Credit Card System Upgrade | We are currently not receiving payments made to 5Point credit cards through online bill pay systems. Please click here for acceptable ways to make payments on your 5Point credit card.
June 25, 2019 5Point Credit Union Welcome Kit mailed to SETXEFCU members.
June 28, 2019 SETXEFCU closes early at 3:00 p.m.
July 1, 2019 Orange location (old SETXEFCU) closed for merger.
July 2, 2019 SETXEFCU opens as 5Point Credit Union.
A1
No. Your PIN will not change. Your PIN will be sent to you in a separate mailer to protect your account against unauthorized access. Note that your PIN is linked to your new card. If you wish to change your PIN, a new card must be issued with a new card number. There is a nominal $10 fee to process. 
A2
5Point Credit Union Visa Debit Cards now feature built-in chip technology. You'll enjoy global acceptance plus an enhanced level of security.

Southeast Texas Employees Federal Credit Union is merging with 5Point Credit Union to provide members with access to even greater service, more convenience and new financial products.  SETXEFCU opens July 2, 2019 as 5Point Credit Union.

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
A3
All savings accounts will have a suffix of 0 at 5Point Credit Union.
A4
You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.
Yes.  Your deposits will continue to be insured up to the limit of $250,000 established by the NCUA.  IRA deposits are insured up to a separate $250,000 limit. 
Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.
We will be updating your account to match an account type at 5Point Credit Union with similar features. If you
are over 50 years of age, we’re moving your account into our 50+ checking account. All others will move into our
Absolutely Free Checking option. Review the Checking Account Options sheet to compare all of 5Point’s checking account types. If you would prefer another type of account, simply stop by the 5Point Credit Union nearest you or give us a call at 1.800.825.8829. We’ll be happy to assist.
A5
Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.
Interest rates currently in effect for your CDs and IRAs will not change until renewal. At that time, the rates may
be adjusted, as they have in the past, to reflect current market conditions.
Yes, your checking account links to your savings account for our overdraft protection option. In the event of an
overdraft in your checking account, available funds will be transferred from your savings to cover the overdraft in
your checking account. A nominal transfer fee of $5.00 will charge to your account each time funds transfer.
No. There are no additional fees to use a chip card.
Yes, if your account has been open for 60 days and is in good standing, you will receive standard courtesy pay.
Our standard courtesy pay service covers overdrafts on checks and other transactions made using your checking
account number and automatic bill payments. The Courtesy Pay limit is $500.00. There is a nominal fee of
$30.00 assessed per transaction paid using the Courtesy Pay service. Please click here for additional information.
If you prefer not to keep the service, you may opt-out by calling 1.800.825.8829 or writing to us at P.O. Box 1366, Nederland, TX 77627.
No, your Discover® Money Back Rewards will remain the same.
Yes. You’ll need to set up Bill Pay through 5Point’s home banking system. Any recurring, scheduled payments
through SETXEFCU will not process beginning June 26, 2019. See the Electronic Services sheet for step-by-step instructions on setting up your home banking username and password.  For helpful demos, click here.
Your SETXEFCU transaction history will no longer be visible in online banking. If you need any transaction
history, simply give us a call and we can research the information you need.
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