Debit and Credit Card Information | 5Point mails a new card the same month your current card expires. For example, if your card expires 07/22, a new card will arrive in July. If you have questions about your cards, please give us a call or chat with us.
Holiday Closing | We will be closed on Monday, July 4, in observance of Independence Day.
Important Debit and Credit Card Alert | Due to system maintenance, we will not be able to print instant- issue debit or credit cards on Friday, July 15th. If you're in need of a new card, please see us before July 15th. We apologize for any inconvenience.
Are you struggling to make ends meet each month? Are you using payday loans to get by? Approximately 12 million Americans use payday loans each year according to one statistic by
Always contact 5Point Credit Union before going to a payday lender. We want to help you meet your financial goals by offering low rates and flexible terms. Contact us today.

Here are a few things to consider before taking out a payday loan:

5Point Loan

  • Low Interest – Rates as low as 9.00%
  • Credit Reporting – All credit union loans are reported to all 3 major credit bureaus.
  • Flexible Terms – Up to 48 month terms are available.
  • Easy Process – Most loans can be submitted and have a decision made within a few minutes.
  • Local Decisions – Decisions made locally by lenders who you know and trust to do what is right for you.

Payday Loan

  • High Interest - The interest on payday loans can range between 300% and 900%.
  • Credit Reporting - This type of loan doesn’t help your credit score, even if you pay it on time.
  • Vicious cycle - Consumers who cannot afford to repay previous loans in full on due date, end up extending their loans. This results in additional fees added on top of the original amount borrowed.
  • Deception by lenders - Payday loan companies can be deceptive in the information they disclose because of limited regulations.

Apply for a 5Point loan here.