SkyPoint Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.skypointfcu.com

301-279-1964

19785 Crystal Rock Dr Ste 201
Germantown, MD 20874

SkyPoint Federal Credit Union is headquartered in Germantown and is the 28^th largest credit union in the state of Maryland. It is also the 1,174^th largest credit union in the nation. It was established in 1968 and as of March of 2025, it had grown to 44 employees and 13,555 members at 3 locations. SkyPoint Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

SkyPoint Federal Credit Union is open to those who live, work, worship, attend school, or volunteer in Alexandria, Arlington County, or Falls Church, Virginia, or Frederick or Montgomery Counties, Maryland; or the District of Columbia. Eligibility also extends to all family and household members of current credit union members
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	18917
Year Chartered	1968
Employees	44
Primary Regulator

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	3.62%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$238.6MM$222.8MM
Loans	Q1 2025vs Q1 2024	$170MM$161.6MM
Deposits	Q1 2025vs Q1 2024	$180.8MM$173.1MM
Equity Capital	Q1 2025vs Q1 2024	$20.1MM$18.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.2MM$2.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3MM$2.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD

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Always verify rates and promotions with the bank or credit union. We are not SkyPoint Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

SkyPoint Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^†	$100	-	Regular Savings Account
0.05%^†	$0	-	Special Savings Account
0.05%^†	$0	-	Holiday Savings
0.05%^†	$0	-	Summer Savings

SkyPoint Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%^*^†	$35k^*	-	Premium Money Market
OTHER TIERS: 0.05% → $100 - $35k
1.60%^*^†	$50k^*	-	Money Market Account
OTHER TIERS: 1.00% → $1k - $10k \| 1.30% → $10k - $25k \| 1.40% → $25k - $50k

SkyPoint Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%^†	$1k	-	13 Month Share Certificate Special - New Money
3.85%^†	$1k	-	12 Month Share Certificate
3.70%^†	$1k	-	24 Month Share Certificate
3.30%^†	$1k	-	36 Month Share Certificate
3.20%^†	$1k	-	60 Month Share Certificate
3.15%^†	$1k	-	48 Month Share Certificate

Locations

SkyPoint Federal Credit Union Locations
Branch Office	19785 Crystal Rock Dr Ste 201	Germantown, MD 20874
Branch Office	20 Courthouse Sq Ste 101	Rockville, MD 20850
Branch Office	8380 Colesville Rd Ste 201	Silver Spring, MD 20910

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