5Point Credit Union Rates and Review January 2026
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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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Compare 5Point Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of 5Point Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and Availability5Point Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or 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. Overall, 5Point Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
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  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonAcademic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
Inspire Mastercard
13.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonEducation (tuition bill required)
8.250%
$0
60
Personal Loan
11.000%
$0
1 - 12
Student Loan Consolidation
5.490%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have 5Point Credit Union rate data right now. 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 |
12-month CD rates can be found at 3.82%, 6-month CD rates at 1.05% and 3-month CD rates at 0.50%. Savings rates are at 0.10% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.22%. Credit Card rates are at 15.40%. Personal Loan rates are at 12.00%. All these rates, and more, can be found in our database of rates which you can compare to 
