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5Point Credit Union

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5Point Credit Union Rates & Review October 2026

Q: What are the current interest rates at 5Point Credit Union?

Current rates for 5Point Credit Union include: 12-Month CD: 4.04%, 24-Month CD: 3.40%, 60-Month CD: 3.55%, Savings: 3.00%, MMA: 1.25%

Q: What CD terms does 5Point Credit Union offer?

The 5Point Credit Union CD terms we track include 6 month, 12 month, 2 year and 5 year terms, with rates from 4.09% to 4.34% APY. The institution may offer other terms or specials that are not listed here, so check with 5Point Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 19, 2026

5Point Credit Union's 12 Month Business CD rates are at 4.34%, 12 Month IRA CD rates are at 4.24%, 12 Month CD rates are at 4.24%, 6 Month Business CD rates are at 4.20%, 6 Month IRA CD rates are at 4.09%. 5Point Credit Union's savings rates are at 3.00%. 5Point Credit Union's money market rates are at 1.25%. 5Point Credit Union's checking rates are as high as 6.00%. 5Point Credit Union's Mortgage - 10 Years rates are at 5.50%, Mortgage - 15 Years rates are at 5.50%, Mortgage - 20 Years rates are at 5.75%, Mortgage - 30 Years rates are at 6.00%. 5Point Credit Union's Personal Loan Rates are as low as 9.75%. 5Point Credit Union's Credit Card Rates are at 11.00%. 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 6.35%. Rates last updated and verified on 10/19/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.35%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

5Point Credit Union
FivePoint Credit Union

3700 Skyline Dr
Nederland, TX 77642

https://www.5pointcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

5Point Credit Union CD Rates

Product	Rate	APY	Term
12 Month IRA Share Certificate	4.15%	4.24%	12 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3; Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.24% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month Share Certificate	4.15%	4.24%	12 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3; Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.24% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month IRA Share Certificate	4.05%	4.14%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2; Balance: $50,000.00 - $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.14% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month Share Certificate	4.05%	4.14%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2; Balance: $50,000.00 - $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.14% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month IRA Share Certificate	4.01%	4.09%	6 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3; Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.09% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Share Certificate	4.01%	4.09%	6 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3; Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.09% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month IRA Share Certificate	3.96%	4.04%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1; Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month Share Certificate	3.96%	4.04%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1; Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month IRA Share Certificate	3.92%	4.00%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2; Balance: $50,000.00- $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Share Certificate	3.92%	4.00%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2; Balance: $50,000.00- $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month IRA Share Certificate	3.88%	3.96%	60 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Share Certificate	3.88%	3.96%	60 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month IRA Share Certificate	3.82%	3.89%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1; Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Share Certificate	3.82%	3.89%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1; Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month IRA Share Certificate	3.79%	3.86%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Share Certificate	3.79%	3.86%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month IRA Share Certificate	3.73%	3.80%	24 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Share Certificate	3.73%	3.80%	24 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month IRA Share Certificate	3.68%	3.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Share Certificate	3.68%	3.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month IRA Share Certificate	3.64%	3.71%	36 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3; Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Share Certificate	3.64%	3.71%	36 months
Min Deposit $99,000 Min Balance $99,000 Details Tier 3; Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month IRA Share Certificate	3.63%	3.70%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Share Certificate	3.63%	3.70%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month IRA Share Certificate	3.55%	3.61%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2; Balance: $50,000.00 - $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Share Certificate	3.55%	3.61%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Tier 2; Balance: $50,000.00 - $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month IRA Share Certificate	3.54%	3.60%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Share Certificate	3.54%	3.60%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month IRA Share Certificate	3.45%	3.51%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1; Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Share Certificate	3.45%	3.51%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Tier 1; Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day IRA Share Certificate	2.70%	2.74%	91 days
Min Deposit $99,000 Min Balance $99,000 Details Tier 3 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.74% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Share Certificate	2.70%	2.74%	91 days
Min Deposit $99,000 Min Balance $99,000 Details Tier 3 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.74% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day IRA Share Certificate	2.60%	2.63%	91 days
Min Deposit $50,000 Min Balance $50,000 Details Tier 2 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Share Certificate	2.60%	2.63%	91 days
Min Deposit $50,000 Min Balance $50,000 Details Tier 2 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day IRA Share Certificate	2.50%	2.53%	91 days
Min Deposit $1,000 Min Balance $1,000 Details Tier 1 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Share Certificate	2.50%	2.53%	91 days
Min Deposit $1,000 Min Balance $1,000 Details Tier 1 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Term Share	4.25%	4.34%	12 Month
Min Balance $99,000 Details Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.34% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month Business Term Share	4.15%	4.24%	12 Month
Min Balance $50,000 Details Balance: $50,000.00 - $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.24% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Business Term Share	4.11%	4.20%	6 Month
Min Balance $99,000 Details Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
12 Month Business Term Share	4.06%	4.14%	12 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Business Term Share	4.02%	4.10%	6 Month
Min Balance $50,000 Details Balance: $50,000.00 - $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
6 Month Business Term Share	3.92%	4.00%	6 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Business Term Share	3.69%	3.76%	60 Month
Min Balance $99,000 Details Balance: $99,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Business Term Share	3.64%	3.71%	36 Month
Min Balance $99,000 Details Balance: $99,000.00 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Business Term Share	3.59%	3.66%	60 Month
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Business Term Share	3.55%	3.61%	36 Month
Min Balance $50,000 Details Balance: $50,000.00 - $98,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Business Term Share	3.54%	3.60%	24 Month
Min Balance $99,000 Details Balance: $99,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
60 Month Business Term Share	3.49%	3.55%	60 Month
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
36 Month Business Term Share	3.45%	3.51%	36 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Business Term Share	3.44%	3.50%	24 Month
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
24 Month Business Term Share	3.34%	3.40%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Business Term Share	2.70%	2.74%	91 Day
Min Balance $99,000 Details Balance: $99,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.74% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Business Term Share	2.60%	2.63%	91 Day
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
91 Day Business Term Share	2.50%	2.53%	91 Day
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Savings Rates

