The SkyPoint Federal Credit Union is a home equity loan from SkyPoint Federal Credit Union. The ongoing APR is As low as: up to 80% LTV 5.99% (5 yr), 6.49% (10 yr), 6.99% (15 yr); 81%–90% LTV 6.74%, 7.24%, 7.74%; 91%–100% LTV 7.74%, 8.24%, 8.74%. Typical credit limit: Loan amounts up to $250,000. Loan terms: Fixed repayment term up to 15 years.