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 22, 2026. Click here for more information.

Get a real estate loan at 5Point Credit Union, bring home an Amazon Smart Home bundle or $400 cash back!

Bundle includes Echo Hub, Smart Thermostat, $150 Amazon Gift card, and more.

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.

Mortgage Calculator

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.
Mortgage Calculator

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.
Home Equity Calculator

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 offerings include mortgages, refinances, home equity loans, and land loans. Eligible loans must be funded within 90 days to receive the cash-back or Amazon bundle offer. To qualify for either the cash back incentive or the Amazon bundle promotion, borrowers must finance at least $50,000. New money only. Consumer loans only. Membership requirements apply. Land Loans: Monthly payment per $10,000 borrowed as low as $189.90 with a 5-year term and a fixed rate of 5.25% (8.71% APR). Home Equity Loans: Monthly payment per $10,000 borrowed as low as $190.08 with a 5-year term and a fixed rate of 5.25% (5.25% APR). Home Loans: Monthly payment per $10,000 borrowed as low as $108.53 with a 10-year term and a fixed rate of 5.50% (7.49% APR). Promotion valid 04/01/2026-4/30/2026. NMLS #464074. Payment examples are for illustrative purposes only and do not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice.
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