Scheduled Maintenance | Online Banking will be down intermittently on Wednesday, December 8th from 8:00PM – 11:00PM for routine maintenance. We are sorry for any inconvenience this may cause.

Rates as low as 6.99% APR*

Need a loan? 5Point is on point with special rates on Signature and Debt Consolidation loans. Use for what you need most right now. Signature and debt consolidation loan rates are often lower than credit cards and can be a smart money move.

•  Get 90 Days No Pay 
•  And your choice of up to $400 Cash Back or 
•  A 5-day/4-night luxury cruise for two!

Cash Back Tier Levels                    
Loan Amount                                   
$10,000 – $19,999              $100
$20,000 – $29,999             $200
$30,000 – $39,999             $300
$40,000 +                               $400

*APR = Annual Percentage Rate. Offer of credit subject to credit approval. Interest accrues during 90-day no payment period. Minimum loan of $5,000 required for cruise certificate. Minimum loan of $10,000 required for cashback. New money only.  5-day/4-night cruise for two. Upgrades available at additional cost. Tax and port fees not included. Cruise must be registered with travel agent. Cruise must be completed within 18 months of loan signature date. For eligible loans, member may choose cruise certificate or cashback, but not both. Rates subject to change without notice. Rate displayed is the lowest available to qualified borrowers; your rate may be higher and will be determined by your credit history. If the loan amount is over $10,000 new money, the member can choose between cruise or cashback, but not both.  Must qualify for membership by living, working, worshiping, or attending school in Jefferson, Orange, Hardin, Jasper, or Newton counties or within the boundaries of Conroe or Magnolia ISD or within a 10-mile radius of our Spring or Conroe, TX location. Promotion valid thru 11/13/2021.