15 Annual Fee

SMART Loan

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)

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 12.00% as of 10/2/2023)

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 8.00% as of 10/2/2023)

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)

Fee Schedule

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 (Click here for list of surcharge-free ATMs for members)
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
Recurring ACH $10.00 each (one-time setup fee)
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