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iAdvertiser Disclosure
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.
 True Sky Federal Credit Union 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 19, 2026
True Sky Federal Credit Union's 13-23 Month CD rates are at 3.86%, 13-23 Month SCA rates are at 3.86%, 24-35 Month CD rates are at 3.86%, 24-35 Month SCA rates are at 3.86%, 7-12 Month CD rates are at 3.86%. True Sky Federal Credit Union's savings rates are at 0.05%. True Sky Federal Credit Union's money market rates are at 0.75%. True Sky Federal Credit Union's checking rates are as high as 1.25%. True Sky Federal Credit Union's Auto Loan Rates are as low as 4.49%. True Sky Federal Credit Union's Credit Card Rates are at 12.49%. MonitorBankRates evaluates the financial stability of True Sky Federal Credit Union with a 4.4 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 8.51%. Rates last updated and verified on 10/19/2026. True Sky Federal Credit Union 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 True Sky Federal Credit Union? Share your experience about True Sky Federal Credit Union by leaving a review below, or read customer reviews before you decide to use True Sky Federal Credit Union. True Sky Federal Credit Union
Western Office 10201 S Western Ave
https://www.trueskycu.org Oklahoma City, OK 73139-2931  Customer Reviews
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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. True Sky Federal Credit Union CD Rates
True Sky Federal Credit Union Savings Rates
True Sky Federal Credit Union Money Market Rates
True Sky Federal Credit Union Checking Rates
True Sky Federal Credit Union Home Equity & HELOC
True Sky Federal Credit Union Auto Loan Rates
True Sky Federal Credit Union RV, Boat and Powersport Loan Rates
True Sky Federal Credit Union Credit Card Rates
True Sky Federal Credit Union Other Rates
Financial Health HistoryTrue Sky Federal Credit Union’s Texas Ratio fell from 11.69% in Q3 2023 to 8.51% 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 4.4 and its Health Grade from A to B+. 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 True Sky Federal Credit Union 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 True Sky Federal Credit Union 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 True Sky Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
True Sky Federal Credit Union
Website
https://www.trueskycu.org
Address
10201 S Western Ave,
Oklahoma City, OK 73139-2931
Phone
800-448-1990
Fax
405-703-2570
President
Terry Davidson
CEO
Sean Cahill
Full-Time Employees
133
Part-Time Employees
15
Branch Locations
14
ATM Locations
14
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.4 / 5.0 ★
Overall Health & Safety Grade
B+ (89/100)
Texas Ratio
8.51%
Return on Assets (ROA)
0.1131%
Return on Equity (ROE)
1.7798%
Non-Performing Loans Ratio (NPL)
0.96%
Total Assets
778,387,126
Total Amount of Shares and Deposits
715,302,991
Total Shares and Deposits < 1 Year
664,889,071
Total Shares and Deposits 1 3 Years
47,614,789
Total Shares and Deposits > 3 Years
2,799,133
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
56,405,938
Total Uninsured Shares and Deposits > $250K (F+J)
111,509,480
Total Insured Shares and Deposits > $250K (item 17 less item K)
603,793,511
Total Interest Expense (Sum of items 6 8)
5,756,845
Share Certificates
3,824
Number of Accounts for Share Drafts
34,018
IRA KEOGH Accounts
1,243
Number of Accounts for Regular Shares
70,982
Non Member Deposits
17
Money Market Shares
1,722
Net Income (unless the amount is already included in Undivided Earnings)
880,368
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Adequately Capitalized
Net Worth Classification if credit union is a new credit union
Adequately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
77,124,836
Total Liabilities
741,005,528
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for True Sky Federal Credit Union
Frequently Asked Questions About True Sky Federal Credit UnionDoes True Sky Federal Credit Union offer CDs?Yes. True Sky Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from True Sky Federal Credit Union NCUA insured?Yes. True Sky Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at True Sky Federal Credit Union?The highest CD rate MonitorBankRates has verified for True Sky Federal Credit Union is 3.86% APY on its 13-23 Month CD, as of October 19, 2026. What CD terms does True Sky Federal Credit Union offer?The True Sky Federal Credit Union CD terms we track include 12 month, 23 month, 2 year, 35 month and 5 year terms. The institution may offer other terms or specials that are not listed here, so check with True Sky Federal Credit Union for its full lineup. What is the highest savings rate at True Sky Federal Credit Union?The highest savings rate MonitorBankRates has verified for True Sky Federal Credit Union is 0.05% APY on its Regular Savings account, as of October 19, 2026. What is the highest money market rate at True Sky Federal Credit Union?The highest money market rate MonitorBankRates has verified for True Sky Federal Credit Union is 0.75% APY on its Money Market, as of October 19, 2026. What is the highest checking rate at True Sky Federal Credit Union?The highest checking rate MonitorBankRates has verified for True Sky Federal Credit Union is 1.25% APY on its Optimum Checking, as of October 19, 2026. What is the lowest auto loan rate at True Sky Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for True Sky Federal Credit Union is 4.49% APR on its Auto Loans, as of October 19, 2026. What is the lowest credit card APR at True Sky Federal Credit Union?The lowest credit card rate MonitorBankRates has verified for True Sky Federal Credit Union is 12.49% APR on its Platinum Visa Credit Card, as of October 19, 2026. How many branches does True Sky Federal Credit Union operate?True Sky Federal Credit Union 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 True Sky Federal Credit Union?Yes, to access services at True Sky Federal Credit Union, 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, True Sky Federal Credit Union 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, True Sky Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does True Sky Federal Credit Union offer online and mobile banking?Most modern institutions like True Sky Federal Credit Union 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: https://www.trueskycu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do True Sky Federal Credit Union rates compare?True Sky Federal Credit Union's top rates are 3.86% APY on its 13-23 Month CD, 0.05% APY on savings, 0.75% APY on money market, 1.25% APY on checking, auto loans from 4.49% APR and credit cards from 12.49% APR, verified by MonitorBankRates on October 19, 2026. To compare True Sky Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country. Current True Sky Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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