Peak Rewards Checking CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Peak Rewards Checking account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total interest paid $0

Auto Loans

TYPE APR TERMS
New As low as 5.59% Up to 84 months (APR may vary)
Used As low as 5.59% Up to 84 months (APR may vary)
Classics & Collectibles As low as 8.50% Up to 72 months (APR may vary)

Fees

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
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
ACH Loan Payment FREE
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

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 11.50% as of 09/30/2024)

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 7.50% as of 09/30/2024)

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)

Individual Retirement Accounts

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.

Jumbo Money Market Shares*

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.

Money Market Shares*

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.

Other Consumer Loans

TYPE APR TERMS
Signature As low as 11.65% 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)

Peak Rewards Checking*

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 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

Recreational Vehicle Loans

TYPE APR TERMS
Aircraft As low as 7.35% Up to 144 months (APR may vary)
Boats As low as 6.99% 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 7.29% Up to 240 months (APR may vary)

Savings Accounts

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.

Share Certificates

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 3.75% 3.80%
180-Day $100,000 and over 3.75% 3.80%
12-Month Under $100,000 4.14% 4.20%
12-Month $100,000 and over 4.24% 4.30%
18-Month Under $100,000 3.84% 3.90%
18-Month $100,000 and over 3.94% 4.00%
24-Month Under $100,000 3.06% 3.10%
24-Month $100,000 and over 3.16% 3.20%
36-Month Under $100,000 3.16%  3.20%
36-Month  $100,000 and over 3.26%  3.30%
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.

Unbeatably Low Rates

Enjoy some of the lowest rates available, helping you save on interest and pay off balances faster.

No Balance Transfer Fees & Easy Transfers in the App

Move balances from higher-interest cards without paying a transfer fee—plus, handle everything right from Online & Mobile Banking.

Built-In Security & Card Management

Stay in control with real-time alerts, spending limits, card lock/unlock options, and fraud protection in Online & Mobile Banking.

Choose the Right Credit Card for You

We offer two great credit card options designed to fit your financial needs—whether you're looking for the lowest rate possible or a way to build or rebuild your credit responsibly.

Platinum Card – Our Lowest Rate

The Platinum Card is ideal for members who want a simple, low-cost credit card with an ultra-low interest rate. It’s perfect for everyday spending, balance transfers, or keeping interest costs as low as possible.

  • Unbeatably low rates to help you save on interest
  • No balance transfer fees—move high-interest balances with ease
  • No annual fee—because keeping costs down matters
  • Traditional unsecured credit card—approval is based on creditworthiness
  • Full access to card management tools—turn your card on/off, set spending limits, get real-time alerts, and more

If you want a no-nonsense credit card with low costs and great flexibility, the Platinum Card is for you.

Ascend Secured Card – Build or Rebuild Your Credit

The Ascend Card is a secured credit card designed for members who want to establish or rebuild their credit. Instead of relying on credit history for approval, this card is backed by a refundable security deposit—helping you build credit safely and responsibly.

  • Secured by a refundable deposit—you set your credit limit
  • No balance transfer fees—just like the Platinum Card
  • No annual fee—because rebuilding credit shouldn’t cost extra
  • Designed to help improve credit scores—responsible use can boost your credit over time
  • Full access to card management tools—just like the Platinum Card

If you’re looking for a safe way to build or improve your credit, the Ascend Secured Card is your best choice.

Your credit card should work for you, not against you. At Northern Skies, our low-rate credit cards give you the spending power you need without unnecessary fees or high interest rates.

With unbeatable low rates, no balance transfer fees, and full card management in our mobile app, you get a credit card that keeps things simple, secure, and affordable.