Sky Federal Credit Union

Headquarters: Livingston, Montana
Charter: Credit Union
Assets: $197.3M
Fed district: Minneapolis

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Sky Secure Checking $7 · Fresh Start Checking $10
Compared at $10, the middle of its prices
Sky Federal Credit Union: $7 to $10
Sky Federal Credit Union: $7 to $10
U.S. median: no median
Non-Network ATM
Sky Federal Credit Union: $2
Sky Federal Credit Union: $2
U.S. median: no median
Stop Payment
Compared at $15, the middle of its prices
Sky Federal Credit Union: $15 to $35
Sky Federal Credit Union: $15 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Sky Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking Maintenance Fee$10
Fresh Start Checking monthly maintenance fee$10
per month
Sky Secure Checking Monthly Maintenance fee$7
per month
High Yield Checking Below Minimum Balance Canadian Item Return$35
Closed Account (open < 90 days)$25
Inactivity Fee (inactive for 3 years)$10
Statement Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (consumer and business)$3
Bad Address (monthly)$8
per month

Overdraft & NSF

Negative Balance Fee$5
per day
Overdraft Transfer$5

ATM & Card

Transaction on Non CO-OP Network ATM$2
Card Replacement$10
Card or PIN Rush Order (3-5 Days)$60
Foreign Transaction Fee2%of the transaction

Wire Transfers

Incoming Wire$10

Check Services

Cashier Check$3
Money Order$2
Cashier/Teller/Corporate Check Stop Payment$15
Money Order Stop Payment$15
Stop Payment$35
Temporary Checks$4
Canadian Collection Item (for each item processed)$25
per item
Foreign Collection Item (for each item processed)$25
per item
Check Images Returned with Statement (monthly)$10
per item
Copy of Cancelled Check$5

Digital & Electronic

Online bill payNo charge

Cash & Deposit

Returned Item Deposit / Loan Payment$35
per item
Night DepositoryNo charge

Account Services

Garnishment/Execution/Levy$75

Lending Fees

VISA Credit Card Late Payment$25

Gift & Prepaid Cards

VISA Pre-paid Gift Card$7.95

Other Fees

CHECKING ACCOUNT SERVICE FEES Photocopies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page
Copy of Transaction$15
Statement Printout$5
Page Skip-A-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Maintenance Fee	$10	Not stated	None
Fresh Start Checking monthly maintenance fee	$10	per month	None
Sky Secure Checking Monthly Maintenance fee	$7	per month	None
High Yield Checking Below Minimum Balance Canadian Item Return	$35	Not stated	None
Closed Account (open < 90 days)	$25	Not stated	None
Inactivity Fee (inactive for 3 years)	$10	Not stated	None
Statement Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (consumer and business)	$3	Not stated	None
Bad Address (monthly)	$8	per month	None
Overdraft & NSF
Negative Balance Fee	$5	per day	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
Transaction on Non CO-OP Network ATM	$2	Not stated	None
Card Replacement	$10	Not stated	None
Card or PIN Rush Order (3-5 Days)	$60	Not stated	None
Foreign Transaction Fee	2%of the transaction	Not stated	None
Wire Transfers
Incoming Wire	$10	Not stated	None
Check Services
Cashier Check	$3	Not stated	None
Money Order	$2	Not stated	None
Cashier/Teller/Corporate Check Stop Payment	$15	Not stated	None
Money Order Stop Payment	$15	Not stated	None
Stop Payment	$35	Not stated	None
Temporary Checks	$4	Not stated	None
Canadian Collection Item (for each item processed)	$25	per item	None
Foreign Collection Item (for each item processed)	$25	per item	None
Check Images Returned with Statement (monthly)	$10	per item	None
Copy of Cancelled Check	$5	Not stated	None
Digital & Electronic
Online bill pay	No charge	Not stated	None
Cash & Deposit
Returned Item Deposit / Loan Payment	$35	per item	None
Night Depository	No charge	Not stated	None
Account Services
Garnishment/Execution/Levy	$75	Not stated	None
Lending Fees
VISA Credit Card Late Payment	$25	Not stated	None
Gift & Prepaid Cards
VISA Pre-paid Gift Card	$7.95	Not stated	None
Other Fees
CHECKING ACCOUNT SERVICE FEES Photocopies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Copy of Transaction	$15	Not stated	None
Statement Printout	$5	Not stated	None
Page Skip-A-Payment	$35	Not stated	None