Product	Rate	APY
First Savings Account	2.96%	3.00%
Details Balance: Up to and including $5,000 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 3.00% ▲ 2.95 pts · high 3.00% / low 0.05% Oct 14, 20263.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
High-Yield Savings Account	2.96%	3.00%
Details Qualifications Required; Balance: Up to and including $100,000; Effective July 8, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 3.00% ▲ 2.95 pts · high 3.00% / low 0.05% Oct 14, 20263.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
IRA Savings	0.20%	0.20%
Min Deposit $100 Details Fees could reduce earnings on this account. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Share Savings	0.20%	0.20%
Min Deposit $5 Details Fees could reduce earnings on this account. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.20%	0.20%
Min Deposit $5 Min Balance $5 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.24%	1.25%
Min Balance $500,000 Details Balance: $500,000.00 and greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Money Market Account	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000.00-$499,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Money Market Account	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Money Market Account	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000.00-$24,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Money Market Account	0.20%	0.20%
Min Balance $0 Details Balance: $0.00-$1,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.24%	1.25%
Min Balance $500,000 Details Balance: $500,000.00 and greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Business Money Market	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000.00 - $499,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Business Money Market	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Business Money Market	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000.00 - $24,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Business Money Market	0.20%	0.20%
Min Balance $0 Details Balance: $0.00 - $1,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Checking Rates

