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.
COVID-19 Update |  All lobbies are open with limited capacity. Click here for more information.
IMPORTANT:  To access your account through 5Point's home banking site, you must start the enrollment process by visiting our home page. Select "Not enrolled? Sign up now" under the home banking sign-in box and then follow the prompts. You will need to select a new username and a new password for your 5Point account.  

We are excited to have you join the 5Point family and the opportunity to serve your personal financial needs.
We believe in making transformations, not just transactions, and are here to help move your life forward. To make
this transition easier, we’ve put together a list of tips and some of the most frequently asked questions. If you have
additional questions, concerns or need for assistance, please reach out to us.
We look forward to being part of the next steps in your life’s journey. Welcome to 5Point. 
Didn't receive your welcome packet?  Click here to view it online.


  • All account numbers will become a 10-digit number, starting with an 8, followed by zeros and ending with your current account number. For example, if you have a one digit account number, your number becomes 800000000x. If you have a four digit account number, your number becomes 800000xxxx, where the x’s represent your current account number.
  • Please make all future payments payable to 5Point Credit Union and mail to:
5Point Credit Union
PO Box 1366
Nederland, TX 77627
  • To download or print a Direct Deposit for Checking Account form, please click here.
  • To download or print a Direct Deposit for Savings Account form, please click here.

  • Your existing SETXEFCU checks will clear through December 31, 2019.  If you contact us by October 31, 2019, we will order you a FREE box of 5Point CU checks with the new routing number and account information.

  • ATM cards are no longer available.  If you use an ATM card, you'll need to open a checking account to receive a debit card.
  • New Visa® Debit Cards will be available beginning July 2, 2019.  Come to any location for an instantly issued debit card or call us to order one and we'll send it by mail.  You must have a new card to begin using on August 1, as your current SETXEFCU card will cease to work on July 31.  

  • You will need to apply for a new 5Point Visa credit card at your earliest convenience .  Your SETXEFCU credit card will stop working on August 15th, and no new transactions will process after that date.  Please apply online, call us or come by soon so that there is no interruption in your credit card service.
  • SETXEFCU checking account designators were 50, 51, 52, and 53.  5Point uses 9, 10, 11, and 12 to designate separate checking accounts.  See chart below:
50 at SETXEFCU becomes 9 at 5Point
51 at SETXEFCU becomes 10 at 5Point
52 at SETXEFCU becomes 11 at 5Point
53 at SETXEFCU becomes 12 at 5Point


  1. Visit our home page
  2. Select "Not enrolled? Sign up now" under the home banking sign in form.
  1. Login to home banking.
  2. Select "Additional Services" in the menu, and select "E-Statements/Notices" from the drop down menu.
  3. Read the disclosure, check the "Yes, I agree" box, and select "Submit."

  1. Visit the App Store or Google Play on your device. 
  2. Search for "5Point Credit Union" and install.
  1. Log in to home banking.
  2. Select "My Settings."
  3. Scroll down to the bottom of the page, and select "Alerts & Notifications."
  4. Select "Start text banking now" on the right side of your screen.
  5. Follow the prompts, and select "Done." 
  1. Log into home banking.
  2. Select "My Settings."
  3. Scroll down to the bottom of the page, and select "Alerts & Notifications."
  4. Provide the email & phone #(s) to which you'd like to receive alerts, and customize the preset alerts provided.  You can also add your own alert by selecting "Add an alert."
  5. To edit an alert, hover over the alert, select "More options," make desired changes, and select "Save."  To remove an alert, hover over the alert, and select "Remove."

You can make deposits with your mobile device once your account has been open for at least 60 days.  Click here for details.


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.

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.

All savings accounts will have a suffix of 0 at 5Point Credit Union.
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. 
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.
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.
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.
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.