What are the current interest rates at 5Point Credit Union?

Current rates for 5Point Credit Union include: 12-Month CD: 4.04%, 24-Month CD: 3.40%, 60-Month CD: 3.55%, Savings: 3.00%, MMA: 1.25%

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5Point Credit Union

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5Point Credit Union Rates & Review October 2026

Q: How many branches does 5Point Credit Union operate?

5Point Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join 5Point Credit Union?

Yes, to access services at 5Point Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, 5Point Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 5Point Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

5Point Credit Union's top rates as of October 10, 2026 are 4.34% APY on its 12 Month Business CD, 3.00% APY on savings, 1.25% APY on money market accounts, 6.00% APY on checking, 5.50% on its Mortgage, and personal loans from 9.75% APR, according to rates verified by MonitorBankRates. Other 5Point Credit Union CD rates include 12 Month Business CD at 4.24%, IRA CD 12-Month (Tier 3) at 4.24%, and CD 12-Month (Tier 3) at 4.24%. Other 5Point Credit Union mortgage rates include Mortgage at 5.75%, and Mortgage at 6.00%. MonitorBankRates evaluates the financial stability of 5Point Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.35%. Rates last updated and verified on 10/10/2026.

5Point Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 5Point Credit Union? Share your experience about 5Point Credit Union by leaving a review below, or read customer reviews before you decide to use 5Point Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.35%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

