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 23, 2023. Click here for more details.
FRAUD REMINDER TO OUR MEMBERS | 5Point will NEVER call and ask for your online banking login information. Do not provide account login or card information over the phone. If you’re suspicious during a call, hang up and call the credit union directly at 1.800.825.8829 or visit your nearest branch.
Holiday Closing | We will be closed on Friday, April 7th, and Saturday, April 8th, in observance of Easter. 
Age Requirements None None 50 + None
Minimum Balance None $350 Average Balance None $5,000 Average Balance
4 Free Boxes of Checks Per Year    
Free Cashier’s Checks    
Discount on Safety Deposit Boxes
(availability varies by branch)
Monthly Service Fees None $5 if Under Balance Requirement None $12 if Under Balance Requirement
Overdraft Protection 
Courtesy Pay (once qualified– after 60 days of membership)
Free Online Banking & Bill Pay
5Point App
Access to Your Account at 5,000+ Participating Co-op Locations
PopMoney (once qualified)
Mobile Deposit (once qualified)
Free Transactions at AllPoint & Cardtronics ATMs
Same Day Visa® Debit Cards
This account doesn’t require you to carry a minimum balance, so there’s never a service charge. Free=absolutely free.
This account pays you – every day, your dividends are calculated, and that amount is paid into your account quarterly. As long as you keep an average daily balance above $350, you’ll never pay a service charge.
If you’re over the age of 50, you qualify for this dividend-earning account that has no minimum balance requirement. It features free personalized checks and discounts on safety deposit boxes, as well as cashier’s checks at no charge. You’ve earned these perks. Enjoy them!
This account features an accelerated account dividend rate – that means your dividends will add up faster. As long as you maintain an average daily balance of $5,000, no service fees are applied. It features free personalized checks and discounts on safety deposit boxes, as well as cashier’s checks at no charge.
All of our accounts feature 5Point Visa® debit cards, and all active accounts qualify you for discounts on select loans. You'll also have access to free Home Banking, Bill Payer, Mobile Banking, and SMS Text Banking. Plus:
  • You can re-order checks online.
  • You’ll enjoy Overdraft Protection* via a savings account or Line of Credit loan, which you can get by completing this application.
  • You can rely on Courtesy Pay to provide coverage when other overdraft protections have been exhausted. Although you’ll pay the overdraft fee for each transaction, checks covered by Courtesy Pay won’t be returned to the merchant. Contact us to opt in.

Don’t see an option that’s right for you? Please, reach out to us. We’re happy to talk through the different account types and answer any questions.

*There may be related fees for services associated with these accounts.

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