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NORTHERN SKIES Rates & Review June 2026

NORTHERN SKIES's 12-Month IRA rates are at 4.30%, CD 12-Month IRA rates are at 4.30%, 24-Month rates are at 4.10%, CD 24-Month rates are at 4.10%, 12-Month rates are at 4.05%. NORTHERN SKIES's savings rates are at 0.10%. NORTHERN SKIES's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of NORTHERN SKIES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.06%. Rates were last updated on 06/11/2026.

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 NORTHERN SKIES by leaving a review below, or read customer reviews before you decide to use NORTHERN SKIES.

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.06%
Excellent Lower than avg
NORTHERN SKIES
Main Branch
1001 E Benson Blvd
Anchorage, AK 99508
http://www.nsfcu.org
Member NCUA

NORTHERN SKIES CD Rates

Product Rate APY Term View More
12-Month IRA 4.23% 4.30%
Min Balance $0
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 12-Month IRA 4.23% 4.30% 12-Month IRA
Min Balance $0
Details Balance: Under $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
24-Month 4.04% 4.10%
Min Balance $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 24-Month 4.04% 4.10% 24-Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
12-Month 3.99% 4.05%
Min Balance $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
18-Month 3.99% 4.05%
Min Balance $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 12-Month 3.99% 4.05% 12-Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 18-Month 3.99% 4.05% 18-Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
24-Month 3.94% 4.00%
Min Balance $0
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 24-Month 3.94% 4.00% 24-Month
Min Balance $0
Details Balance: Under $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
12-Month 3.89% 3.95%
Min Balance $0
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
18-Month 3.89% 3.95%
Min Balance $0
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 12-Month 3.89% 3.95% 12-Month
Min Balance $0
Details Balance: Under $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 18-Month 3.89% 3.95% 18-Month
Min Balance $0
Details Balance: Under $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
36-Month 3.31% 3.35%
Min Balance $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 36-Month 3.31% 3.35% 36-Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
36-Month 3.21% 3.25%
Min Balance $0
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 180-Day 3.21% 3.25% 180-Day
Min Balance $0
Details Balance: Under $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 36-Month 3.21% 3.25% 36-Month
Min Balance $0
Details Balance: Under $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
24-Month IRA 2.97% 3.00%
Min Balance $0
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 24-Month IRA 2.97% 3.00% 24-Month IRA
Min Balance $0
Details Balance: Under $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Share Certificate 90-Day 1.89% 1.90% 90-Day
Min Balance $0
Details Balance: Under $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%

NORTHERN SKIES Savings Rates

Product Rate APY View More
Savings 0.10% 0.10%
No additional details.
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Savings* 0.10% 0.10%
No additional details.
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Special Purpose Savings 0.10% 0.10%
No additional details.
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Special Purpose Savings* 0.10% 0.10%
No additional details.
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%

NORTHERN SKIES Money Market Rates

Product Rate APY View More
Jumbo Money Market Shares 1.65% 1.65%
Min Balance $200,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Jumbo Money Market Shares 1.25% 1.25%
Min Balance $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Money Market Shares 0.85% 0.85%
Min Balance $100,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Money Market Shares 0.80% 0.80%
Min Balance $50,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Money Market Shares 0.70% 0.70%
Min Balance $25,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Money Market Shares 0.60% 0.60%
Min Balance $10,000
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Money Market Shares 0.35% 0.35%
Min Balance $2,500
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Jumbo Money Market Shares 0.25% 0.25%
Min Balance $0
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%

NORTHERN SKIES Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.25%
Details As Low As; Variable Rate as low as Prime - 0.50% (currently as low as 6.25% as of 1/1/2026); Revolving (APR may vary)
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%

NORTHERN SKIES Credit Card Rates

Product Rate APR View More
Platinum VISA Credit Card - 8.95%
Details As low as; No Annual Fee
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%
Ascend Secured VISA Credit Card - 12.95%
Details As low as; $15 Annual Fee
Last Updated 06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.06%

Methodology & Data Sources

MonitorBankRates 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 & Overview

Credit Union Name NORTHERN SKIES
Address 1001 E Benson Blvd, Anchorage, AK 99508
Phone 907-561-1407
Fax 907-561-4005
President Marva Luhrs
CEO D Kyler Howlett
Full-Time Employees 60
Part-Time Employees 0
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.06%
Return on Assets (ROA)
0.9326%
Return on Equity (ROE)
7.1689%
Non-Performing Loans Ratio (NPL)
0.52%
Total 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
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

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Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About NORTHERN SKIES

How many branches does NORTHERN SKIES operate?

NORTHERN SKIES currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join NORTHERN SKIES?

Yes, to access services at NORTHERN SKIES, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, NORTHERN SKIES does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, NORTHERN SKIES provides members with tools to manage their accounts and build a solid financial history.

Does NORTHERN SKIES offer online and mobile banking?

Most modern institutions like NORTHERN SKIES provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.nsfcu.org.

Current NORTHERN SKIES Rates

  • 12-Month CD3.95%
  • 18-Month CD3.95%
  • 24-Month CD3.00%
  • Savings0.10%
  • MMA0.25%
Retrieved from our database of financial products. Rates subject to change.