{"id":62,"date":"2021-04-26T14:40:20","date_gmt":"2021-04-26T14:40:20","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarearoot\/borrow\/personal"},"modified":"2025-12-17T12:14:19","modified_gmt":"2025-12-17T16:14:19","slug":"personal","status":"publish","type":"page","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/borrow\/personal\/","title":{"rendered":"Personal"},"content":{"rendered":"<div class=\"band content-hero-v003 content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature-wrap-title\"><h1>Personal<\/h1><h4>When life throws you a curve, SkyPoint\u2019s suite of Personal Loans can help.<\/h4><a href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/?popup-form=true&#038;popup-type=1&#038;loantype=pl\" target=\"_self\" class=\"btn-blue-1\">Apply now<\/a><a href=\"https:\/\/app.loanspq.com\/cu\/ViewSubmittedLoans.aspx?lenderref=mcefcu080615\" target=\"_self\" class=\"btn-blue-1\">Check status<\/a><\/div><div class=\"feature-wrap-image\"><figure class=\"feature-wrap-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-hero-student-woman-laptop-phone-e1626714607341.jpg\" alt=\"happy woman on phone\"><\/figure><\/div><\/div><\/div><\/div>\n\n<div class=\"band\"><div class=\"zone zone-custom-content-block-3\"><div class=\"zone-title\"><h2>Packed with great features<\/h2><\/div><div class=\"feature-wrap\">\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"enjoy_competitive_rates\"><figure class=\"feature-image-inner\" style=\"color:block-color-1\"><span class=\"fa fa-percent\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Enjoy competitive rates<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"enjoy_competitive_rates\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Know you\u2019re getting the best deal with our competitive rates that will stay fixed for the term of your loan.<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"get_pre_approved_in_minutes\"><figure class=\"feature-image-inner\" style=\"color:block-color-2\"><span class=\"fa fa-clock\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Get pre-approved in minutes<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"get_pre_approved_in_minutes\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>The loan process is fast. Get a pre-approval in minutes.<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"rate_discounts_available_for_all_members\"><figure class=\"feature-image-inner\" style=\"color:block-color-3\"><span class=\"fa fa-users\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Rate discounts available for all members<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"rate_discounts_available_for_all_members\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Get a rate discount by enrolling in auto payments.<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n<\/div><!--feature-wrap--><\/div><!--band-cta--><\/div>\n\n<div class=\"band content-fullwidth-match band-custom-table-1\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature\"><div class=\"feature-padding\"><h2>Personal loan rates<\/h2><div class=\"table-responsive\">\n<p>\n<table id=\"tablepress-5\" class=\"tablepress tablepress-id-5\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Loan Type<\/th><th class=\"column-2\">APR* (As low as)<\/th><th class=\"column-3\">Term<\/th><th class=\"column-4\">Other Conditions<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Share Secured<\/td><td class=\"column-2\">4.00%<\/td><td class=\"column-3\">Up to 144 Months<\/td><td class=\"column-4\">Must have funds available in Savings Account<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Personal Loan<\/td><td class=\"column-2\">7.49%<\/td><td class=\"column-3\">Up to 36 Months<\/td><td class=\"column-4\">Loan amounts of $500 &#8211; $30,000<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Personal Loan<\/td><td class=\"column-2\">8.99%<\/td><td class=\"column-3\">37 &#8211; 72 Months<\/td><td class=\"column-4\">Loan amounts of $5,000 &#8211; $30,000<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Personal Line of Credit<\/td><td class=\"column-2\">10.64%<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">Loan amounts of $500 &#8211; $30,000<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Pathway Loan<\/td><td class=\"column-2\">9.90%<\/td><td class=\"column-3\">Up to 12 Months<\/td><td class=\"column-4\">Loan amounts of $500 &#8211; $1,000<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Pathway Loan<\/td><td class=\"column-2\">9.90%<\/td><td class=\"column-3\">13 &#8211; 36 Months<\/td><td class=\"column-4\">Loan amounts of $1,000 &#8211; $4,000<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Holiday Loan<sup>1<\/td><td class=\"column-2\">6.99%<\/td><td class=\"column-3\">Up to 36 Months<\/td><td class=\"column-4\">Loan amounts of $500 &#8211; $5,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n\n<\/div><div class=\"feature-cta\"><a class=\"btn-blue-1  hidden\" href=\"\" target=\"_self\"><\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"band content-fullwidth band-custom-tabbed-content-1\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature-wrap-title\"><h2>A suite of Personal loans that fit your needs<\/h2><h4>Explore our Personal loan options<\/h4><\/div><div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content\">\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"personalloan_img_tab\"><span class=\"text\">Personal Loan<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"personalloan_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-promo-couple-canoe-tropics.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>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.