Our deepest loan rate discount ever! 

Thinking of planning a trip in the new year? Upgrading your home? Maybe you just need to take care of some unforeseen expenses life has thrown your way? Whatever your situation, a personal, signature, or debt consolidation loan is a great way to get the cash you need.

Best of all, now through March 31, 2022, we’re offering a remarkable
3% Loan Rate Discount on all personal, signature, and debt consolidation loans.

Our lowest rate discount ever is great for:
Debt consolidation
Emergency medical bills
Unexpected auto repairs
Other emergency expenses
Home improvements
Landscape projects
Family vacations
New baby or adoption expenses

Not only that – one lucky person will win up to $10,000 in debt relief! 

That’s right, get a personal, signature, or debt consolidation loan today and you could win
up to ten grand to help pay off your debts.
This is one opportunity you can’t afford to miss!
• Start the new year on a high note with our lowest ever loan rate discount
• Enjoy 3% discount on any personal, signature, or debt consolidation loan
• Be automatically entered into up to $10,000 debt relief drawing
Apply online, call 800.825.8829, or stop by one of our branches today!

*3% rate discount; no other discounts apply. Offer of credit is subject to credit approval. Valid only on new personal and signature loans. Membership required. Sweepstakes open to adults 18 years of age or older at time of entry. Offer valid 1/17/22 – 3/31/22.

Official Rules and Qualifications

  • ELIGIBILITY: No purchase, account opening, or loan necessary to enter. Entrants must be legal U.S. residents and 18 years of age or older at time of entry. Prize is non-transferable. Employees of 5Point Credit Union (the "Sponsor"), their respective affiliates, subsidiaries, advertising and promotion agencies, suppliers, and their immediate family members and/or those living in the same household of each are not eligible to participate in the promotion. The promotion is subject to all applicable federal, state, and local laws and regulations and is void where prohibited by law.
  • PROMOTIONAL PERIOD: The 5Point Credit Union Great Loan Rate Markdown promotion runs from January 17 through March 31, 2022.
  • ENTRY:  During the promotion period, eligible members will be automatically entered in the promotion drawing to win a grand prize of up $10,000 or the lesser amount of their debt. Every eligible loan will receive one entry into the drawing. To enter the drawing without securing loan financing from Sponsor, clearly print name, address, telephone number, and the words "5Point – Great Loan Rate Markdown" on a 3" x 5" card and mail the card to:  5Point Great Loan Rate Markdown, 5Point Credit Union, P.O. Box 1366, Nederland, TX  77627. Entries must be mailed in order to be received at Sponsor by April 1, 2022. Sponsor is not responsible for misdirected, damaged, illegible, postage-due, or incomplete entries not received by the deadline. Entries by entry card and automatically generated entries have equal chances of winning. Limit one mail-in entry per person.  
  • GENERAL CONDITIONS: By participating, you agree to be fully unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements set forth herein. Decisions made by Sponsor are final. By entering the giveaway, you agree to be bound by the decisions of Sponsor and these official rules. You and your entries may be disqualified if you attempt to circumvent these official rules. The promotion is subject to all applicable federal, state, and local laws. Winners who are of legal age of majority, by entering the drawing, agree to grant to Sponsor, the right to print, publish, broadcast, and use, in any media including, but not limited to, the World Wide Web, at any time or times, their names and pictures for Sponsor's advertising and promotional purposes without additional consideration. Further, by accepting the prize, winners agree to release Sponsor from any and all liability arising from acceptance, possession, use, loss, or misuse of the prize.
  • DRAWING: Eligible entries automatically generated or received by mail will be eligible for a chance to win up to $10,000 worth of debt paid off at the end of the promotion period. Winner must provide proof of debt, and payoffs will be sent directly to the source of debt. Funds will not be delivered directly to the winner. Maximum loan payoff is $10,000. If the winner's existing debt is less than $10,000, only the current existing debt will be paid off. Excludes mortgages, credit cards, lines of credit, and business loans.
  • PRIZES/ODDS: Odds of winning depend on the total number of entries received by 5:00 p.m. CST on March 31, 2022. Need not be present to win. Prize winner is responsible for any and all applicable federal income taxes associated with the awarding of the prizes. Sponsor is required to file a 1099‑MISC tax form in the winner's name for the value of the prize.
  • WINNER NOTIFICATION: Winner will be notified by telephone and/or e-mail and will be required to complete, sign and return an Affidavit of Eligibility/Liability Release/Publicity Release within 14 days of being informed they are the winner. Failure to do so will result in forfeiture of the prize, and a new winner will be selected by random drawing from all eligible entries. Illegible registration forms will not be considered. Sponsor shall have no liability for a winner's failure to receive notices due to winner's spam, junk e-mail, or other security settings or for winners' provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 14 days from the time award notification was sent, or fails to timely return a completed and executed declaration and releases as required, prize may be forfeited, and an alternate winner selected.
  • PUBLICITY: Winner agrees to permit Sponsor to utilize their name and likeness in promotional and other Sponsor materials, without additional compensation or permission, except where prohibited by law. The winner's name will be available at all Sponsor branches.
  • LIMITATIONS OF LIABILITY:  Sponsor is not responsible for any injury, loss, or damage of any kind resulting from participation in this contest or acceptance, possession, loss, or use of the Prize. Sponsor is not responsible for any applications received after the promotional period. Winner is responsible for any taxes. Subject to certain exceptions, the cash value of the Prize must be included on your tax return as taxable income. Please consult your tax advisor. The promotion and drawing are governed by these Official Rules and the laws of the State of Texas. Any dispute regarding the drawing shall be resolved only in a state or federal court location in or near Nederland, Texas.

For the winner's name, send a stamped, self-addressed envelope to:
Great Loan Rate Markdown Winner
5Point Credit Union, Marketing Department
P.O. Box 1366, Nederland, Texas 77627

Requests for the winner's name must be received by May 15, 2022
Loans are subject to standard 5Point Credit Union credit granting criteria.