Product	Rate	APY
Free High-Yield Checking	-	6.00%
Min Balance $0 Details Qualifications Required; Balance up to and including $15,000.00 when qualifications are met; Minimum balance to earn rewards $0.01; Monthly Qualification Cycle applies Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
High-Yield Checking Account	5.83%	6.00%
Details Qualifications Required; Qualifying balance up to $15,000.00; Balance: $0.00 - $15,000.00; Effective July 8, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 6.00% ▲ 5.95 pts · high 6.00% / low 0.05% Oct 14, 20266.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Rewards Share Draft (Checking)	0.15%	0.15%
Details Previous Checking Accounts; Effective April 1, 2024 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
50+ Share Draft (Checking)	0.10%	0.10%
Details Previous Checking Accounts; Effective April 1, 2024 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Plus Share Draft (Checking)	0.10%	0.10%
Details Previous Checking Accounts; Effective April 1, 2024 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 10 Years	-	-	5.50%	10 Years
Details As Low As; Rate (APR*) as low as; APR column used for the single rate shown Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Mortgage - 15 Years	-	-	5.50%	15 Years
Details As Low As; Rate (APR*) as low as; APR column used for the single rate shown Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Mortgage - 20 Years	-	-	5.75%	20 Years
Details As Low As; Rate (APR*) as low as; APR column used for the single rate shown Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Mortgage - 30 Years	-	-	6.00%	30 Years
Details As Low As; Rate (APR*) as low as; APR column used for the single rate shown Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 1st Lien	-	-	5.25%	5 Years
Details As Low As Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity 1st Lien	-	-	5.25%	10 Years
Details As Low As Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity 1st Lien	-	-	5.50%	15 Years
Details As Low As Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity 1st Lien	-	-	5.75%	20 Years
Details As Low As Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity 2nd Lien - 10 Years	-	-	5.75%	10 Years
Details As Low As; Rate (APR*) as low as; Monthly Payment per $10,000 Borrowed: $109.78; Effective September 11, 2025 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity 2nd Lien - 5 Years	-	-	5.75%	5 Years
Details As Low As; Rate (APR*) as low as; Monthly Payment per $10,000 Borrowed: $192.17; Effective September 11, 2025 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity 1st Lien	-	-	6.00%	30 Years
Details As Low As Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity 2nd Lien - 15 Years	-	-	6.00%	15 Years
Details As Low As; Rate (APR*) as low as; Monthly Payment per $10,000 Borrowed: $84.40; Effective September 11, 2025 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Equity 2nd Lien - 20 Years	-	-	6.25%	20 Years
Details As Low As; Rate (APR*) as low as; Monthly Payment per $10,000 Borrowed: $73.12; Effective September 11, 2025 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.50%	36 months
Details As Low As; APR range: 3.50% - 15.75%; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 3.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Auto Loan	-	-	4.00%	48 months
Details As Low As; APR range: 4.00% - 16.00%; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Auto Loan	-	-	4.25%	60 months
Details As Low As; APR range: 4.25% - 16.25%; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Auto Loan	-	-	4.75%	72 months
Details As Low As; APR range: 4.75% - 16.25%; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Auto Loan	-	-	5.00%	78 months
Details As Low As; APR range: 5.00% - 16.25%; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Auto Loan	-	-	5.25%	84 months
Details As Low As; APR range: 5.25% - 16.25%; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, Travel Trailers & Motor Homes - 36 Months Loan	-	3.50%	36 months
Details APR range: 3.50% - 15.75%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 3.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes - 48 Months Loan	-	4.00%	48 months
Details APR range: 4.00% - 16.00%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 4.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes - 60 Months Loan	-	4.25%	60 months
Details APR range: 4.25% - 16.25%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes - 72 Months Loan	-	4.75%	72 months
Details APR range: 4.75% - 16.25%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 4.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes - 78 Months Loan	-	5.00%	78 months
Details APR range: 5.00% - 16.25%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 5.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes - 84 Months Loan	-	5.25%	84 months
Details APR range: 5.25% - 16.25%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes - 96 Months Loan	-	7.75%	96 months
Details APR range: 7.75% - 16.75%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes - 120 Months Loan	-	8.50%	120 months
Details APR range: 8.50% - 16.75%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Boats, Travel Trailers & Motor Homes - 180 Months Loan	-	8.50%	180 months
Details APR range: 8.50% - 16.75%; Monthly Payment Per $1,000 excluded; Lowest rate includes 1% discount available Last Updated 10/19/2026 Rate History No change since Sep 22, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	11.00%
Details Rate range: 11.00% - 18.00%; No Annual Fee, 25-Day Grace Period; Rate may change after the account is opened Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Platinum Rewards Credit Card	-	12.50%
Details Rate range: 12.50% - 18.00%; No Annual Fee, 25-Day Grace Period; Rate may change after the account is opened Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 12.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Credit Card	-	14.50%
Details Rate range: 14.50% - 17.25%; No Annual Fee, 25-Day Grace Period; Rate may change after the account is opened Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 14.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loans	9.75%	36 months
Details As Low As; APR range: 9.75% - 16.00%; Lowest rate, including discounts available Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Debt Consolidation Loans	9.75%	48 months
Details As Low As; APR range: 9.75% - 16.00%; Lowest rate, including discounts available Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Debt Consolidation Loans	9.75%	60 months
Details As Low As; APR range: 9.75% - 16.00%; Lowest rate, including discounts available Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	9.75%	36 months
Details As Low As; APR range: 9.75% - 16.00%; Monthly payment per $1,000 borrowed: $32.16 - $35.18; Lowest rate, including discounts available; Membership required; Effective December 1, 2025 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	9.75%	48 months
Details As Low As; APR range: 9.75% - 16.00%; Monthly payment per $1,000 borrowed: $25.26 - $28.36; Lowest rate, including discounts available; Membership required; Effective December 1, 2025 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	9.75%	60 months
Details As Low As; APR range: 9.75% - 16.00%; Monthly payment per $1,000 borrowed: $21.14 - $24.34; Lowest rate, including discounts available; Membership required; Effective December 1, 2025 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Debt Consolidation Loans	10.00%	72 months
Details As Low As; APR range: 10.00% - 16.00%; Lowest rate, including discounts available Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	10.00%	72 months
Details As Low As; APR range: 10.00% - 16.00%; Monthly payment per $1,000 borrowed: $18.54 - $21.71; Lowest rate, including discounts available; Membership required; Effective December 1, 2025 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Debt Consolidation Loans	11.00%	84 months
Details As Low As; APR range: 11.00% - 16.00%; Lowest rate, including discounts available Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Loans	11.00%	84 months
Details As Low As; APR range: 11.00% - 16.00%; Monthly payment per $1,000 borrowed: $17.13 - $19.88; Lowest rate, including discounts available; Membership required; Effective December 1, 2025 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Signature Credit Card	14.50%
Details Rate range: 14.50% - 17.25%; No Annual Fee, 25-Day Grace Period; Rate may change after the account is opened Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 14.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

5Point Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loans	-	-	6.50%	up to 12 months
Details Interest only with remaining accrued interest and principal due at maturity Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Improvement Loan	-	-	6.00%	5 Years
Details As Low As; Rate (APR*) as low as; Monthly Payment per $10,000 Borrowed as low as $193.35 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Improvement Loan	-	-	6.25%	10 Years
Details As Low As; Rate (APR*) as low as; Monthly Payment per $10,000 Borrowed as low as $112.30 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Home Improvement Loan	-	-	6.50%	15 Years
Details As Low As; Rate (APR*) as low as; Monthly Payment per $10,000 Borrowed as low as $87.14 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Land Loan	-	-	5.25%	up to 5 Years
Details Effective September 11, 2025 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Land Loan	-	-	5.75%	up to 10 Years
Details Effective September 11, 2025 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Land Loan	-	-	6.00%	up to 15 Years
Details Effective September 11, 2025 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
Line of Credit	-	-	10.50%
Details Rate range: 10.50% - 18.00%; Rate (APR*); Effective April 25, 2023 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%
First Spending Account	4.88%	-	5.00%
Details Qualifying balance up to $1,000.00; Monthly Qualification Cycle applies; Effective July 8, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 5.00% ▲ 4.95 pts · high 5.00% / low 0.05% Oct 14, 20265.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

5Point Credit Union’s Texas Ratio rose from 3.84% in Q3 2023 to 6.35% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	6.35%	5.0	A
March 31, 2026	$1.1B	4.97%	5.0	A+
December 31, 2025	$1.1B	6.11%	5.0	A
September 30, 2025	$1.1B	5.94%	5.0	A+
June 30, 2025	$1.0B	3.79%	5.0	A+
March 31, 2025	$1.0B	4.03%	5.0	A+
December 31, 2024	$987M	4.74%	5.0	A+
September 30, 2024	$971M	4.28%	5.0	A+
June 30, 2024	$963M	3.32%	5.0	A+
March 31, 2024	$956M	3.41%	5.0	A+
December 31, 2023	$941M	4.65%	5.0	A+
September 30, 2023	$933M	3.84%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 77642

Phone 800-825-8829

Fax

President Joe Dickson

CEO Erik Shaw

Full-Time Employees 201

Part-Time Employees 13

Branch Locations 8

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.35%

Return on Assets (ROA)

0.2260%

Return on Equity (ROE)

2.5729%

Non-Performing Loans Ratio (NPL)

0.76%

Total Assets

1,116,547,729

Total Amount of Shares and Deposits

1,003,997,615

Total Shares and Deposits < 1 Year

944,187,218

Total Shares and Deposits 1 3 Years

50,309,544

Total Shares and Deposits > 3 Years

9,500,852

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

59,395,373

Total Uninsured Shares and Deposits > $250K (F+J)

59,395,373

Total Insured Shares and Deposits > $250K (item 17 less item K)

944,602,242

Total Interest Expense (Sum of items 6 8)

10,873,444

Share Certificates

3,761

Number of Accounts for Share Drafts

44,723

IRA KEOGH Accounts

1,503

Number of Accounts for Regular Shares

70,370

Non Member Deposits

Money Market Shares

2,258

Net Income (unless the amount is already included in Undivided Earnings)

2,523,219

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Undercapitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

47,156,420

Total Liabilities

1,022,707,342

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

5Point Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About 5Point Credit Union

Does 5Point Credit Union offer CDs?

