Rates and Fees

If you're looking for great rates, look no further.  We've got them.  FivePoint Credit Union prides itself on offering extremely competitive rates from term share accounts (CDs) to auto rates.

Not only will you get great rates with FivePoint Credit Union, you'll also get great services. We stand behind each of our products and services. After all, our mission is to improve the quality of life for our members and the community.

EHO logo     Federally Insured by NCUA

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Click on a product banner below to review current rates.

Savings and Checking Accounts
Type Dividend Rate (%) APY* (%) Minimum to Open
Share Savings 0.25 0.25 $25.00
Share Draft Checking 0.15 0.15 $25.00
IRA Savings 0.25 0.25 $100.00


*APY= annual percentage yield
Dividends do not apply to Absolutely Free Checking Accounts.
Effective April 1, 2010.

Progressive Money Market Account (Minimum to open $2000)
Money Market
Account Type
Amount Dividend Rate(%) APY*(%)
Silver $2000.99-$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
Effective August 1, 2012

IRA Share Certificates and Share Certificates (CDs)
Type Dividend Rate (%) APY* (%) Minimum to Open for IRA Share Certificate Minimum to Open for Share Certificate
3-Month (Tier 1) 0.25 0.25 $1,000.00 $1,000.00
3-Month (Tier 2) 0.35 0.35 $50,000.00 $50,000.00
3-Month (Tier 3) 0.45 0.45 $99,000.00 $99,000.00
         
6-Month (Tier 1) 0.40 0.40 $1,000.00 $1,000.00
6-Month (Tier 2) 0.50 0.50 $50,000.00 $50,000.00
6-Month (Tier 3) 0.60 0.60 $99,000.00 $99,000.00
         
12-Month (Tier 1) 0.60 0.60 $1,000.00 $1,000.00
12-Month (Tier 2) 0.70 0.70 $50,000.00 $50,000.00
12-Month (Tier 3) 0.80 0.80 $99,000.00 $99,000.00
         
24-Month (Tier 1) 0.90 0.90 $1,000.00 $1,000.00
24-Month (Tier 2) 1.00 1.00 $50,000.00 $50,000.00
24-Month (Tier 3) 1.10 1.11 $99,000.00 $99,000.00
         
60-Month (Tier 1) 1.90 1.92 $1,000.00 $1,000.00
60-Month (Tier 2) 2.00 2.02 $50,000.00 $50,000.00
60-Month (Tier 3) 2.10 2.12 $99,000.00 $99,000.00


A penalty will or may be imposed for early withdrawals.
*APY= annual percentage yield
Effective February 19, 2014.

Loan Rates for Autos, Boats, Travel Trailers & Motor Homes
Term (up to) APR* As Low As  
48 Months 2.75%
 
60 Months 3.00%
72 Months

3.25%

78 Months

4.00%

 

*Terms are subject to collateral and loan amounts.

*Rates above include loan discounts.

*APR= annual percentage rate
Effective June 7, 2012.

 

 

MasterCard
Type APR*
Standard Card Variable rate between 7.9% – 17.9%
Platinum Variable rate between 7.9% – 17.9%
Secured MC Variable rate between 7.9% – 17.9%


*APR= annual percentage rate
No annual fee, 25-day grace period
Effective July 1, 2009.

Line of Credit
Line of Credit APR* As Low As
Line of Credit 8.00%


*APR= annual percentage rate
Effective July 1, 2009.

Signature Loans
Signature Loans APR* As Low As
Signature Loans 9.00%

 

*Rates above include loan discounts.

*APR= annual percentage rate
Effective June 1, 2010.

Mortgage
Call For Rates 409.962.8793 1.800.825.8829

Home Equity Loans
Term (up to) APR* As Low As
60 Months 3.75%
120 Months 4.00%
180 Months 4.25%


*APR= annual percentage rate
Effective November 19, 2012.

Schedule of Fees
Inquiry/ATM cash withdrawal from account(s)
No transaction fee at FivePoint ATMs
$1.00 (at non FivePoint ATMs)
Transfer funds from account(s)
to another account at ATM
$1.00 (at non FivePoint ATMs)
Counter check $5.00 per 12
Cashier check $5.00
Money order $2.00
Traveler's checks $1.00 per $100.00
Traveler's checks for two $1.50 per $100.00
Overdraft Protection Automatic Transfer $5.00 per transfer
Nonsufficient funds item (each) $25.00
Account activity printout $3.00
Account research $15.00 per hour ($15 minimum charge)
Account balancing assistance $15.00 per hour ($15 minimum charge)
Stop payments (all items) $20.00
Outgoing domestic wire transfer $20.00 per wire
Copy of check $2.00 (2 free per month)
Tax information $3.00
Copy of a statement $3.00
Return statement for incorrect addresses $2.00 per statement
ATM/VISA Debit Card reissue $5.00
Collection item Domestic: $20.00 per item
International: $75.00 per item
Photocopies $0.25 each
Home Banking FREE
Bill Payer

FREE

Mobile Banking FREE
SMS Banking

FREE

Returned item (each) $25.00
Overdraft (each) $25.00
ATM Debit Card Over Draft $25.00
ACH/NSF Overdraft/Return item $25.00
Pop Money NSF/Overdraft/Return item/Uncollected Funds $25.00
Pop Money Next Day Withdrawal/Transfer $3.00 per transfer
Pop Money Request Money $0.50 per request
Pre-Auth EFT Nonsufficient funds item $25.00
Post Dated Item $20.00
Deposited item return $5.00 per item
Shared Branch Deposited item return $15.00 in addition to the credit union's $5.00 per item
Excessive withdrawal for Savings/Money Market accounts $10.00/occurrence for each withdrawal in excess of six (6) per calendar month
Account closure $25.00/ Primary account if closed within 6 months
Western Union wires $22.50/transfer up to $500.00, $12.50 plus 2% of the principle/transfer $500.00 and above
Research for unrecognized disputed debit card transactions $25.00 per item
Home Banking/Electronic PC

NSF Fee: $25.00 (in addition to Credit Union $25.00 NSF fee)

Stop Payment Fee: $20.00

CD Payment History Order $25.00

Foreign Transactions VISA 1% of the amount/per transaction calculated in US dollars
Visa Gift Card $2.95 per card
Change Order fee $2.50 per order
Effective August 1st, 2013.