The SkyPoint Federal Credit Union is a personal credit card from SkyPoint Federal Credit Union. The ongoing APR is After the 12-month promotional period, APR will be as low as 14.49% APR and as high as 18.00% APR; may vary with the market based on the Prime Rate after a 9.99% intro APR on purchases and balance transfers introductory rate. Signup bonus: $200 Cash Bonus if you spend $1,000 in the first 90 days from account opening (new cardholders only).