Yes. 5Point Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from 5Point Credit Union NCUA insured?

Yes. 5Point Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at 5Point Credit Union?

The highest CD rate MonitorBankRates has verified for 5Point Credit Union is 4.34% APY on its 12 Month Business CD, as of October 19, 2026.

What CD terms does 5Point Credit Union offer?

The 5Point Credit Union CD terms we track include 6 month, 12 month, 2 year and 5 year terms, with rates from 4.09% to 4.34% APY. The institution may offer other terms or specials that are not listed here, so check with 5Point Credit Union for its full lineup.

What is the highest savings rate at 5Point Credit Union?

The highest savings rate MonitorBankRates has verified for 5Point Credit Union is 3.00% APY on its First Savings Account, as of October 19, 2026.

What is the highest money market rate at 5Point Credit Union?

The highest money market rate MonitorBankRates has verified for 5Point Credit Union is 1.25% APY on its Business Money Market, as of October 19, 2026.

What is the highest checking rate at 5Point Credit Union?

The highest checking rate MonitorBankRates has verified for 5Point Credit Union is 0.15% APY on its Rewards Share Draft (Checking), as of October 19, 2026.

What is the lowest mortgage rate at 5Point Credit Union?

The lowest mortgage rate MonitorBankRates has verified for 5Point Credit Union is 5.50% APR on its Mortgage - 10 Years, as of October 19, 2026.

What is the lowest auto loan rate at 5Point Credit Union?

The lowest auto loan rate MonitorBankRates has verified for 5Point Credit Union is 3.50% APR on its Auto Loan, as of October 19, 2026.

What is the lowest personal loan rate at 5Point Credit Union?

The lowest personal loan rate MonitorBankRates has verified for 5Point Credit Union is 9.75% APR on its Signature Loans, as of October 19, 2026.

What is the lowest credit card APR at 5Point Credit Union?

The lowest credit card rate MonitorBankRates has verified for 5Point Credit Union is 11.00% APR on its Platinum Credit Card, as of October 19, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do 5Point Credit Union rates compare?

5Point Credit Union's top rates are 4.34% APY on its 12 Month Business CD, 3.00% APY on its First Savings Account, 1.25% APY on its Business Money Market, 6.00% APY on its Free High-Yield Checking, 5.50% on its Mortgage - 10 Years, 9.75% APR on its Debt Consolidation Loans and 11.00% APR on its Platinum Credit Card, verified by MonitorBankRates on October 19, 2026.

Current 5Point Credit Union Rates

12-Month CD4.04%
24-Month CD3.40%
60-Month CD3.55%
Savings3.00%
MMA1.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

5Point Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

5Point Credit Union Texas Ratio

5Point Credit Union Health Trend

5Point Credit Union CD Rates

5Point Credit Union Business CD Rates

5Point Credit Union Savings Rates

5Point Credit Union Business Savings Rates

5Point Credit Union Money Market Rates

5Point Credit Union Business Money Market Rates

5Point Credit Union Checking Rates

5Point Credit Union Mortgage Rates

5Point Credit Union Home Equity & HELOC

5Point Credit Union Auto Loan Rates

5Point Credit Union RV, Boat and Powersport Loan Rates

5Point Credit Union Credit Card Rates

5Point Credit Union Personal Loan Rates

5Point Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

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Frequently Asked Questions About 5Point Credit Union

Does 5Point Credit Union offer CDs?

Are CDs from 5Point Credit Union NCUA insured?

What is the highest CD rate at 5Point Credit Union?

What CD terms does 5Point Credit Union offer?

What is the highest savings rate at 5Point Credit Union?

What is the highest money market rate at 5Point Credit Union?

What is the highest checking rate at 5Point Credit Union?

What is the lowest mortgage rate at 5Point Credit Union?

What is the lowest auto loan rate at 5Point Credit Union?

What is the lowest personal loan rate at 5Point Credit Union?

What is the lowest credit card APR at 5Point Credit Union?

How many branches does 5Point Credit Union operate?

Is a member application needed to join 5Point Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 5Point Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do 5Point Credit Union rates compare?

Current 5Point Credit Union Rates

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