5Point Credit Union
FivePoint Credit Union

3700 Skyline Dr
Nederland, TX 77642

https://www.5pointcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

5Point Credit Union CD Rates

Product	Rate	APY	Term
IRA Share Certificate 12-Month (Tier 3)	4.15%	4.24%	12-Month
Min Deposit $99,000 Min Balance $99,000 Details Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.24% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 12-Month (Tier 3)	4.15%	4.24%	12-Month
Min Deposit $99,000 Min Balance $99,000 Details Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.24% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 12-Month (Tier 2)	4.05%	4.14%	12-Month
Min Deposit $50,000 Min Balance $50,000 Details Minimum: $50,000.00 - $98,999.99; Balance: $50,000.00 - $98,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.14% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 12-Month (Tier 2)	4.05%	4.14%	12-Month
Min Deposit $50,000 Min Balance $50,000 Details Minimum: $50,000.00 - $98,999.99; Balance: $50,000.00 - $98,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 6-Month (Tier 3)	4.01%	4.09%	6-Month
Min Deposit $99,000 Min Balance $99,000 Details Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.09% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 6-Month (Tier 3)	4.01%	4.09%	6-Month
Min Deposit $99,000 Min Balance $99,000 Details Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 12-Month (Tier 1)	3.96%	4.04%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum: $1,000.00 - $49,999.99; Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.04% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 12-Month (Tier 1)	3.96%	4.04%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum: $1,000.00 - $49,999.99; Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 6-Month (Tier 2)	3.92%	4.00%	6-Month
Min Deposit $50,000 Min Balance $50,000 Details Minimum: $50,000.00- $98,999.99; Balance: $50,000.00- $98,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 6-Month (Tier 2)	3.92%	4.00%	6-Month
Min Deposit $50,000 Min Balance $50,000 Details Minimum: $50,000.00- $98,999.99; Balance: $50,000.00- $98,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 60-Month (Tier 3)	3.88%	3.96%	60-Month
Min Deposit $99,000 Min Balance $99,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.96% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 60-Month (Tier 3)	3.88%	3.96%	60-Month
Min Deposit $99,000 Min Balance $99,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.96% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 6-Month (Tier 1)	3.82%	3.89%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum: $1,000.00 - $49,999.99; Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.89% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 6-Month (Tier 1)	3.82%	3.89%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum: $1,000.00 - $49,999.99; Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.89% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 60-Month (Tier 2)	3.79%	3.86%	60-Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.86% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 60-Month (Tier 2)	3.79%	3.86%	60-Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.86% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 24-Month (Tier 3)	3.73%	3.80%	24-Month
Min Deposit $99,000 Min Balance $99,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 24-Month (Tier 3)	3.73%	3.80%	24-Month
Min Deposit $99,000 Min Balance $99,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 60-Month (Tier 1)	3.68%	3.75%	60-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 60-Month (Tier 1)	3.68%	3.75%	60-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 36-Month (Tier 3)	3.64%	3.71%	36-Month
Min Deposit $99,000 Min Balance $99,000 Details Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 36-Month (Tier 3)	3.64%	3.71%	36-Month
Min Deposit $99,000 Min Balance $99,000 Details Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 24-Month (Tier 2)	3.63%	3.70%	24-Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 24-Month (Tier 2)	3.63%	3.70%	24-Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 36-Month (Tier 2)	3.55%	3.61%	36-Month
Min Deposit $50,000 Min Balance $50,000 Details Minimum: $50,000.00 - $98,999.99; Balance: $50,000.00 - $98,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 36-Month (Tier 2)	3.55%	3.61%	36-Month
Min Deposit $50,000 Min Balance $50,000 Details Minimum: $50,000.00 - $98,999.99; Balance: $50,000.00 - $98,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 24-Month (Tier 1)	3.54%	3.60%	24-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 24-Month (Tier 1)	3.54%	3.60%	24-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 36-Month (Tier 1)	3.45%	3.51%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum: $1,000.00 - $49,999.99; Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 36-Month (Tier 1)	3.45%	3.51%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum: $1,000.00 - $49,999.99; Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 91-Day (Tier 3)	2.70%	2.74%	91-Day
Min Deposit $99,000 Min Balance $99,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.74% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 91-Day (Tier 3)	2.70%	2.74%	91-Day
Min Deposit $99,000 Min Balance $99,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.74% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 91-Day (Tier 2)	2.60%	2.63%	91-Day
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 91-Day (Tier 2)	2.60%	2.63%	91-Day
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.63% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Share Certificate 91-Day (Tier 1)	2.50%	2.53%	91-Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Certificate 91-Day (Tier 1)	2.50%	2.53%	91-Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Term Share	4.25%	4.34%	12 Month
Min Balance $99,000 Details Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.34% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month Business Term Share	4.15%	4.24%	12 Month
Min Balance $50,000 Details Balance: $50,000.00 - $98,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.24% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Business Term Share	4.11%	4.20%	6 Month
Min Balance $99,000 Details Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month Business Term Share	4.06%	4.14%	12 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.14% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Business Term Share	4.02%	4.10%	6 Month
Min Balance $50,000 Details Balance: $50,000.00 - $98,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Business Term Share	3.92%	4.00%	6 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Business Term Share	3.69%	3.76%	60 Month
Min Balance $99,000 Details Balance: $99,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Business Term Share	3.64%	3.71%	36 Month
Min Balance $99,000 Details Balance: $99,000.00 or greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Business Term Share	3.59%	3.66%	60 Month
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Business Term Share	3.55%	3.61%	36 Month
Min Balance $50,000 Details Balance: $50,000.00 - $98,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Business Term Share	3.54%	3.60%	24 Month
Min Balance $99,000 Details Balance: $99,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Business Term Share	3.49%	3.55%	60 Month
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Business Term Share	3.45%	3.51%	36 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Business Term Share	3.44%	3.50%	24 Month
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Business Term Share	3.34%	3.40%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Business Term Share	2.70%	2.74%	91 Day
Min Balance $99,000 Details Balance: $99,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.74% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Business Term Share	2.60%	2.63%	91 Day
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Business Term Share	2.50%	2.53%	91 Day
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Savings Rates

Product	Rate	APY
First Savings Account	2.96%	3.00%
Min Balance $0 Details Balance: Up to and including $5,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
High-Yield Savings Account	2.96%	3.00%
Min Balance $0 Details Balance: Up to and including $100,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Savings	0.20%	0.20%
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Savings	0.20%	0.20%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.20%	0.20%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.24%	1.25%
Min Balance $500,000 Details Balance: $500,000.00 and greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Money Market Account	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000.00-$499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Money Market Account	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Money Market Account	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000.00-$24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Money Market Account	0.20%	0.20%
Min Balance $0 Details Balance: $0.00-$1,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.24%	1.25%
Min Balance $500,000 Details Balance: $500,000.00 and greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Business Money Market	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Business Money Market	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Business Money Market	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Business Money Market	0.20%	0.20%
Min Balance $0 Details Balance: $0.00 - $1,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Checking Rates

