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, 2023. Click here for more details.
FRAUD REMINDER TO OUR MEMBERS | 5Point will NEVER call and ask for your online banking login information. Do not provide account login or card information over the phone. If you’re suspicious during a call, hang up and call the credit union directly at 1.800.825.8829 or visit your nearest branch.
Holiday Closing | We will be closed on Monday, May 29th, in observance of Memorial Day. 

Real Cash Back on Real Estate Loans + 5Point Extras on Every Loan

Get up to $500 cash back on any real estate loan, plus an extra 0.5% off your lowest APR* and enjoy a free 20-quart RTIC cooler as our thank you.

This limited time offer applies to:

  • Mortgage Loans
  • Home Equity Loans
  • Land Loans

Plus, no PMI required! Apply now and get an Instant Loan Offer** with no impact to your credit score!

  • Up to $500 Cash Back
  • 0.5% Off Your Lowest APR*
  • 20-quart RTIC Cooler
  • No PMI Required


Ready to move into your dream home? Apply today.

  Mortgage 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. 0.5% off lowest eligible rate and up to $500 cash back. Cash back tiers: $10,000 - $19,999 loan receives $100 cash back, $20,000 - $39,999 loan receives $200, $40,0000 - $59,999  loan receives $300, $60,000 - $79,999 receives $400 cash back, and over $100,000 loan receives $500 cash back. Rates are subject to change. Promotion valid  04/03/2023 - 05/31/2023. NMLS #464074 *APR = Annual Percentage Rate.

You’re eligible to join 5Point Credit Union if you live, work, worship, or attend school in Jefferson, Orange, Hardin, Jasper, Newton, Chambers, Galveston, Grimes, Harris, Liberty, Montgomery, Polk, San Jacinto, Tyler, Walker, or Waller counties.