The SkyPoint Federal Credit Union is a home equity line of credit from SkyPoint Federal Credit Union. The ongoing APR is As low as 6.50 (Prime – 0.50%) up to 80% LTV; 7.50 (Prime + 0.50%) 81%–90%; 8.50 (Prime + 1.5%) 91%–100%; Prime Rate (currently 7.00%) with a minimum APR of 6.50% and a maximum APR of 18.00% (rates current as of October 1, 2026). Typical credit limit: Minimum credit line is $10,000. Maximum credit line is $250,000 based on LTV. Loan terms: Revolving line; monthly payments based only on outstanding balance.