Skypoint Federal Credit Union
Headquarters
19785 Crystal Rock Dr, Suite 201
Germantown, MD 20874
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2024 Overview
General Credit Union Information
Skypoint is an NCUA insured institution located in Germantown, MD. It was founded in 1968 and has approximately $225.02 millions in assets.
Who can join?
At Educational Systems FCU, members come from throughout the education community. That includes sponsoring organizations, and immediate family members of current members.
Those eligible to join include: employees, students, as well as their parents and immediate family members of Montgomery, Prince George’s, Charles, Calvert, St. Mary’s, and Talbot County Public Schools, Montgomery College, Montgomery College Alumni Association, Prince George’s Community College (PGCC), PGCC Alumni and the College of Southern Maryland. Individuals who live or work in St. Mary’s County and their immediate family members may also join Educational Systems FCU.
If you work for a private or parochial school or organization that supports education, you may also be eligible join.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 18917 |
| Date Established | 1968 |
| Assets | $225.02 million |
| Loans | $162.44 million |
| Deposits | $174.79 million |
| Capital | $28.62 million |
Field of Membership Restrictions
Membership in Montgomery County Employees Federal Credit Union is open to anyone through membership of ARC of Montgomery County. Membership is also open to employees of Montgomery County, Montgomery County Public Schools, City of Rockville and over 40 area Select Employer Groups.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Skypoint
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Skypoint
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Branches
Below are Skypoint branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Skypoint Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 308.84 | A | View Lobby Hours | |
| 315.75 | B | View Lobby Hours |
Climate Policy and Initiatives
SKYPOINT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Skypoint Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Skypoint. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Skypoint | U.S. Average |
|---|---|
| 3.72% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Skypoint had $1,052,697 in non-current loans and $49,000 in owned assets. To cover these potential losses it had $28,616,943 in net worth and $967,733 in loans loss reserves. That gives it a Texas Ratio of 3.72%.
Net Worth
| Skypoint | U.S. Average |
|---|---|
| 12.69% | 13.93% |
Skypoint FCU has a net worth of 12.69% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Skypoint
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