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. 

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.
Type Dividend Rate (%) APY* (%) Minimum to Open
Share Savings 0.20 0.20 $5.00
IRA Savings 0.20 0.20 $100.00
Plus Share Draft (Checking) 0.10 0.10 None
50+ Share Draft (Checking) 0.10 0.10 None
Rewards Share Draft (Checking) 0.15 0.15 None

*APY= Annual Percentage Yield

Fees could reduce earnings on this account. Dividends do not apply to Absolutely Free Checking Accounts. Effective July 1, 2021

Amount Dividend
Rate(%)		 APY*(%)
$0.00-$1,999.99 0.20% 0.20%
$2,000.00-$24,999.99 0.40% 0.40%
$25,000.00-$49,999.99 0.50% 0.50%
$50,000.00 and Over 0.60% 0.60%

*APY= Annual Percentage Yield

Fees could reduce earnings on this account. Effective September 1, 2022

Swipe left on your device to view full table.

Type Dividend Rate (%) APY* (%) Minimum to Open for
IRA Share Certificate		 Minimum to Open for
Share Certificate
91-Day
(Tier 1)		 0.99 1.00 $1,000.00 $1,000.00
91-Day
(Tier 2)		 1.09 1.10 $50,000.00 $50,000.00
91-Day
(Tier 3)		 1.19 1.20 $99,000.00 $99,000.00
6-Month (Tier 1) 1.74 1.76 $1,000.00 $1,000.00
6-Month (Tier 2) 1.84 1.86 $50,000.00 $50,000.00
6-Month (Tier 3) 1.94 1.96 $99,000.00 $99,000.00
12-Month (Tier 1) 2.50 2.53 $1,000.00 $1,000.00
12-Month (Tier 2) 2.60 2.63 $50,000.00 $50,000.00
12-Month (Tier 3) 2.70 2.74 $99,000.00 $99,000.00
24-Month (Tier 1) 2.74 2.78 $1,000.00 $1,000.00
24-Month (Tier 2) 2.84 2.88 $50,000.00 $50,000.00
24-Month (Tier 3) 2.94 2.98 $99,000.00 $99,000.00
36-Month
(Tier 1)		 3.25 3.30 $1,000.00 $1,000.00
36-Month
​(Tier 2)		 3.35 3.41 $50,000.00 $50,000.00
36-Month
​(Tier 3)		 3.45 3.51 $99,000.00 $99,000.00
60-Month (Tier 1) 3.49 3.55 $1,000.00 $1,000.00
60-Month (Tier 2) 3.59 3.66 $50,000.00 $50,000.00
60-Month (Tier 3) 3.69 3.76 $99,000.00 $99,000.00

*APY= Annual Percentage Yield

A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account. Effective November 23, 2022

Month Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 3.75% - 15.50% $29.42 - $34.92
48 3.75% - 16.00% $22.47 - $28.35
60 4.00% - 16.25% $18.42 - $24.46
72 4.25% - 16.50% $15.76 - $21.98
78 4.75% - 16.50% $14.93 - $20.99
84 5.25% - 17.00% $14.26 - $20.44

*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 December 12, 2022

apply now

Month Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 3.75% - 15.50% $29.42 - $34.92
48 3.75% - 16.00% $22.47 - $28.35
60 4.00% - 16.25% $18.42 - $24.46
72 4.25% - 16.50% $15.76 - $21.98
78 4.75% - 16.50% $14.93 - $20.99
84 5.25% - 17.00% $14.26 - $20.44
96 6.75% - 17.00% $13.52 - $19.13
120 7.50% - 17.00% $11.88 - $17.39
180 7.50% - 17.00% $9.28 - $15.40

*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 December 12, 2022

apply now

Platinum Rate (APR*) Platinum Rewards Rate (APR*) Signature Rate (APR*)
11.50% - 18.00% 13.00% - 18.00% 15.00% - 17.75%

*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 January 1, 2023.

apply now

Rate (APR*)
8.00% - 18.00%

*APR= Annual Percentage Rate

Credit is subject to credit approval. Membership required. Effective March 10, 2021

apply now

Months Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 11.00% - 18.00% $32.75 - $36.16
48 11.00% - 18.00% $25.85- $29.39
60 11.00% - 18.00% $21.75 - $25.40
72 11.00% - 18.00% $19.04 - $22.82
 

