Credit union · NCUA insured
SkyPoint Federal Credit Union Savings Rates
Top CarrotSkyPoint Federal Credit Union’s best savings rate is 1.30% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How SkyPoint Federal Credit Union’s savings 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
1.30%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $130
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
SkyPoint Federal Credit Union savings score
87
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.30%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.30%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Money Market
0.05%APY
No monthly or hidden service charges. Write up to three checks per month. Minimum deposit of $35,000 to earn the stated rate; balances below $35,000 earn the published savings rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $35,000Balances below $35,000 earn the published savings rate. | 0.05% | $5 | Balances below $35,000 earn the published savings rate. |
| $35,000 and up | 1.75% | — |
Money Market
1.30%APY
No monthly or hidden service charges. Write up to three checks per month. Minimum deposit of $1,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 1.00% | — |
| $10,000 – $25,000 | 1.30% | $130 |
| $25,000 – $50,000 | 1.40% | — |
| $50,000 and up | 1.60% | — |
Regular Savings
0.05%APY
Limit of one Regular Savings per membership. Members with only a Regular Savings are subject to a minimum balance requirement and failure to meet it may result in a fee. Can become a member with $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarn dividends with just $100.$100 and up | 0.05% | $5 | Earn dividends with just $100. |
Sources (3)
- skypointfcu.com/bank/student-banking
- skypointfcu.com/bank/savings
- skypointfcu.com/bank/savings/regular-savings
All captured Oct 4, 2026
Special Savings
0.05%APY
Customize and choose account name. No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- skypointfcu.com/bank/student-banking
- skypointfcu.com/bank/savings
- skypointfcu.com/bank/savings/special-savings
All captured Oct 4, 2026
Summer Savings
0.05%APY
Designed specifically for 10-month school employees. Penalty-free withdrawals during winter, spring, and summer breaks. No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- skypointfcu.com/bank/student-banking
- skypointfcu.com/bank/savings/summer-savings
- skypointfcu.com/bank/savings
All captured Oct 4, 2026
Special-purpose accounts
Holiday Club Savings
0.05%APY
Allows one penalty-free withdrawal. No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- skypointfcu.com/bank/student-banking
- skypointfcu.com/bank/savings
- skypointfcu.com/bank/savings/holiday-club-savings
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.