<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Fixed rate, term, and payment<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Loan amounts up to $30,000<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/?popup-form=true&amp;popup-type=1&amp;loantype=pl\">Apply now<\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"personallineofcredit_img_tab\"><span class=\"text\">Personal Line of Credit<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"personallineofcredit_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-promo-woman-couch-relaxed-horizontal.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>Find the greatest flexible with a line of credit from SkyPoint. Tap into this line whenever you need it!<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Revolving credit line that can be used over and over<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Credit limits up to $30,000<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/?popup-form=true&amp;popup-type=1&amp;loantype=pl\">Apply now<\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"sharesecuredloans_img_tab\"><span class=\"text\">Share Secured Loans<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"sharesecuredloans_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-promo-woman-laptop-home-laughing.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>Enjoy a great rate with a Share Secured Loan. Your loan is secured by funds in your savings account.<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Fixed rate, term, and payment<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">No credit check required, secured by funds in your savings account<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/?popup-form=true&amp;popup-type=1&amp;loantype=pl\">Apply now<\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"pathwayloan_img_tab\"><span class=\"text\">Pathway Loan<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"pathwayloan_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-promo-man-middleage-computer-kitchen-smile.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>To help our members manage the expenses related to the immigration process, SkyPoint has developed the Pathway Loan.<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Loan amounts up to $4,000; $1,255 per immigration application<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Payback terms up to 36 months<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Fixed rate of 9.90% APR*<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/?popup-form=true&amp;popup-type=1&amp;loantype=pl\">Apply now<\/a> <a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/borrow\/personal\/pathway-loan\/\">Learn more<\/a><\/p>\n\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"band content-fullwidth band-custom-feature-slider\"><div class=\"band-title\"><h2>Apply in 2 easy steps<\/h2><\/div><div class=\"band-image\"><figure class=\"band-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-hero-boat-small-tropics-aerial.jpg\" alt=\"boat aerial view\"><\/figure><\/div><div class=\"zone\">\n<div class=\"feature-wrap feature-wrap-custom-feature-slider-images\">\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/07\/phone-image_applynow2-355x490-1.png\" alt=\"SkyPoint Apply Now Loan\"><\/figure><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/07\/phone-image_loans6-355x490-1.png\" alt=\"\"><\/figure><\/div><\/div><\/div>\n<\/div>\n\n<div class=\"feature-wrap feature-wrap-custom-feature-slider-nav\">\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h3>Step 1<\/h3><h4>Apply<\/h4><p>Click the Apply now button on this page.<\/p><\/div><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h3>Step 2<\/h3><h4>Complete &#038; submit<\/h4><p>Complete and submit your application.<\/p><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"band content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap feature-wrap-custom-product-block blue-blue\"><div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h2>Get started today<\/h2><p>Apply for your Personal loan in minutes!<\/p><\/div><\/div><div class=\"feature-cta\"><a class=\"\" href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/?popup-form=true&#038;popup-type=1&#038;loantype=pl\" target=\"_self\">Apply now<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>* 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.<\/p>\n\n\n\n<p><sup>1<\/sup> APR=Annual Percentage Rate. Rates as low as 6.99% APR, including .25% discount for auto pay, and are based on the borrower\u2019s 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.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"* 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. [&hellip;]","protected":false},"author":1,"featured_media":0,"parent":45,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"template_back.php","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_excerpt":[],"footnotes":""},"class_list":["post-62","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal - SkyPoint Federal Credit Union<\/title>\n<meta name=\"description\" content=\"SkyPoint Credit Union offers our greater Washington D.C members Personal Loans, which are personal unsecured loans that can be used for a variety expenses.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal - SkyPoint Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"SkyPoint Credit Union offers our greater Washington D.C members Personal Loans, which are personal unsecured loans that can be used for a variety expenses.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/borrow\/personal\/\" \/>\n<meta property=\"og:site_name\" content=\"SkyPoint Federal Credit Union\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-17T16:14:19+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.skypointfcu.com\/wph\/workarea\/borrow\/personal\/\",\"url\":\"https:\/\/www.skypointfcu.com\/wph\/workarea\/borrow\/personal\/\",\"name\":\"Personal - 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