--- title: "Skypoint Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Skypoint Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Skypoint Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/skypoint" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Skypoint Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30 Year Fixed - Home Ready** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.167% APR | 7.000% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.891% APR | 6.625% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **15/15 ARM - Conforming 1** arm | 6.869% APR | 6.625% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.091% APR | 6.875% | — | Standard | Skypoint Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Skypoint Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/skypoint) , verified from [Skypoint Credit Union's official website](https://www.skypointfcu.com/) Best product position **Better than the Maryland median** 30-year fixed mortgage Gap to state best **29 bp** 29 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Maryland markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Maryland median | 29 bp from state best | 41 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Skypoint Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=skypoint&state=maryland&code=MD&name=Skypoint%20Credit%20Union) Loading branch locator… ## About Skypoint Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 13.9K Assets $249.8M Founded 1968 Locations reported 3 NCUA charter 18917 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Mid-Atlantic** Germantown · Germantown · MD · 20874-2627 About 3.5 miles away](https://rateapi.dev/credit-unions/maryland/mid-atlantic) [**Nymeo** GAITHERSBURG - BANK STREET · GAITHERSBURG · MD · 20878-1501 About 4.2 miles away](https://rateapi.dev/credit-unions/maryland/nymeo) [**Navy Federal Credit Union** Germantown MD · Germantown · MD · 20876 About 4.7 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Capital Area Realtors** Main Office · Rockville · MD · 20850-3312 About 5.7 miles away](https://rateapi.dev/credit-unions/maryland/capital-area-realtors) [**National Institutes of Health** The National Cancer Institute (NCI) Shady Grove · Rockville · MD · 20850 About 6.0 miles away](https://rateapi.dev/credit-unions/maryland/national-institutes-of-health) [**Educational Systems** Germantown · Germantown · MD · 20876 About 6.3 miles away](https://rateapi.dev/credit-unions/maryland/educational-systems) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Skypoint Credit Union Membership eligibility from Skypoint Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Skypoint Credit Union's website. Check the membership page below to confirm whether you qualify. - Location VA Verified from [Skypoint Credit Union's membership page](https://www.skypointfcu.com/eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for Skypoint Credit Union Geography 1 county · Family 2 13 published paths to membership, last verified November 8, 2026, quoted from Skypoint Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Alexandria, VA - Falls Church, VA - Montgomery County, MD “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Montgomery County, MD” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member household member “Is there someone in your household who is already a member? If so, then you are eligible!” > [source ↗](https://www.skypointfcu.com/eligibility/) - Family member (household member) of a member - Family of a member family “All family members of current members are eligible to join.” > [source ↗](https://www.skypointfcu.com/eligibility/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Skypoint Credit Union? Yes No ## Work at Skypoint Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Skypoint Credit Union ranks against Maryland peers. - See which AI assistants fetched Skypoint Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maryland - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=skypoint&state=maryland&code=MD&name=Skypoint%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Skypoint Credit Union offer? Skypoint Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Skypoint Credit Union rates updated? RateAPI verifies Skypoint Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Skypoint Credit Union's rate data? Rate data is collected directly from Skypoint Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Skypoint Credit Union's mortgage rate? As of November 12, 2026, Skypoint Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Skypoint Credit Union? Skypoint Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 1 county for Skypoint Credit Union, each quoted from Skypoint Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Skypoint Credit Union's rates against national credit-union benchmarks. [More Maryland credit unions](https://rateapi.dev/credit-unions/maryland) [Maryland mortgage rate leaders](https://rateapi.dev/mortgage-rates/maryland) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.skypointfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Skypoint Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maryland credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Skypoint Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /skypoint " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Skypoint Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maryland/skypoint Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp