Abandoned Accounts | If your account has had no activity in the last year and you have not contacted the credit union, your account becomes dormant. After three years of dormancy, your account becomes abandoned, and the funds in the account will be sent to the State Comptroller by June 23, 2025. Click here for more information.
Nederland and Port Arthur Branch Alert | Our Nederland lobby will be closed on Saturday, June 7th, for construction. This will not impact the Nederland drive-thru. The Port Arthur lobby will be open from 9:00 AM to 1:00 PM to assist members with non-teller services. Please note that cash or check transactions will be handled in the drive-thru.

Get Up to $1,000 CASH BACK* on Any Mortgage, Home Equity, or Land Loan. No PMI Required and We’re Locally Serviced.

Come home to 5Point for the home or land loan you need today, or get immediate home equity cash for your next home improvement project or major expense.

MAKING DREAMS COME TRUE.
That's the Point.

Home Loans

  • We'll finance up to 90% of the sales price or appraised value (whichever is less) at the current rate for up to 30 years. Click here to view the current mortgage rates.
  • ​10% down
  • No private mortgage insurance required
Plus, be sure to ask us about our first-time home buyer program.
 

Land Loans

  • We'll finance up to 80% of the sales price or appraised value (whichever is less). Click here to view the current land loan rates.
  • Closing costs range from $1,500-$2,000.

Home Equity

  • We'll finance up to 80% of the appraised value of your home (minus any liens). Click here to view the current home equity rates.
  • ​Loans start at a minimum of $7,500.
  • Low, fixed rates are available.

Ready to move into your dream home? Apply today.


  Mortgage Loan

Untitled-3-01-2.png Land Loan

  Home Equity
 
*Offer of credit is subject to credit approval. Loan offer includes mortgage, refinance, home equity, and land. Eligible loans must fund within 90 days to receive cash back offer. Membership requirements apply. APR = Annual Percentage Rate. Land Loans: Monthly Payment Per $10,000 borrowed as low as $191.03 on a 5-year term at a 5.50% APR. Home Equity Loans: Monthly Payment Per $10,000 borrowed as low as $190.57 on a 5-year term at 5.50% APR.  Home Loans: Monthly Payment Per $10,000 borrowed as low as $109.77 on a 10 year at 5.75% APR. 1% cash back up to maximum $1,000. New money only. Promotion valid 04/01/2025 - 04/30/2025. NMLS #464074
 
SERVICE • COMMUNITY • ACCOUNTABILITY • TEAMWORK • LOYALTY