NORTHERN SKIES Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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NORTHERN SKIES's 12 month IRA IRA CD 12 month rates are at 4.30%, CD IRA 12 month rates are at 4.30%, 12 month CD rates are at 4.10%, 12 month CD rates are at 4.00%, 18 month CD rates are at 3.90%. NORTHERN SKIES's savings rates are at 0.10%. NORTHERN SKIES's money market rates are at 0.25%. NORTHERN SKIES's Personal Loan Rates are at 5.19%.
NORTHERN SKIES money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at NORTHERN SKIES? Share your experience about by leaving a review below, or read customer reviews before you decide to use . NORTHERN SKIES Texas RatioNORTHERN SKIES's Texas Ratio is at 3.14%, which is considered excellent. The Texas Ratio for NORTHERN SKIES is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that NORTHERN SKIES has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
NORTHERN SKIES has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Overall, NORTHERN SKIES is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
NORTHERN SKIES CD Rates
NORTHERN SKIES Savings Rates
NORTHERN SKIES Money Market Rates
NORTHERN SKIES Checking Rates
NORTHERN SKIES Home Equity & HELOC
NORTHERN SKIES Auto Loan Rates
NORTHERN SKIES Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for NORTHERN SKIES is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather NORTHERN SKIES rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with NORTHERN SKIES's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: NORTHERN SKIES
Website: http://www.nsfcu.org
Full Time Employees: 60Part Time Employees: 0 President: Marva Luhrs CEO: D Kyler Howlett Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
1001 E Benson Blvd
Anchorage, AK 99508 Phone Number: 907-561-1407 Fax Number: 907-561-4005 FinancialsTotal Assets:
220,712,006
Total Amount of Shares and Deposits:
188,749,545
Total Shares and Deposits < 1 Year:
177,515,505
Total Shares and Deposits 1 3 Years:
11,234,040
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
31,437,757
Total Uninsured Shares and Deposits > $250K (F+J):
31,437,757
Total Insured Shares and Deposits > $250K (item 17 less item K):
157,311,788
Total Interest Expense (Sum of items 6 8):
3,224,220
Share Certificates:
1,136
Number of Accounts for Share Drafts:
6,992
IRA KEOGH Accounts:
365
Number of Accounts for Regular Shares:
15,261
Non Member Deposits:
2
Money Market Shares:
392
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
16,960,382
Total Liabilities:
192,166,302
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About NORTHERN SKIESIs a member application needed to join NORTHERN SKIES?Yes, to access services at NORTHERN SKIES, a member application is required. Is there a first-time homebuyer program?Currently, NORTHERN SKIES provides a range of mortgage and home equity products. Is NORTHERN SKIES a safe place to deposit money?Yes, NORTHERN SKIES is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does NORTHERN SKIES offer online and mobile banking?Most modern institutions like NORTHERN SKIES provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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