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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
NORTHERN SKIES Rates & Review October 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 14, 2026
NORTHERN SKIES's top rates as of October 14, 2026 are 4.60% APY on its 24-Month IRA CD, 0.10% APY on savings, 1.65% APY on money market accounts, 5.00% APY on checking, and personal loans from 11.35% APR, according to rates verified by MonitorBankRates. Other NORTHERN SKIES CD rates include 12-Month IRA CD at 4.20%, 18-Month CD at 4.10%, and 24-Month CD at 4.10%. MonitorBankRates evaluates the financial stability of NORTHERN SKIES with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.09%. Rates last updated and verified on 10/14/2026. 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. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 RV, Boat and Powersport Loan Rates
NORTHERN SKIES Personal Loan Rates
NORTHERN SKIES Other Rates
Financial Health HistoryNORTHERN SKIES’s Texas Ratio fell from 7.82% in Q3 2023 to 6.09% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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 & Overview
Credit Union Name
NORTHERN SKIES
Website
http://www.nsfcu.org
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
63
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.09%
Return on Assets (ROA)
0.5706%
Return on Equity (ROE)
4.3007%
Non-Performing Loans Ratio (NPL)
1.07%
Total Assets
231,729,581
Total Amount of Shares and Deposits
197,735,367
Total Shares and Deposits < 1 Year
182,979,584
Total Shares and Deposits 1 3 Years
14,755,782
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,262,352
Total Uninsured Shares and Deposits > $250K (F+J)
34,262,352
Total Insured Shares and Deposits > $250K (item 17 less item K)
163,473,015
Total Interest Expense (Sum of items 6 8)
2,209,367
Share Certificates
1,210
Number of Accounts for Share Drafts
7,282
IRA KEOGH Accounts
381
Number of Accounts for Regular Shares
15,486
Money Market Shares
406
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
20,630,260
Total Liabilities
201,002,506
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for NORTHERN SKIES yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for NORTHERN SKIES
Frequently Asked Questions About NORTHERN SKIESHow 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
Retrieved from our database of financial products. Rates subject to change.
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