Abandoned Accounts | If your account has had no activity in the last year and you have not contacted the credit union, your account becomes dormant. After three years of dormancy, your account becomes abandoned, and the funds in the account will be sent to the State Comptroller by June 25, 2024. Click here for more details.

Great rates come standard at 5Point.

The most important home we finance is yours. A mortgage from 5Point is built to make your home buying experience easy, so you can focus on enjoying the process as best you can.

We offer competitive rates because we want to be the ones you trust to take your life to the next level, whatever that may be. Transactions are a daily part of life. Transformations are something special. Let’s talk about how we can help you transform your life today.
 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed as low as
10 Years 6.00% $111.03
15 Years 6.00% $84.39
20 Years 6.25% $73.10
30 Years 6.50% $63.21

*APR= Annual Percentage Rate

Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. The payments do not include amounts for taxes and insurance premiums, if applicable, and that actual payments will be greater. Effective December 29, 2023

1st Lien
 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed
5 Years 5.75% $192.19
10 Years 5.75% $109.75
15 Years 6.00% $84.41
20 Years 6.25% $73.12
30 Years 6.50% $63.24
 
2nd Lien
 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed
5 Years 6.75% $196.86
10 Years 6.75% $114.85
15 Years 7.00% $89.91
20 Years 7.25% $79.07

*APR= Annual Percentage Rate

Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. The payments do not include amounts for taxes and insurance premiums, if applicable, and that actual payments will be greater. Effective November 6, 2023

Rate (APR*) Term Monthly Payment per $10,000.00 Borrowed as low as
(interest only with remaining accrued interest and principal due at maturity)
6.50% up to 12 months $53.42

*APR= Annual Percentage Rate

Due to a recent policy change, our construction term has been updated to 12 months. Effective March 31, 2022

Rate (APR*) Term Monthly Payment per $10,000 Borrowed as low as
5.50% up to 5 Years $191.03
6.00% up to 10 Years $111.04
6.25% up to 15 Years $85.77

*APR= Annual Percentage Rate

Effective November 21, 2023

SERVICE • COMMUNITY • ACCOUNTABILITY • TEAMWORK • LOYALTY