Product	Rate	APY
FREE HIGH-YIELD CHECKING	-	6.00%
Min Balance $0 Details Qualifying balance up to $15,000.00; 0.50% APY on portion of balance over $15,000 if qualifications are met; 0.05% APY on balances even if qualifications are not met. Qualifications Required; At least 15 debit card purchases posted and settled; At least 1 direct deposit or ACH credit/debit; Enroll in and agree to receive eStatements instead of paper. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
High-Yield Checking Account	5.83%	6.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Up to and including $15,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
High-Yield Checking Account	0.50%	0.50%
Min Balance $15,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $15,000.01 and up Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Rewards Share Draft (Checking)	0.15%	0.15%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
50+ Share Draft (Checking)	0.10%	0.10%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Plus Share Draft (Checking)	0.10%	0.10%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
High-Yield Checking Account	0.05%	0.05%
Details Non-qualifying Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage	5.50%	-	5.50%	10 Years
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Mortgage	5.50%	-	5.50%	15 Years
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Mortgage	5.75%	-	5.75%	20 Years
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Mortgage	6.00%	-	6.00%	30 Years
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	5.25%	5 Years
Details Additional APR listed for this product: 5.75%. As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity	-	-	5.25%	10 Years
Details Additional APR listed for this product: 5.75%. As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity	-	-	5.50%	15 Years
Details Additional APR listed for this product: 6.00%. As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity	-	-	5.75%	20 Years
Details Additional APR listed for this product: 6.25%. As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity	-	-	6.00%	30 Years
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, Travel Trailers & Motor Homes Loan	-	3.50%	36 months
Details Published APR range: 3.50% - 15.75%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes Loan	-	4.00%	48 months
Details Published APR range: 4.00% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes Loan	-	4.25%	60 months
Details Published APR range: 4.25% - 16.25%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes Loan	-	4.75%	72 months
Details Published APR range: 4.75% - 16.25%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes Loan	-	5.00%	78 months
Details Published APR range: 5.00% - 16.25%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes Loan	-	5.25%	84 months
Details Published APR range: 5.25% - 16.25%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes Loan	-	7.75%	96 months
Details Published APR range: 7.75% - 16.75%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes Loan	-	8.50%	120 months
Details Published APR range: 8.50% - 16.75%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes Loan	-	8.50%	180 months
Details Published APR range: 8.50% - 16.75%. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loans	9.75%	36 months
Details Published APR range: 9.75% - 16.00%; Published rate range: 9.75% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Debt Consolidation Loans	9.75%	48 months
Details Published APR range: 9.75% - 16.00%; Published rate range: 9.75% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Debt Consolidation Loans	9.75%	60 months
Details Published APR range: 9.75% - 16.00%; Published rate range: 9.75% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	9.75%	36 months
Details Published APR range: 9.75% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	9.75%	48 months
Details Published APR range: 9.75% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	9.75%	60 months
Details Published APR range: 9.75% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Debt Consolidation Loans	10.00%	72 months
Details Published APR range: 10.00% - 16.00%; Published rate range: 10.00% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	10.00%	72 months
Details Published APR range: 10.00% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Debt Consolidation Loans	11.00%	84 months
Details Published APR range: 11.00% - 16.00%; Published rate range: 11.00% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	11.00%	84 months
Details Published APR range: 11.00% - 16.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Rate Loan	14.50%
Details Published APR range: 14.50% - 17.25%. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 14.25% → 14.50% ▲ 0.25 pts · high 14.50% / low 14.25% Oct 10, 202614.50%▲ from 14.25% Sep 14, 202614.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loans	-	-	6.50%	up to 12 months
Details interest only with remaining accrued interest and principal due at maturity Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Improvement Loan	-	-	6.00%	5 Years
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Improvement Loan	-	-	6.25%	10 Years
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Improvement Loan	-	-	6.50%	15 Years
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Land Loan	-	-	5.25%	up to 5 Years
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Land Loan	-	-	5.75%	up to 10 Years
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Land Loan	-	-	6.00%	up to 15 Years
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Line of Credit	-	-	10.50%
Details Published APR range: 10.50% - 18.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Platinum Rate Loan	-	-	11.00%
Details Published APR range: 11.00% - 18.00%. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 10, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Platinum Rewards Rate Loan	-	-	12.50%
Details Published APR range: 12.50% - 18.00%. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.25% → 12.50% ▲ 0.25 pts · high 12.50% / low 12.25% Oct 10, 202612.50%▲ from 12.25% Sep 14, 202612.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
First Spending Account	4.88%	-	5.00%
Min Balance $0 Details Balance: Up to and including $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
First Spending Account	0.50%	-	0.50%
Min Balance $1,000 Details Balance: $1,000.01 and up Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
First Spending Account	0.05%	-	0.05%
Details Non-qualifying Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

