At a glance
From its website, read 2 Nov 2026SkyPoint Federal Credit Union is a credit union based in Germantown, Maryland. Its website describes auto loans, small-dollar emergency loans, immigration loans and 2 other loan types. Stated loan amounts run from $500 to $250,000. Consumer loan APRs stated on its site range from 4.34% to 9.9%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (301) 279-1964 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.skypointfcu.com |
| Office (official list) | 19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874 |
What their website says about applying
Click on the Apply now button on this page.
sourceComplete and submit your loan application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 4.34% APR | Rates as low as 4.34% APR for loan terms of 36 months. | source |
| Immigration / citizenship loans | Rate: 9.9% APR | Fixed rate of 9.90% APR* | source |
| Personal / consumer loans | Rate: from 6.99% APR | Rates as low as 6.99% APR for loan terms up to 36 months. | source |
| Auto / vehicle loans | Term: up to 7 yr | Get a fixed loan term up to 84 months for new or used cars. | source |
| Home repair / improvement loans | Term: see their wording | Fixed repayment term up to 15 years | source |
| Immigration / citizenship loans | Term: up to 3 yr | Payback terms up to 36 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 720
Minimum credit score of 720
source - Collateral required
Your loan is secured by funds in your savings account.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 May 2018 |
| RSSD ID | 240486 |
| Address | 19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874 Directions (Google Maps) |
| Website | www.skypointfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Some loan amounts appear in rate tables without a clear product tie, and no service-area statement was found. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $100,000 | Loan Amounts up to $100,000 | source |
| Small-dollar / emergency loans | — | The Flex Loan has a $20 non-refundable loan application fee. | source |
| Immigration / citizenship loans | up to $4,000 | Loan amounts up to $4,000; $1,255 per immigration application | source |
| Home mortgages | — | Purchase a new home with a Mortgage Loan from SkyPoint Federal Credit Union | source |
| Personal / consumer loans | $500 – $30,000 | Loan amounts of $500 – $30,000 | source |
Loan sizes
Loan Amounts up to $100,000
sourceLoan amounts of $500 – $30,000
sourceLoan amounts up to $4,000; $1,255 per immigration application
sourceLoan amounts up to $250,000
source
Range used for the size filter: $500 to $250,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply for your loan in minutes!
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What is the APR, including fees, on your small-dollar emergency loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.2 million in 5 awards from the U.S. Treasury's CDFI Fund, 2018–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Program, Financial Assistance | $625,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2019 | CDFI Program, Financial Assistance | $565,000 |
| 2018 | CDFI Program, Financial Assistance | $600,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $7 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as SKYPOINT (charter 18917). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $242.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 14,050 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Maryland (3 offices)
- Montgomery County (3): 19785 Crystal Rock Dr Ste 201, Germantown 20874 (main office); 20 Courthouse Sq Ste 101, Rockville 20850; 8380 Colesville Rd Ste 201, Silver Spring 20910
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by SkyPoint Federal Credit Union (NCUA charter 18917, filed as “SKYPOINT”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $186.7 million, 10,029 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 10.8% from $168.4 million on 30 Jun 2025 |
| Members | 14,050 (as of 30 Jun 2026); 13,638 (as of 30 Jun 2025) |
| Loans per member | $13,287 (total loans divided by members, 30 Jun 2026) |
| Total assets | $242.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $14.2 million | 7.6% |
| Used vehicle loans | $29.2 million | 15.6% |
| First-lien home mortgages (1-4 family) | $76.2 million | 40.8% |
| Other real estate loans (junior liens, other) | $37.4 million | 20.0% |
| Commercial (business) loans | $75,946 | <0.1% |
| Credit cards | $15.5 million | 8.3% |
| Other unsecured loans | $13.2 million | 7.1% |
| Leases and other secured loans | $908,654 | 0.5% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025SkyPoint Federal Credit Union reported 30 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $2.1M (median loan about $55,000).
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Refinance (incl. cash-out) | 7 | 23% |
| Home improvement | 12 | 40% |
| Other purpose | 11 | 37% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 30 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 13 counties with at least one; 87% of its 2025 loans were for properties in Maryland:
- Montgomery County, MD (9)
- Frederick County, MD (6)
- Prince George's County, MD (3)
Filed under LEI 549300029HOKG1DFPD77 as “SkyPoint FCU”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 72% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $242.8 million | Larger than 56% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 77% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $168.4 million → $186.7 million (+11%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 116 → 111. |
| Home loans originated in 2025 (HMDA) | 30 | More than 11% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 72% |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 56% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 116 → 111 of 283 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 11% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Germantown and Maryland
- 22BEACON, INC.Loan fund · Hanover, MDNonprofit / community facility loansVerified
- Baltimore Community Lending, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Affordable housing development loans, Small-business loansVerified
- Enterprise Community Loan Fund, Inc.Loan fund · Columbia, MDEquity / venture investmentVerified
- HARBOR BANKSHARES CORPORATIONBank holding company · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Harbor Bank of Maryland Community Development CorporationLoan fund · Baltimore, MDEquity / venture investmentVerified
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