5Point Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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5Point Credit Union's 12 Month Business CD Accounts rates are at 4.34%, IRA CD 12 month (Tier 3) rates are at 4.34%, CD 12 month (Tier 3) rates are at 4.34%, 12 Month Business CD Accounts rates are at 4.24%, IRA CD 12 month (Tier 2) rates are at 4.24%. 5Point Credit Union's savings rates are at 0.05%. 5Point Credit Union's money market rates are at 0.20%.
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 by leaving a review below, or read customer reviews before you decide to use . 5Point Credit Union Texas Ratio5Point Credit Union's Texas Ratio is at 6.33%, which is considered excellent. The Texas Ratio for 5Point Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that 5Point Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
5Point Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, 5Point Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
5Point Credit Union
FivePoint Credit Union 3700 Skyline Dr
Nederland, TX 77627 8303 
5Point Credit Union CD Rates
5Point Credit Union Savings Rates
5Point Credit Union Money Market Rates
5Point Credit Union Checking Rates
5Point Credit Union Mortgage Rates
5Point Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: 5Point Credit Union
Website: https://www.5pointcu.org
Full Time Employees: 202Part Time Employees: 13 President: CEO: Erik Shaw Branch Locations: 8 ATM Locations: 14 Corporate Office Address:
3700 Skyline Dr
Nederland, TX 77627 8303 Phone Number: 800-825-8829 Fax Number: FinancialsTotal Assets:
1,079,542,695
Total Amount of Shares and Deposits:
967,248,398
Total Shares and Deposits < 1 Year:
899,226,732
Total Shares and Deposits 1 3 Years:
57,228,110
Total Shares and Deposits > 3 Years:
10,793,558
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
49,246,858
Total Uninsured Shares and Deposits > $250K (F+J):
49,246,858
Total Insured Shares and Deposits > $250K (item 17 less item K):
918,001,540
Total Interest Expense (Sum of items 6 8):
15,410,297
Share Certificates:
3,616
Number of Accounts for Share Drafts:
43,741
IRA KEOGH Accounts:
1,509
Number of Accounts for Regular Shares:
68,076
Non Member Deposits:
40
Money Market Shares:
2,355
Net Income (unless the amount is already included in Undivided Earnings):
5,292,482
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
53,556,116
Total Liabilities:
987,174,259
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About 5Point Credit UnionIs a member application needed to join 5Point Credit Union?Yes, to access services at 5Point Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, 5Point Credit Union provides a range of mortgage and home equity products. Is 5Point Credit Union a safe place to deposit money?Yes, 5Point Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does 5Point Credit Union offer online and mobile banking?Most modern institutions like 5Point Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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