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 Monday, June 19th, in observance of Juneteenth. 

Great rates come standard at 5Point.

When you’ve decided to take out a loan, it’s usually because it’s time to change something in your life. Maybe you’re expanding your family, or you’re considering buying a new house. Maybe it’s finally time to take that dream vacation. Being there to support and serve you as you’re making those changes is the reason 5Point exists.
 
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.

Are you looking for Deposit Account rates? Click here!
Month Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 5.00% - 16.50% $29.22 - $34.67
48 5.00% - 16.50% $22.61 - $34.67
60 5.25% - 16.75% $18.72 - $24.47
72 5.50% - 17.00% $16.15 - $22.08
78 6.00% - 17.00% $15.36 - $21.13
84 6.50% - 17.00% $14.72 - $20.32

*APR = Annual Percentage Rate. 

Lowest rate, including 1% discount available. Terms are subject to collateral and loan amounts. Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. All loan rates are subject to change without prior notice. Credit is subject to credit approval. Membership required. Effective June 5, 2023

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Month Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 5.00% - 16.50% $29.22 - $34.67
48 5.00% - 16.50% $22.61 - $34.67
60 5.25% - 16.75% $18.72 - $24.47
72 5.50% - 17.00% $16.15 - $22.08
78 6.00% - 17.00% $15.36 - $21.13
84 6.50% - 17.00% $14.72 - $20.32
96 7.75% - 17.00% $13.91 - $19.04
120 8.50% - 18.00% $12.34 - $17.33
180 8.50% - 18.00% $9.83 - $15.38

*APR = Annual Percentage Rate. 

Lowest rate, including 1% discount available. Terms are subject to collateral and loan amounts. Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. All loan rates are subject to change without prior notice. Credit is subject to credit approval. Membership required. Effective June 5, 2023

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Platinum Rate (APR*) Platinum Rewards Rate (APR*) Signature Rate (APR*)
12.00% - 18.00% 13.50% - 18.00% 15.50% - 18.00%

*APR= Annual Percentage Rate

No Annual Fee, 25-Day Grace Period. Rate may change after the account is opened. Credit is subject to credit approval. Membership required. Effective April 1, 2023.

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Rate (APR*)
10.50% - 18.00%

*APR= Annual Percentage Rate

Credit is subject to credit approval. Membership required. Effective April 25, 2023

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Months Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 10.50% - 17.00% $31.76 - $35.66
48 10.50% - 17.00% $25.19- $28.86
60 10.50% - 17.00% $21.23 - $24.86
72 10.50% - 17.00% $18.60 - $22.25
 

*APR= Annual Percentage Rate

Lowest rate, including discounts available. Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. All loan rates are subject to change without prior notice. Credit is subject to credit approval. Membership required. Effective June 5, 2023

apply now

Months Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 10.50% - 17.00% $31.76 - $35.66
48 10.50% - 17.00% $25.19 - $28.86
60 10.50% - 17.00% $21.23 - $24.86
72 10.50% - 17.00% $18.60 - $22.25
 

*APR= Annual Percentage Rate

Lowest rate, including discounts available. Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. All loan rates are subject to change without prior notice. Credit is subject to credit approval. Membership required. Effective June 5, 2023

apply now

 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed as low as
10 Years 5.50% $108.53
15 Years 5.75% $83.05
20 Years 6.00% $71.65
30 Years 6.25% $61.58

*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 May 24, 2023

Rate (APR*) Term Monthly Payment per $10,000 Borrowed as low as
5.25% up to 5 Years $189.91
5.75% up to 10 Years $109.81
6.00% up to 15 Years $84.43

*APR= Annual Percentage Rate

Effective May 24, 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 9 months $53.42

*APR= Annual Percentage Rate

Effective March 31, 2022

1st Lien
 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed
5 Years 5.25% $189.86
10 Years 5.25% $107.31
15 Years 5.50% $81.73
20 Years 5.75% $70.23
30 Years 6.00% $59.98
 
2nd Lien
 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed
5 Years 6.25% $194.50
10 Years 6.25% $112.30
15 Years 6.50% $87.13
20 Years 6.75% $76.06

*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 January 11, 2023

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