*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 December 12, 2022

apply now

Months Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 11.00% - 18.00% $32.75 - $36.16
48 11.00% - 18.00% $25.85 - $29.39
60 11.00% - 18.00% $21.75 - $25.40
72 11.00% - 18.00% $19.04 - $22.82
 

*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 December 12, 2022

apply now

 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed as low as
10 Years 5.25% $107.30
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 February 1, 2023

Rate (APR*) Term Monthly Payment per $10,000 Borrowed as low as
4.75% up to 5 Years $187.59
5.25% up to 10 Years $107.32
5.50% up to 15 Years $81.73

*APR= Annual Percentage Rate

Effective March 31, 2022

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

Service Fee
Inquiry/ATM Cash Withdrawal from Account(s) No Transaction Fee at 5Point ATMs;
$2.00 (at non 5Point ATMs)
Transfer Funds from Account(s) to Another Account at ATM No Transaction Fee at 5Point ATMs;
$2.00 (at non 5Point ATMs) 
Counter Check $5.00 per 12
Cashier's Check $5.00
Overdraft Protection Automatic Transfer $5.00 per Transfer
Nonsufficient Funds Item (each) $30.00
Account Activity Printout $3.00
Account Research $20.00 per Hour ($20 minimum charge)
Account Balancing Assistance $20.00 per Hour ($20 minimum charge)
Stop payments (all items) $25.00
Outgoing domestic wire transfer $20.00 per Wire
Copy of Check
(Free electronic copies available within home banking)		 $2.00 (2 free per month)
Tax Information
(Free electronic copies available within home banking)		 $3.00
Copy of a Statement
(Free electronic copies available within home banking)		 $5.00
Return Statement for Incorrect Addresses $5.00 per Statement
Debit/Credit Card Replacement $10.00
Collection Item Domestic: $20.00 per Item
Photocopies $0.25 Each
Home Banking FREE
Bill Payer FREE
Mobile Banking FREE
SMS Banking FREE
NSF/Overdraft/Return Item/Uncollected Funds $30.00
ATM/Debit Card Overdraft $30.00
ACH NSF/Overdraft/Return Item/Uncollected Funds $30.00
Pop Money NSF/Return Item/Uncollected Funds $25.00 per Item (in addition to credit union $30.00 uncollected funds fee)
Overdraft $30.00
Pop Money Next Day Withdrawal/Transfer $3.00 per Transfer
Pop Money Request Money $0.50 per Request
Pre-Auth EFT Nonsufficient Funds Item $30.00
Post Dated Item $25.00
Deposited Item Return $10.00 per Item
Shared Branch Deposited Item Return $15.00 in Addition to the Credit Union's $10.00 per Item
Account Closure $25.00/ Primary Account if Closed within 6 Months
Home Banking/Electronic PC NSF Fee: $25.00 (in addition to credit union $30.00 NSF fee)
Stop Payment Fee: $25.00
CD Payment History Order $25.00
Change Order Fee $2.50 per Order
Legal Fees (includes levies, writs & garnishments) $50.00 plus Cost per Request
Returned Deposited Item from Member  $20.00

Effective May 11, 2020

Type Minimum to Open/ Minimum to Earn Stated APY* Prospective Dividend Rate (%) APY (%)
Business Savings $5.00 0.20 0.20
Business Money Market $0.00 - $1,999.99 0.20 0.20
  $2,000.00 - $24,999.99 0.40 0.40
  $25,000.00 - $49,999.99 0.50 0.50
  $50,000.00 and Greater 0.60 0.60

*APY= Annual Percentage Yield

Effective September 1, 2022

Swipe left on your device to view full table.

