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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 5Point Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 24, 2026
5Point Credit Union's 12 Month Business CD rates are at 4.34%, IRA CDs and CDs 12-Month (Tier 3) rates are at 4.34%, 12 Month Business CD rates are at 4.24%, IRA CDs and CDs 12-Month (Tier 2) rates are at 4.24%, 6 Month Business CD rates are at 4.20%. 5Point Credit Union's savings rates are at 0.20%. 5Point Credit Union's money market rates are at 0.20%. MonitorBankRates evaluates the financial stability of 5Point Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.33%. Rates were last updated on 03/24/2026. 5Point Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 5Point Credit Union? Share your experience about 5Point Credit Union by leaving a review below, or read customer reviews before you decide to use 5Point Credit Union. 5Point Credit Union
FivePoint Credit Union 3700 Skyline Dr
https://www.5pointcu.org Nederland, TX 77627 8303 
5Point Credit Union CD Rates
5Point Credit Union Savings Rates
5Point Credit Union Money Market Rates
5Point Credit Union Checking Rates
5Point Credit Union Mortgage Rates
5Point Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 5Point Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather 5Point Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 5Point Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
5Point Credit Union
Website
https://www.5pointcu.org
Address
3700 Skyline Dr,
Nederland, TX 77627 8303
Phone
800-825-8829
Fax
President
CEO
Erik Shaw
Full-Time Employees
202
Part-Time Employees
13
Branch Locations
8
ATM Locations
14
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.33%
Return on Assets (ROA)
0.4903%
Return on Equity (ROE)
5.4443%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
1,079,542,695
Total Amount of Shares and Deposits
967,248,398
Total Shares and Deposits < 1 Year
899,226,732
Total Shares and Deposits 1 3 Years
57,228,110
Total Shares and Deposits > 3 Years
10,793,558
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
49,246,858
Total Uninsured Shares and Deposits > $250K (F+J)
49,246,858
Total Insured Shares and Deposits > $250K (item 17 less item K)
918,001,540
Total Interest Expense (Sum of items 6 8)
15,410,297
Share Certificates
3,616
Number of Accounts for Share Drafts
43,741
IRA KEOGH Accounts
1,509
Number of Accounts for Regular Shares
68,076
Non Member Deposits
40
Money Market Shares
2,355
Net Income (unless the amount is already included in Undivided Earnings)
5,292,482
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
53,556,116
Total Liabilities
987,174,259
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About 5Point Credit UnionIs 5Point Credit Union a safe place to deposit money?Yes, 5Point Credit Union is considered a safe financial institution. With a Texas Ratio of 6.3336277724123%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does 5Point Credit Union operate?5Point Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join 5Point Credit Union?Yes, to access services at 5Point Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, 5Point Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, 5Point Credit Union provides members with tools to manage their accounts and build a solid financial history. Does 5Point Credit Union offer online and mobile banking?Most modern institutions like 5Point Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.5pointcu.org. Current 5Point Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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