Account Maintenance

Fresh Start Checking Maintenance Fee$10
Sky Secure Checking Monthly Maintenance fee$7
per month
High Yield Checking Below Minimum Balance Canadian Item Return$35
Closed Account (open < 90 days)$25
Inactivity Fee (inactive for 3 years)$10
Statement Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (consumer and business)$3
Bad Address (monthly)$8
per month

Overdraft & NSF

Negative Balance Fee$5
per day
Overdraft Transfer$5

ATM & Card

Transaction on Non CO-OP Network ATM$2
Card Replacement$10
Card or PIN Rush Order (3-5 Days)$60
Foreign Transaction Fee2%of the transaction

Wire Transfers

Incoming Wire$10

Check Services

Cashier Check$3
Money Order$2
Cashier/Teller/Corporate Check Stop Payment$15
Money Order Stop Payment$15
Stop Payment$35
Temporary Checks$4
Canadian Collection Item (for each item processed)$25
per item
Foreign Collection Item (for each item processed)$25
per item
Business Check Images Returned with Statement (monthly)$10
Not compared: Monthly charge, not per item
per month
Check Images Returned with Statement (monthly)$10
per item
Copy of Cancelled Check$5

Digital & Electronic

Online bill payNo charge

Cash & Deposit

Returned Item Deposit / Loan Payment$35
per item
Night DepositoryNo charge

Account Services

Garnishment/Execution/Levy$75

Lending Fees

VISA Credit Card Late Payment$25

Gift & Prepaid Cards

VISA Pre-paid Gift Card$7.95

Other Fees

CHECKING ACCOUNT SERVICE FEES Photocopies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page
Copy of Transaction$15
Statement Printout$5
Page Skip-A-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Maintenance Fee	$10	Not stated	None
Sky Secure Checking Monthly Maintenance fee	$7	per month	None
High Yield Checking Below Minimum Balance Canadian Item Return	$35	Not stated	None
Closed Account (open < 90 days)	$25	Not stated	None
Inactivity Fee (inactive for 3 years)	$10	Not stated	None
Statement Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (consumer and business)	$3	Not stated	None
Bad Address (monthly)	$8	per month	None
Overdraft & NSF
Negative Balance Fee	$5	per day	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
Transaction on Non CO-OP Network ATM	$2	Not stated	None
Card Replacement	$10	Not stated	None
Card or PIN Rush Order (3-5 Days)	$60	Not stated	None
Foreign Transaction Fee	2%of the transaction	Not stated	None
Wire Transfers
Incoming Wire	$10	Not stated	None
Check Services
Cashier Check	$3	Not stated	None
Money Order	$2	Not stated	None
Cashier/Teller/Corporate Check Stop Payment	$15	Not stated	None
Money Order Stop Payment	$15	Not stated	None
Stop Payment	$35	Not stated	None
Temporary Checks	$4	Not stated	None
Canadian Collection Item (for each item processed)	$25	per item	None
Foreign Collection Item (for each item processed)	$25	per item	None
Business Check Images Returned with Statement (monthly)	$10Not compared: Monthly charge, not per item	per month	None
Check Images Returned with Statement (monthly)	$10	per item	None
Copy of Cancelled Check	$5	Not stated	None
Digital & Electronic
Online bill pay	No charge	Not stated	None
Cash & Deposit
Returned Item Deposit / Loan Payment	$35	per item	None
Night Depository	No charge	Not stated	None
Account Services
Garnishment/Execution/Levy	$75	Not stated	None
Lending Fees
VISA Credit Card Late Payment	$25	Not stated	None
Gift & Prepaid Cards
VISA Pre-paid Gift Card	$7.95	Not stated	None
Other Fees
CHECKING ACCOUNT SERVICE FEES Photocopies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Copy of Transaction	$15	Not stated	None
Statement Printout	$5	Not stated	None
Page Skip-A-Payment	$35	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Sky Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Sky Secure Checking $7 · Fresh Start Checking $10
Compared at $10, the middle of its prices
Sky Federal Credit Union: $7 to $10
Sky Federal Credit Union: $7 to $10
U.S. median: no median
Non-Network ATM
Sky Federal Credit Union: $2
Sky Federal Credit Union: $2
U.S. median: no median
Stop Payment
Compared at $15, the middle of its prices
Sky Federal Credit Union: $15 to $35
Sky Federal Credit Union: $15 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Sky Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking Maintenance Fee$10
Fresh Start Checking monthly maintenance fee$10
per month
Sky Secure Checking Monthly Maintenance fee$7
per month
High Yield Checking Below Minimum Balance Canadian Item Return$35
Closed Account (open < 90 days)$25
Inactivity Fee (inactive for 3 years)$10
Statement Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (consumer and business)$3
Bad Address (monthly)$8
per month

