The SkyPoint Federal Credit Union is a personal loan from SkyPoint Federal Credit Union. The ongoing APR is As low as 6.99% APR up to 36 months; as low as 8.49% APR 37 – 72 months (includes a 0.25% discount for automatic transfer payments). Typical credit limit: $500 – $30,000 (up to 36 months); $5,000 – $30,000 (37 – 72 months). Loan terms: Fixed rate, term, and payment; up to 72 months.