*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 auto 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. Contact the credit union for full details.

** A new vehicle is eligible for a refinance with the above rates if you are the original owner, the vehicle was purchased within the last 6 months and is current (2025) or previous (2023) model year.

*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 auto 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. Contact the credit union for full details.

*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 auto 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. Contact the credit union for full details.

** A new RV/Boat is eligible for a refinance with the above rates if you are the original owner, the vehicle was purchased within the last 6 months and is current (2025) or previous (2023) model year.

*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 auto 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. Contact the credit union for full details.

* 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. Contact the credit union for full details.

* APR = Annual Percentage Rate.

** The Flex Loan has a $20 non-refundable loan application fee.

* APR = Annual Percentage Rate. The APR offered for the above loans may be higher than the rate stated based on certain credit worthiness criteria. Rates are dependent on individual qualification and are subject to change at any time without notice. Contact the credit union for full details.

** APR = Annual Percentage Rate. The APR offered for the above loans may be higher than the rate stated based on certain creditworthiness criteria. The APR for all Home Equity Lines of Credit is based on the Prime Rate, as published in the Wall Street Journal, plus a margin based on borrower’s credit rating and the Loan-to-Value. The Prime Rate effective August 1, 2023, is 8.50%. The current floor rate is 3.49% APR. The maximum APR is 18%. SkyPoint Federal Credit Union pays all closing costs on Home Equity Lines of Credit loans, excluding taxes, in exchange for a $10,000 minimum draw at the time of disbursement and a three (3) year minimum period that the loan is open. Total closing costs vary.  Rates are dependent on individual qualification and are subject to change at any time without notice. Proof of Homeowner’s Insurance required. Proof of Flood Insurance may be required. You may pay certain fees to third parties to open the plan. These fees generally total between $250.00 and $1,000.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. Contact the credit union for full details.

View our current mortgage loan rates here.

¹ Members with only a Regular Savings are subject to a minimum balance requirement. Failure to meet this requirement may result in a fee. Please refer to the Service Charge Schedule for more information. Limit of one Regular Savings per membership.

* Rate = Dividend Rate.

** APY=Annual percentage yield. Rates are subject to change without notice at any time. The stated APY is accurate as of 06/13/25. Fees may reduce earnings.

* Rate = Dividend Rate.

** APY=Annual percentage yields. Rates are subject to change without notice at any time. The stated APY is accurate as of 06/13/25. Fees may reduce earnings.

* Rate = Dividend Rate

** APY = Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 06/13/25. Fees may reduce earnings.

¹ Minimum deposit of $35,000 to earn the stated rate. Balances below $35,000 will earn the published savings rate.

* Rate = Dividend Rate

** APY = Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 06/13/25. Fees may reduce earnings.

¹ Minimum deposit is $1,000. Substantial penalty may apply for early withdrawal. Dividends are paid monthly. Contact the credit union for complete details.

² APY=Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 5/1/2024. Minimum deposit is $1,000. New money only. This certificate will renew at a 12-month term unless otherwise asked for by the party holding the certificate. IRA certificates are not eligible. Early withdrawal penalties apply. Dividends are paid monthly. Contact the credit union for complete details.

* Rate = Dividend Rate.

** APY=Annual percentage yields. Rates are subject to change without notice at any time. The stated APY is accurate as of 06/13/25. Fees may reduce earnings.

*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 auto 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. Contact the credit union for full details.

** A new vehicle is eligible for a refinance with the above rates if you are the original owner, the vehicle was purchased within the last 6 months and is current (2025) or previous (2023) model year.

*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 auto 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. Contact the credit union for full details.

* 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. Contact the credit union for full details.

* APR = Annual Percentage Rate. The APR offered for the above loans may be higher than the rate stated based on certain credit worthiness criteria. Rates are dependent on individual qualification and are subject to change at any time without notice. Contact the credit union for full details.