Credit union · NCUA insured
SkyPoint Federal Credit Union CD Rates
Top CarrotSkyPoint Federal Credit Union’s best CD rate is 4.15% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How SkyPoint Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where SkyPoint Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SkyPoint Federal Credit Union
4.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $450
13-Month Certificate Special
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
SkyPoint Federal Credit Union CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SkyPoint Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
13-Month Certificate Special
4.15%APY · 1 term
New money requirement: promotional rate available for new funds only (deposits not currently held by SkyPoint Federal Credit Union; funds transferred from existing SkyPoint accounts or maturing CDs are ineligible). IRA certificates are not eligible. Early withdrawal penalties apply. Dividends paid monthly. Renews at a 12-month term (per footnote 3 on p52) or 6-month term (per footnote 3 on p57).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNew money requirement: promotional rate is available for new funds only. Funds transferred from existing SkyPoint accounts including maturing CDs are not eligible. IRA certificates are not eligible. Early withdrawal penalties apply. Dividends paid monthly. Renews at a 12-month or 6-month term unless otherwise requested | 4.15% | $450 |
Sources (2)
All captured Oct 4, 2026
Share Certificates
Up to 3.90%APY · 6 terms
Dividends paid monthly. Substantial early withdrawal penalties apply. $1,000 minimum deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRenews at a 6-month term unless otherwise requested. IRA certificates are not eligible. Early withdrawal penalties apply. Dividends paid monthly | 3.65% | $181 |
| 12 monthsDividends paid monthly. Substantial penalty may apply for early withdrawal | 3.90% | $390 |
| 24 monthsDividends paid monthly. Substantial penalty may apply for early withdrawal | 3.75% | $764 |
| 36 monthsDividends paid monthly. Substantial penalty may apply for early withdrawal | 3.75% | $1,168 |
| 48 monthsDividends paid monthly. Substantial penalty may apply for early withdrawal | 3.75% | $1,587 |
| 60 monthsDividends paid monthly. Substantial penalty may apply for early withdrawal | 3.75% | $2,021 |
Sources (2)
All captured Oct 4, 2026
Who can join SkyPoint Federal Credit Union
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.
Membership information collected October 4, 2026.