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If you're looking for great rates, look no further. We've got them. FivePoint Credit Union prides itself on offering extremely competitive rates from term share accounts (CDs) to auto rates.
Not only will you get great rates with FivePoint Credit Union, you'll also get great services. We stand behind each of our products and services. After all, our mission is to improve the quality of life for our members and the community.
 
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Click on a product banner below to review current rates.
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| Type |
Dividend Rate (%) |
APY* (%) |
Minimum to Open |
| Share Savings |
0.25 |
0.25 |
$25.00 |
| Share Draft Checking |
0.15 |
0.15 |
$25.00 |
| IRA Savings |
0.25 |
0.25 |
$100.00 |
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*APY= annual percentage yield
Dividends do not apply to Absolutely Free Checking Accounts.
Effective April 1, 2010.
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Money Market
Account Type |
Amount |
Dividend Rate(%) |
APY*(%) |
| Silver |
$2000.99-$24,999.99 |
0.30% |
0.30% |
| Gold |
$25,000.00-$49,999.99 |
0.50% |
0.50% |
| Platinum |
$50,000.00 and Over |
0.60% |
0.60% |
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*APY= annual percentage yield
Effective August 1, 2012
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| Type |
Dividend Rate (%) |
APY* (%) |
Minimum to Open for IRA Share Certificate |
Minimum to Open for Share Certificate |
| 3-Month |
0.25 |
0.25 |
$1,000.00 |
$1,000.00 |
| 3-Month Mini Jumbo |
0.35 |
0.35 |
$50,000.00 |
$50,000.00 |
| 3-Month Jumbo |
0.45 |
0.45 |
$99,000.00 |
$99,000.00 |
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| 6-Month |
0.40 |
0.40 |
$1,000.00 |
$1,000.00 |
| 6-Month Mini Jumbo |
0.50 |
0.50 |
$50,000.00 |
$50,000.00 |
| 6-Month Jumbo |
0.60 |
0.60 |
$99,000.00 |
$99,000.00 |
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| 12-Month |
0.60 |
0.60 |
$1,000.00 |
$1,000.00 |
| 12-Month Mini Jumbo |
0.70 |
0.70 |
$50,000.00 |
$50,000.00 |
| 12-Month Jumbo |
0.80 |
0.80 |
$99,000.00 |
$99,000.00 |
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| 24-Month |
0.90 |
0.90 |
$1,000.00 |
$1,000.00 |
| 24-Month Mini Jumbo |
1.00 |
1.00 |
$50,000.00 |
$50,000.00 |
| 24-Month Jumbo |
1.10 |
1.11 |
$99,000.00 |
$99,000.00 |
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| 60-Month |
1.90 |
1.92 |
$1,000.00 |
$1,000.00 |
| 60-Month Mini Jumbo |
2.00 |
2.02 |
$50,000.00 |
$50,000.00 |
| 60-Month Jumbo |
2.10 |
2.12 |
$99,000.00 |
$99,000.00 |
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A penalty will or may be imposed for early withdrawals.
*APY= annual percentage yield
Effective April 23, 2012.
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| Term (up to) |
APR* As Low As |
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| 48 Months |
2.75% |
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| 60 Months |
3.00% |
| 72 Months |
3.25% |
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*APR= annual percentage rate
Effective June 7, 2012.
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| Type |
APR* |
| Standard Card |
Variable rate between 7.9% – 17.9% |
| Platinum |
Variable rate between 7.9% – 17.9% |
| Secured MC |
Variable rate between 7.9% – 17.9% |
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*APR= annual percentage rate
No annual fee, 25-day grace period
Effective July 1, 2009.
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| Line of Credit |
APR* As Low As |
| Line of Credit |
8.00% |
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*APR= annual percentage rate
Effective July 1, 2009.
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| Signature Loans |
APR* As Low As |
| Signature Loans |
9.00% |
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*APR= annual percentage rate
Effective June 1, 2010.
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| Call For Rates 409.962.8293 1.800.825.8829 |
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| Term (up to) |
APR* As Low As |
| 60 Months |
3.75% |
| 120 Months |
4.00% |
| 180 Months |
4.25% |
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*APR= annual percentage rate
Effective November 19, 2012.
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Inquiry/ATM cash withdrawal from account(s)
No transaction fee at FivePoint ATMs |
$1.00 (at non FivePoint ATMs) |
Transfer funds from account(s)
to another account at ATM |
$1.00 (at non FivePoint ATMs) |
| Counter check |
$2.00 per 12 |
| Teller check |
$2.00 |
| Money order |
$2.00 |
| Traveler's checks |
$1.00 per $100.00 |
| Traveler's checks for two |
$1.50 per $100.00 |
| Overdraft Protection Automatic Transfer |
$5.00 per transfer |
| Nonsufficient funds item (each) |
$25.00 |
| Account activity printout |
$3.00 |
| Account research |
$15.00 per hour ($15 minimum charge) |
| Account balancing assistance |
$15.00 per hour ($15 minimum charge) |
| Stop payments (all items) |
$20.00 |
| Outgoing domestic wire transfer |
$15.00 per wire |
| Outgoing foreign wire transfer |
$30.00 per wire |
| Copy of check |
$2.00 (2 free per month) |
| Tax information |
$3.00 |
| Copy of a statement |
$3.00 |
| Return statement for incorrect addresses |
$2.00 per statement |
| ATM/VISA Debit Card reissue |
$5.00 |
| Collection item |
Domestic: $20.00 per item
International: $75.00 per item |
| Photocopies |
$0.25 each |
| Home Banking |
FREE |
| Bill Payer |
FREE
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| Mobile Banking |
FREE |
| SMS Banking |
FREE
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| Returned item (each) |
$25.00 |
| Overdraft (each) |
$25.00 |
| ATM Debit Card Over Draft |
$25.00 |
| ACH Overdraft |
$25.00 |
| Pre-Auth EFT Nonsufficient funds item |
$25.00 |
| Post Dated Item |
$20.00 |
| Deposited item return |
$5.00 per item |
| Shared Branch Deposited item return |
$15.00 in addition to the credit union's $5.00 per item |
| Excessive withdrawal for Savings/Money Market accounts |
$10.00/occurrence for each withdrawal in excess of six (6) per calendar month |
| Account closure |
$25.00/ Primary account if closed within 6 months |
| Western Union wires |
$22.50/transfer up to $500.00, $12.50 plus 2% of the principle/transfer $500.00 and above |
| Research for unrecognized disputed debit card transactions |
$25.00 per item |
| Home Banking/Electronic PC |
NSF Fee: $25.00 (in addition to Credit Union $25.00 NSF fee)
Stop Payment Fee: $20.00
CD Payment History Order $25.00
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| Foreign Transactions |
VISA 1% of the amount/per transaction calculated in US dollars |
| Visa Gift Card |
$2.95 per card |
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Effective February 15th, 2012. |
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Please call 409.962.8793 or 1.800.825.8829 to get the latest rates.
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2013, FivePoint Federal Credit Union