Home Equity
Create limitless possibilities with a Home Equity from SkyPoint Federal Credit Union.
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A full house of features
Tap into your home’s equity without having to worry about hidden fees.
Ensure you get the funds you need to achieve your goals with loan amounts up to $250,000.
Choose from a selection of fixed or variable rates.
Limitless possibilities
Explore our Home Equity options
From dream vacations to updating your kitchen, let your home help pay for it! A Home Equity from SkyPoint is perfect for whatever you have in store.
- Finance up to 100% of your home’s value minus your first mortgage balance
- Loan amounts up to $250,000
- Fixed repayment term up to 15 years
With a Home Equity Line of Credit from SkyPoint, you can turn your home’s equity into extra cash you need. Simply tap into this line whenever you need it!
- Finance up to 100% of your home’s value minus your first mortgage balance
- Loan amounts up to $250,000
- Monthly payments based only on outstanding balance
Home Equity Installment Loan
| Loan-to-value | 5 Year APR* (As low as) | 10 Year APR* (As low as) | 15 Year APR* (As low as) | Promotion |
|---|---|---|---|---|
| Up to 80% | 5.99% | 6.49% | 6.99% | Closing Cost Promotion: Credit union will pay up to $1,000 in closing costs (excluding taxes) |
| 81% – 90% | 6.74% | 7.24% | 7.74% | Promotion: Credit union will pay up to $1,000 in closing costs (excluding taxes) |
| 91% – 100% | 7.74% | 8.24% | 8.74% | Promotion: Credit union will pay up to $1,000 in closing costs (excluding taxes) |
Home Equity Line of Credit
| Loan-to-value | APR** (As low as) | Promotion |
|---|---|---|
| Up to 80% | 6.25 (Prime – 0.50%) | 4.49% Intro Rate for 12 months |
| 81% – 90% | 7.25 (Prime + 0.50%) | 4.49% Intro Rate for 12 months |
| 91% – 100% | 8.25 (Prime + 1.5%) | 4.49% Intro Rate for 12 months |
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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. 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 *Introductory rate of 4.49% for 12 months for LTVs up to 90%, 4.99% for 12 months for LTVs 91-100%. After promotion period, standard rate of Prime + Margin will apply. Variable APR equal to the Prime Rate as published in “The Wall Street Journal” plus a margin specific to your loan. Prime Rate (currently 6.75%) with a minimum APR of 6.25% and a maximum APR of 18.00%. Rates current as of March 15, 2026, and are subject to change based on market conditions and borrower eligibility. Minimum advance of $10,000 at settlement required for introductory rate. Subject to credit approval. Your APR may be higher based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, combined loan-to-value, and/or property type. Minimum credit line is $10,000. Maximum credit line is $250,000 based on LTV. SkyPoint pays closing costs (excluding taxes) in exchange for a $10,000 draw at settlement. Closing costs range $200-$1,500. If the credit line is closed within three years of open date borrower is responsible to reimburse credit union for closing costs paid by the credit union. Homeowner’s insurance is required. Flood insurance may be required. Offer does not apply to existing
SkyPoint credit lines. See a credit union representative for complete details.
1 You may pay certain fees to third parties to open a Home Equity Line of Credit. 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.
