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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 $25.00
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 20, 2020

Money Market
Account Type
Amount Dividend
Rate(%)
APY*(%)
  $0.00-$1,999.99 0.20% 0.20%
Silver $2,000.00-$24,999.99 0.30% 0.30%
Gold $25,000.00-$49,999.99 0.45% 0.45%
Platinum $50,000.00 and Over 0.55% 0.55%

*APY= Annual Percentage Yield
Fees could reduce earnings on this account.
Effective June 24, 2020

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Type Dividend Rate (%) APY* (%) Minimum to Open for
IRA Share Certificate
Minimum to Open for
Share Certificate
91-Day
(Tier 1)
0.30 0.30 $1,000.00 $1,000.00
91-Day
(Tier 2)
0.40 0.40 $50,000.00 $50,000.00
91-Day
(Tier 3)
0.50 0.50 $99,000.00 $99,000.00
6-Month (Tier 1) 0.65 0.65 $1,000.00 $1,000.00
6-Month (Tier 2) 0.75 0.75 $50,000.00 $50,000.00
6-Month (Tier 3) 0.85 0.85 $99,000.00 $99,000.00
12-Month (Tier 1) 0.75 0.75 $1,000.00 $1,000.00
12-Month (Tier 2) 0.85 0.85 $50,000.00 $50,000.00
12-Month (Tier 3) 0.95 0.95 $99,000.00 $99,000.00
24-Month (Tier 1) 1.15 1.16 $1,000.00 $1,000.00
24-Month (Tier 2) 1.25 1.26 $50,000.00 $50,000.00
24-Month (Tier 3) 1.35 1.36 $99,000.00 $99,000.00
36-Month
(Tier 1)
1.25 1.26 $1,000.00 1,000.00
36-Month
​(Tier 2)
1.35 1.36 $50,000.00 $50,000.00
36-Month
​(Tier 3)
1.45 1.46 $99,000.00 $99,000.00
60-Month (Tier 1) 1.85 1.87 $1,000.00 $1,000.00
60-Month (Tier 2) 1.95 1.97 $50,000.00 $50,000.00
60-Month (Tier 3) 2.05 2.07 $99,000.00 $99,000.00

A penalty may be imposed for early withdrawals.
*APY= Annual Percentage Yield
Fees could reduce earnings on this account.
Effective July 20, 2020

Grade 48-Month APR* 60-Month APR* 72-Month APR* 78-Month APR* 84-Month APR* 96-Month APR* 120/180-Month APR*
A+ 3.25% 3.50% 3.75% 4.50% 5.25% 5.75% 6.25%
A 4.00% 4.25% 4.50% 5.25% 6.00% 6.50% 7.00%
B 5.75% 6.00% 6.25% 7.00% 7.75% 8.25% 8.75%
C 9.75% 10.00% 10.25% 10.50% 10.75% 11.25% 11.75%
D 12.75% 13.00% 13.25% 13.50% 13.75% 14.25% 14.75%
E 14.75% 15.00% 15.25% 15.50% 15.75% 16.25% 17.25%

*Terms are subject to collateral and loan amounts.
*APR= Annual Percentage Rate

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.

Additional rate discounts are available. 

Effective April 20, 2020

Paper Grade Platinum APR* Platinum Rewards APR* Signature APR*
A+ 8.75% 10.25% 12.25%
A 9.75% 11.25% 13.25%
B 11.5% 13% 15%
C 14.25% 15.75% 17.75%
D 16.75% 18% N/A
E 18% 18% N/A

*APR= Annual Percentage Rate
No Annual Fee, 25-Day Grace Period
Rate may change after the account is opened.
Effective January 22, 2020

Grade APR*
A+ 8.00%
A 10.00%
B 11.00%
C 13.00%
D 16.00%
E 18.00%

*APR= Annual Percentage Rate
Effective April 20, 2020

Grade 36-Month APR* 60-Month APR*
A+ 8.75% 9.25%
A 10.75% 11.25%
B 12.75% 13.25%
C 15.75% 16.25%
D 16.75% 17.25%
E 17.75% 17.75%

*APR= Annual Percentage Rate

Additional rate discounts are available. 