Account Type Minimum Balance
Requirements		 Term Prospective
Dividend Rate		 APY (%)
Business Term Share
(fixed rates)		 $1,000.00 91 Day 0.99% 1.00%
  $50,000.00 91 Day 1.09% 1.10%
  $99,000.00 91 Day 1.19% 1.20%
  $1,000.00 6 Month 1.74% 1.76%
  $50,000.00 6 Month 1.84% 1.86%
  $99,000.00 6 Month 1.94% 1.96%
  $1,000.00 12 Month 2.50% 2.53%
  $50,000.00 12 Month 2.60% 2.63%
  $99,000.00 12 Month 2.70% 2.74%
  $1,000.00 24 Month 2.74% 2.78%
  $50,000.00 24 Month 2.84% 2.88%
  $99,000.00 24 Month 2.94% 2.98%
  $1,000.00 36 Month 3.25% 3.30%
  $50,000.00 36 Month 3.35% 3.41%
  $99,000.00 36 Month 3.45% 3.51%
  $1,000.00 60 Month 3.49% 3.55%
  $50,000.00 60 Month 3.59% 3.66%
  $99,000.00 60 Month 3.69% 3.76%

*APY= Annual Percentage Yield

A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account. Effective November 23, 2022

Service Fee
Account Closure - Savings (if closed within 6 months) $25.00/Account Closed
Account Activity Printout $3.00/Printout
Account Reconciliation ($20.00 minimum) $20.00/Hour
Account Research ($20.00 minimum) $20.00/Hour
Automatic Transfer $5.00/Transfer
Cashier Check $5.00/Check
Cash Deposited (Free, Basic, and Small Business Checking) No Charge for 1st $5,000/Month ($1.50/additional $1,000)
Change Order Fee $2.50/Order
Counter Check $5.00/12 Checks
Debit Card/Credit Card Replacement $10.00/Card
Excessive Withdrawal Fee for Business Savings & Money Market Accounts (for each check, draft, or debit card withdrawal in excess of 6 per calendar month) $15.00/Occurrence
Item Sent for Collection $20.00/Item
Investment Sweep $5.00/Month
Line of Credit Sweep $5.00/Month
NSF (share draft, ACH, pre authorized EFT) $30.00/Item
Nonproprietary ATM/Debit Card Withdrawal, Transfer, Inquiry $2.00/Item
Outgoing Wire Transfer (domestic) $20.00/Transfer
Overdraft (share draft, ACH, ATM/debit card) $30.00/Item
Photocopy $0.25/Copy
Photocopy of Check (2 free per month) $2.00/Request
Returned Deposited Item $10.00/Item
Returned Deposited Item (shared branch) $15.00/Item in Addition to the Credit Union $10.00 Fee
Returned Item (share draft, ACH) $30.00/Item
Returned Statement $5.00/Statement
Statement Copy $5.00/Copy
Stop Payment $25.00/Item
Uncollected Funds $30.00/Item
ZBA Lead $5.00/Month
ZBA (non-lead) $5.00/Month
Returned Deposited Item from Member $20.00

Business Home Banking
Non-Sufficient Funds (in addition to CU NSF $30.00 fee) $25.00/Item
Stop Payment $25.00/Request
CD Payment History Order $25.00/Request

Night Depository Fees
Lock Bag $25.00 Each
Key Replacement for Lock Bag $5.00 Each
Key Replacement for Night Depository $5.00 Each

Minimum Balance Fees
Basic Business Checking $10.00/Month
Small Business Checking $15.00/Month

Transaction Fees
Free Business Checking (1st 50 transactions free each month) $0.25/Transaction
Basic Business Checking (1st 250 transactions free each month) $0.25/Transaction
Small Business Checking (1st 500 transactions free each month) $0.25/Transaction

Minimum Balance Requirement to Avoid a Fee
Basic Business Checking $2,000.00
Small Business Checking $5,000.00

Transaction Limitations
Business Term Share Additional Deposits Not Allowed
Business Term Share Withdrawal Penalty for all Principle Funds Withdrawn before Maturity
Business Share/Money Market See Section 7B Transfer Limitations in the Business Membership and Account Agreement

Term Share Early Withdrawal - Penalty Schedule
Terms of 12 Months or Less 30 Days' Dividends
Terms of Greater than 12 to 24 Months 180 Days' Dividends
Terms of Greater than 24 Months 360 Days' Dividends

Effective May 11, 2020

SERVICE • COMMUNITY • ACCOUNTABILITY • TEAMWORK • LOYALTY