Overdraft & NSF

Negative Balance Fee$5
per day
Overdraft Transfer$5

ATM & Card

Transaction on Non CO-OP Network ATM$2
Card Replacement$10
Card or PIN Rush Order (3-5 Days)$60
Foreign Transaction Fee2%of the transaction

Wire Transfers

Incoming Wire$10

Check Services

Cashier Check$3
Money Order$2
Cashier/Teller/Corporate Check Stop Payment$15
Money Order Stop Payment$15
Stop Payment$35
Temporary Checks$4
Canadian Collection Item (for each item processed)$25
per item
Foreign Collection Item (for each item processed)$25
per item
Check Images Returned with Statement (monthly)$10
per item
Copy of Cancelled Check$5

Digital & Electronic

Online bill payNo charge

Cash & Deposit

Returned Item Deposit / Loan Payment$35
per item
Night DepositoryNo charge

Account Services

Garnishment/Execution/Levy$75

Lending Fees

VISA Credit Card Late Payment$25

Gift & Prepaid Cards

VISA Pre-paid Gift Card$7.95

Other Fees

CHECKING ACCOUNT SERVICE FEES Photocopies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page
Copy of Transaction$15
Statement Printout$5
Page Skip-A-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Maintenance Fee	$10	Not stated	None
Fresh Start Checking monthly maintenance fee	$10	per month	None
Sky Secure Checking Monthly Maintenance fee	$7	per month	None
High Yield Checking Below Minimum Balance Canadian Item Return	$35	Not stated	None
Closed Account (open < 90 days)	$25	Not stated	None
Inactivity Fee (inactive for 3 years)	$10	Not stated	None
Statement Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (consumer and business)	$3	Not stated	None
Bad Address (monthly)	$8	per month	None
Overdraft & NSF
Negative Balance Fee	$5	per day	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
Transaction on Non CO-OP Network ATM	$2	Not stated	None
Card Replacement	$10	Not stated	None
Card or PIN Rush Order (3-5 Days)	$60	Not stated	None
Foreign Transaction Fee	2%of the transaction	Not stated	None
Wire Transfers
Incoming Wire	$10	Not stated	None
Check Services
Cashier Check	$3	Not stated	None
Money Order	$2	Not stated	None
Cashier/Teller/Corporate Check Stop Payment	$15	Not stated	None
Money Order Stop Payment	$15	Not stated	None
Stop Payment	$35	Not stated	None
Temporary Checks	$4	Not stated	None
Canadian Collection Item (for each item processed)	$25	per item	None
Foreign Collection Item (for each item processed)	$25	per item	None
Check Images Returned with Statement (monthly)	$10	per item	None
Copy of Cancelled Check	$5	Not stated	None
Digital & Electronic
Online bill pay	No charge	Not stated	None
Cash & Deposit
Returned Item Deposit / Loan Payment	$35	per item	None
Night Depository	No charge	Not stated	None
Account Services
Garnishment/Execution/Levy	$75	Not stated	None
Lending Fees
VISA Credit Card Late Payment	$25	Not stated	None
Gift & Prepaid Cards
VISA Pre-paid Gift Card	$7.95	Not stated	None
Other Fees
CHECKING ACCOUNT SERVICE FEES Photocopies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Copy of Transaction	$15	Not stated	None
Statement Printout	$5	Not stated	None
Page Skip-A-Payment	$35	Not stated	None