5Point Credit Union’s Texas Ratio rose from 3.84% in Q3 2023 to 6.35% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	6.35%	5.0	A
March 31, 2026	$1.1B	4.97%	5.0	A+
December 31, 2025	$1.1B	6.11%	5.0	A
September 30, 2025	$1.1B	5.94%	5.0	A+
June 30, 2025	$1.0B	3.79%	5.0	A+
March 31, 2025	$1.0B	4.03%	5.0	A+
December 31, 2024	$987M	4.74%	5.0	A+
September 30, 2024	$971M	4.28%	5.0	A+
June 30, 2024	$963M	3.32%	5.0	A+
March 31, 2024	$956M	3.41%	5.0	A+
December 31, 2023	$941M	4.65%	5.0	A+
September 30, 2023	$933M	3.84%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 5Point Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 5Point Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 5Point Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 5Point Credit Union

Website https://www.5pointcu.org

Address 3700 Skyline Dr, Nederland, TX 77642

Phone 800-825-8829

Fax

President Joe Dickson

CEO Erik Shaw

Full-Time Employees 201

Part-Time Employees 13

Branch Locations 8

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.35%

Return on Assets (ROA)

0.2260%

Return on Equity (ROE)

2.5729%

Non-Performing Loans Ratio (NPL)

0.76%

Total Assets

1,116,547,729

Total Amount of Shares and Deposits

1,003,997,615

Total Shares and Deposits < 1 Year

944,187,218

Total Shares and Deposits 1 3 Years

50,309,544

Total Shares and Deposits > 3 Years

9,500,852

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

59,395,373

Total Uninsured Shares and Deposits > $250K (F+J)

59,395,373

Total Insured Shares and Deposits > $250K (item 17 less item K)

944,602,242

Total Interest Expense (Sum of items 6 8)

10,873,444

Share Certificates

3,761

Number of Accounts for Share Drafts

44,723

IRA KEOGH Accounts

1,503

Number of Accounts for Regular Shares

70,370

Non Member Deposits

Money Market Shares

2,258

Net Income (unless the amount is already included in Undivided Earnings)

2,523,219

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Undercapitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

47,156,420

Total Liabilities

1,022,707,342

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

5Point Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About 5Point Credit Union

How many branches does 5Point Credit Union operate?

5Point Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 5Point Credit Union?

Yes, to access services at 5Point Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 5Point Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 5Point Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 5Point Credit Union offer online and mobile banking?

Most modern institutions like 5Point Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.5pointcu.org.

Current 5Point Credit Union Rates

12-Month CD4.04%
24-Month CD3.40%
60-Month CD3.55%
Savings3.00%
MMA1.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

5Point Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

5Point Credit Union Texas Ratio

5Point Credit Union Health Trend

5Point Credit Union CD Rates

5Point Credit Union Business CD Rates

5Point Credit Union Savings Rates

5Point Credit Union Business Savings Rates

5Point Credit Union Money Market Rates

5Point Credit Union Business Money Market Rates

5Point Credit Union Checking Rates

5Point Credit Union Mortgage Rates

5Point Credit Union Home Equity & HELOC

5Point Credit Union RV, Boat and Powersport Loan Rates

5Point Credit Union Personal Loan Rates

5Point Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

5Point Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 5Point Credit Union

How many branches does 5Point Credit Union operate?

Is a member application needed to join 5Point Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 5Point Credit Union offer online and mobile banking?

Current 5Point Credit Union Rates

Compare to Other Credit Unions