Credit union · NCUA insured
SkyPoint Federal Credit Union
Top CarrotA $249.8M credit union headquartered in Germantown, MD, with 13,920 members and 3 branches in Maryland. Best rates: CDs 4.15% and savings 1.30% APY.
SkyPoint Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#33 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SkyPoint Federal Credit Union
Founded in 1968 as Montgomery County Employees Federal Credit Union to serve Montgomery County, Maryland government employees, SkyPoint Federal Credit Union is a member-owned credit union.
Headquartered in Germantown, Maryland, the credit union adopted the SkyPoint name in 2019 and is a designated Community Development Financial Institution (CDFI).
SkyPoint serves the greater Washington, D.C. metro region, including Montgomery and Frederick counties in Maryland, the District of Columbia, and Alexandria, Arlington County, and Falls Church in Virginia.
- Headquarters
- 19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
- NCUA charter
- 18917
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, attend school, worship, or volunteer in Alexandria, VA; Arlington County, VA; District of Columbia; Falls Church, VA; Frederick County, MD; or Montgomery County, MD are eligible to join.
Family and household
- All family members of current members are eligible to join.
- Members of a household with an existing credit union member are eligible to join.
Branches
3 branches in Maryland
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Maryland
3 branches
- SkyPoint FCU HQ and BranchMain office19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874Directions
- SkyPoint FCU Rockville Branch20 COURTHOUSE SQ Ste 101, Rockville, MD 20850Directions
- SkyPoint FCU Silver Spring Branch8380 Colesville Rd Ste 201, Silver Spring, MD 20910Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.37% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.61% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.56% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $98 | $76 | — |
- CapitalNet worth ratio12.37%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.61%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$98Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of SkyPoint Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.