Effective April, 2020

Grade 36-Month APR* 60-Month APR*
A+ 8.75% 9.25%
A 10.75% 11.25%
B 12.75% 13.25%
C 15.75% 16.25%
D 16.75% 17.25%
E 17.75% 17.75%

*APR= Annual Percentage Rate

Additional rate discounts are available. 

Effective April 20, 2020

Paper Grade  10-Year APR* 15-Year APR* 20-Year APR* 30-Year APR*
A+ 3.00% 3.25% 3.50% 3.60%
A 3.00% 3.25% 3.50% 3.60%
B 4.00% 4.25% 4.50% 4.75%
C 4.50% 4.75% 5.00% 5.25%
D 5.50% 5.75% 6.00% 6.25%
E 7.00% 7.25% 7.50% 7.75%

*APR= Annual Percentage Rate
Effective April 20, 2020

1st Lien
Paper Grade 5-10 Year APR* 15 Year APR* 20 Year APR*
A+ 3.00% 3.25% 3.50%
A 3.00% 3.25% 3.50%
B 4.00% 4.25% 4.50%
C 4.50% 4.75% 5.00%
D 5.50% 5.75% 6.00%
E 7.00% 7.25% 7.50%
 
2nd Lien
Paper Grade 5 Year APR* 10 Year APR* 15 Year APR* 20 Year APR*
A+ 3.50% 3.75% 4.00% 4.25%
A 3.75% 4.00% 4.25% 4.50%
B 4.00% 4.25% 4.50% 4.75%
C 6.00% 6.25% 6.50% 6.75%
D 8.00% 8.25% 8.50% 8.75%
E 9.00% 9.00% 9.00% 9.00%
 

*APR= Annual Percentage Rate
Effective April 20, 2020

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
Discover/VISA Debit Card Reissue $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
Excessive Withdrawal for Savings/Money Market Accounts $15.00/Occurrence for Each Withdrawal in Excess of Six (6) per Calendar Month
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 $25.00 0.20 0.20
Business Money Market $0.00 - $1,999.99 0.20 0.20
  $2,000.00 - $24,999.99 0.30 0.30
  $25,000.00 - $49,999.99 0.45 0.45
  $50,000.00 and Greater 0.55 0.55

*APY= Annual Percentage Yield
Effective June 24, 2020

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Account Type Minimum Balance
Requirements
Term Prospective
Dividend Rate
APY (%)
Business Term Share
(fixed rates)
$1,000.00 91 Day 0.30% 0.30%
  $50,000.00 91 Day 0.40% 0.40%
  $99,000.00 91 Day 0.50% 0.50%
  $1,000.00 6 Month 0.65% 0.65%
  $50,000.00 6 Month 0.75% 0.75%
  $99,000.00 6 Month 0.85% 0.85%
  $1,000.00 12 Month 0.75% 0.75%
  $50,000.00 12 Month 0.85% 0.85%
  $99,000.00 12 Month 0.95% 0.95%
  $1,000.00 24 Month 1.15% 1.16%
  $50,000.00 24 Month 1.25% 1.26%
  $99,000.00 24 Month 1.35% 1.36%
  $1,000.00 36 Month 1.25% 1.26%
  $50,000.00 36 Month 1.35% 1.36%
  $99,000.00 36 Month 1.45% 1.46%
  $1,000.00 60 Month 1.85% 1.87%
  $50,000.00 60 Month 1.95% 1.97%
  $99,000.00 60 Month 2.05% 2.07%

A penalty may be imposed for early withdrawals.
*APY= Annual Percentage Yield
Fees could reduce earnings on this account.
Effective July 20, 2020

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 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