Personal
When life throws you a curve, SkyPoint’s suite of Personal Loans can help.
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Packed with great features
Know you’re getting the best deal with our competitive rates that will stay fixed for the term of your loan.
The loan process is fast. Get a pre-approval in minutes.
Get a rate discount by enrolling in auto payments.
Personal loan rates
| Loan Type | APR* (As low as) | Term | Other Conditions |
|---|---|---|---|
| Share Secured | 4.00% | Up to 144 Months | Must have funds available in Savings Account |
| Personal Loan | 7.49% | Up to 36 Months | Loan amounts of $500 – $30,000 |
| Personal Loan | 8.99% | 37 – 72 Months | Loan amounts of $5,000 – $30,000 |
| Personal Line of Credit | 10.64% | N/A | Loan amounts of $500 – $30,000 |
| Pathway Loan | 9.90% | Up to 12 Months | Loan amounts of $500 – $1,000 |
| Pathway Loan | 9.90% | 13 – 36 Months | Loan amounts of $1,000 – $4,000 |
| Holiday Loan1 | 6.99% | Up to 36 Months | Loan amounts of $500 – $5,000 |
A suite of Personal loans that fit your needs
Explore our Personal loan options
Have a surprise expense, want to consolidate debt, or need to make a large purchase? A personal loan from SkyPoint can fit your needs for virtually anything.
- Fixed rate, term, and payment
- Loan amounts up to $30,000
Find the greatest flexible with a line of credit from SkyPoint. Tap into this line whenever you need it!
- Revolving credit line that can be used over and over
- Credit limits up to $30,000
Enjoy a great rate with a Share Secured Loan. Your loan is secured by funds in your savings account.
- Fixed rate, term, and payment
- No credit check required, secured by funds in your savings account
To help our members manage the expenses related to the immigration process, SkyPoint has developed the Pathway Loan.
- Loan amounts up to $4,000; $1,255 per immigration application
- Payback terms up to 36 months
- Fixed rate of 9.90% APR*
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* APR = Annual Percentage Rate. The APR offered for the above loans may be higher than the rate stated based on certain credit worthiness criteria. The above loan rates include a 0.25% discount for automatic transfer payments. If the automatic transfer payment stops, for any reason, the APR may increase to the undiscounted rate. Rates are dependent on individual qualification and are subject to change at any time without notice. Payment example: $20,000 at 10.9% APR; 72 monthly payments of approximately $379.66. Contact the credit union for full details.
1 APR=Annual Percentage Rate. Rates as low as 6.99% APR, including .25% discount for auto pay, and are based on the borrower’s credit score and history. Loan amounts up to $5,000. Payment example of $5,000 at 6.99% APR for 36 months is $154.36 per month. Terms and conditions apply. Rate is valid from 12/1/2025 through 2/1/2026. Member can elect to defer their first payment up to 60 days after loan closing. Interest will accrue during the deferral period. Promotion can be cancelled at anytime without notice. Please see a SkyPoint representative for complete details.
