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savings built for every goal

Skyla’s savings solutions put your money to work – for both you and your community. Not only will you watch your personal wealth grow, but you’ll also be an integral part of a financial cooperative that helps others. Skyla is a not-for-profit organization that exists to serve our members, not maximize corporate profits. Let’s make a difference… together.

I'm Just Getting Started Saving

I'm Saving for Something Specific

I Want to Earn More on My Savings

I'm Planning for the Future

Not sure where to start? Explore our Learning & Guidance library for articles on growing your money, understanding insurance coverage, and choosing the right account!

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i'm just starting out

PRIMARY SAVINGS ACCOUNT

Saving can be stressful, so you need a simple, straightforward savings account. Say hello to Skyla’s Primary Savings!

Minimum opening balance of $25
No monthly account maintenance fee with a balance of $5 or more
6 fee-free foreign ATM withdrawals per month¹

Psst... this account is required to open additional products and services at Skyla.

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i'm saving for a specific goal

Whether you’re starting an emergency fund, saving for a car, planning a home project, or working toward your next milestone, Purpose Savings helps turn small steps into visible progress.

Earn 5.00% APY² on balances up to $1,000
Earn 4.00% APY² on balances of $1,000.01 - $10,000
Balances above $10,000.01 will earn .10 APY*

Turn Your Purpose into Possibility

Skyla's Holiday Savings accounts are an easy way to set aside money for those special holiday gifts!

$10 minimum opening deposit
Free withdrawals between November 1 - January 31
Automatic deposits available
Dividends accrue daily and are paid quarterly

Save for a Cheer-Filled Holiday

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i want my savings to earn more

Give your savings a steady path forward. Earn up to 4.00% APY³ with a guaranteed return, flexible 6 – 60 month terms, and just $500 to get started.

See How Far Your Savings Can Go

Built for growth and confidence. Earn up to 1.50% APY⁴ and keep your savings moving with flexible, anytime access and a $1,000 opening deposit.

Stay Ready & Keep Earning

Turn small steps into meaningful progress. With Purpose Savings, you can earn up to 5.00% APY², rewarding your growth along the way — no pressure, just momentum.

See How It Adds Up

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i'm planning for the future

Skyla offers an investment services program through Ameriprise Financial Institutions Group, a channel of Ameriprise Financial Services, LLC.⁵ Through on-site financial planning, extensive investment solutions and convenient digital capabilities, they partner with us to help you reach your financial goals.

Our Financial Advisors can help you with:

Financial planning
Retirement planning
Investments
Funding education expenses
Insurance and annuities
Estate planning strategies
Retirement income strategies
Tax planning strategies

See What’s Possible With A Plan

Saving for retirement should feel empowering, not overwhelming. Skyla’s wide range of IRA options makes it simple to build a plan that fits your goals — whether you’re just getting started or fine-tuning your long-term strategy.

With competitive options and guidance when you need it, we’re here to help you feel confident about what’s ahead.

Traditional IRA - Make pre-tax contributions and let your savings grow tax-deferred until retirement.
Roth IRA - Contribute after-tax dollars now and enjoy tax-free qualified withdrawals later.
Coverdell Education Savings Account (ESA) - Save for education expenses with tax-free earnings and qualified withdrawals.

Grow Toward What’s Next

safe & sound

your savings account deposits are insured up to $500,000

If you’re not super familiar with credit unions, here’s some bonus info on how your money is protected!

Skyla is a federally chartered financial institution that’s regulated by the National Credit Union Administration (NCUA). We’re federally insured by the National Credit Union Share Insurance Fund (NCUSIF). Much like the FDIC for banks, the NCUSIF is backed by the full faith and credit of the U.S. government and insures each depositor up to $250,000.

What really sets us apart is that we take it one step further and insure your savings account up to $500,000 through Excess Share Insurance Corporation (ESI)… at no additional cost to you.

Find Out More

Learning & Guidance

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Understand your savings options and unlock the 7 simple steps to building your emergency savings.

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ok, so here's the fine print:

¹Primary Savings: Other FI surcharges may still apply.

²Purpose Savings: APY = Annual Percentage Yield. Rates are subject to change. Please review our current rate list. Rates as of 04/01/2026. Fees may reduce earnings. Some restrictions apply. To receive rate, members must meet the required monthly activity. Balances between $0.00 - $1,000.00 will earn 4.889%APR/5.00% APY. Balances between $1,000.01 - $10,000.00 will earn 3.928%APR/4.10% - 5.00% APY. Balances above $10,000.01 will earn .10%APR/.50% - 4.10% APY and non-qualifying accounts will earn .10%APR/.10%APY. Please review the Truth-in-Savings for information. Only one Purpose Savings account per primary member.

³CD Accounts: APY = Annual Percentage Yield. A minimum deposit of $500 is required for Regular Share Certificates, $50,000 is required for Jumbo Share Certificates, and $250,000 for Elite Jumbo Share Certificates. Rates, terms, and conditions are subject to change. Please review our current rate list. Rates as of 04/01/2026. Fees may reduce earnings. Early withdrawal penalties apply. Some restrictions apply.

⁴Money Market: APY = Annual Percentage Yield. Rates are subject to change. Please review our current rate list. Rates as of 04/01/2026. Dividends accrue daily and are paid monthly on all balances over $1,000. Minimum opening deposit is $1,000. Transaction fees may reduce earnings. Some restrictions apply.

⁵Skyla Investment & Retirement Solutions: We have a partnership with Ameriprise Financial Services to provide financial planning services and solutions to our clients. We are not an investment client of Ameriprise, but we have a revenue sharing relationship with them that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Ameriprise Financial cannot guarantee future financial results.

Ameriprise Financial Planning Services are optional, offered separately, and priced according to the complexity of your case and your financial advisor’s practice fee schedule. Your fees and financial advisor may be subject to change.

Financial planning is generally appropriate if you have financial goals, sufficient assets and income to address your financial goals, and are willing to pay an investment advisory fee for recommendations to help you achieve those goals. Please review the Ameriprise Financial Planning Client Disclosure Brochure or, for a consolidated advisory relationship, the Ameriprise Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses.

Skyla Credit Union is not affiliated with Ameriprise Financial, Inc.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.

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