Account Maintenance

Fresh Start Checking Maintenance Fee$10
Sky Secure Checking Monthly Maintenance fee$7
per month
High Yield Checking Below Minimum Balance Canadian Item Return$35
Closed Account (open < 90 days)$25
Inactivity Fee (inactive for 3 years)$10
Statement Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (consumer and business)$3
Bad Address (monthly)$8
per month

Overdraft & NSF

Negative Balance Fee$5
per day
Overdraft Transfer$5

ATM & Card

Transaction on Non CO-OP Network ATM$2
Card Replacement$10
Card or PIN Rush Order (3-5 Days)$60
Foreign Transaction Fee2%of the transaction

Wire Transfers

Incoming Wire$10

Check Services

Cashier Check$3
Money Order$2
Cashier/Teller/Corporate Check Stop Payment$15
Money Order Stop Payment$15
Stop Payment$35
Temporary Checks$4
Canadian Collection Item (for each item processed)$25
per item
Foreign Collection Item (for each item processed)$25
per item
Business Check Images Returned with Statement (monthly)$10
Not compared: Monthly charge, not per item
per month
Check Images Returned with Statement (monthly)$10
per item
Copy of Cancelled Check$5

Digital & Electronic

Online bill payNo charge

Cash & Deposit

Returned Item Deposit / Loan Payment$35
per item
Night DepositoryNo charge

Account Services

Garnishment/Execution/Levy$75

Lending Fees

VISA Credit Card Late Payment$25

Gift & Prepaid Cards

VISA Pre-paid Gift Card$7.95

Other Fees

CHECKING ACCOUNT SERVICE FEES Photocopies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page
Copy of Transaction$15
Statement Printout$5
Page Skip-A-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Maintenance Fee	$10	Not stated	None
Sky Secure Checking Monthly Maintenance fee	$7	per month	None
High Yield Checking Below Minimum Balance Canadian Item Return	$35	Not stated	None
Closed Account (open < 90 days)	$25	Not stated	None
Inactivity Fee (inactive for 3 years)	$10	Not stated	None
Statement Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (consumer and business)	$3	Not stated	None
Bad Address (monthly)	$8	per month	None
Overdraft & NSF
Negative Balance Fee	$5	per day	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
Transaction on Non CO-OP Network ATM	$2	Not stated	None
Card Replacement	$10	Not stated	None
Card or PIN Rush Order (3-5 Days)	$60	Not stated	None
Foreign Transaction Fee	2%of the transaction	Not stated	None
Wire Transfers
Incoming Wire	$10	Not stated	None
Check Services
Cashier Check	$3	Not stated	None
Money Order	$2	Not stated	None
Cashier/Teller/Corporate Check Stop Payment	$15	Not stated	None
Money Order Stop Payment	$15	Not stated	None
Stop Payment	$35	Not stated	None
Temporary Checks	$4	Not stated	None
Canadian Collection Item (for each item processed)	$25	per item	None
Foreign Collection Item (for each item processed)	$25	per item	None
Business Check Images Returned with Statement (monthly)	$10Not compared: Monthly charge, not per item	per month	None
Check Images Returned with Statement (monthly)	$10	per item	None
Copy of Cancelled Check	$5	Not stated	None
Digital & Electronic
Online bill pay	No charge	Not stated	None
Cash & Deposit
Returned Item Deposit / Loan Payment	$35	per item	None
Night Depository	No charge	Not stated	None
Account Services
Garnishment/Execution/Levy	$75	Not stated	None
Lending Fees
VISA Credit Card Late Payment	$25	Not stated	None
Gift & Prepaid Cards
VISA Pre-paid Gift Card	$7.95	Not stated	None
Other Fees
CHECKING ACCOUNT SERVICE FEES Photocopies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Copy of Transaction	$15	Not stated	None
Statement Printout	$5	Not stated	None
Page Skip-A-Payment	$35	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.