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.

At 5Point Credit Union, you're more than a customer; you're a member of our close-knit community.

We have all the same products and services that banks do, but that's where the similarities end. While banks focus on transactions and profits, we focus on delivering your products and services with the highly personalized care and attention you deserve.

What makes 5Point Credit Union better than a bank?

  • For people, not profits. - We don't have customers, we have members. And our members are part owners. We work hard for them, not shareholders.
  • Better rates. Lower fees. - Because we're not chasing profit, earnings go back to members through better savings rates, lower loan rates, and lower fees.
  • Flexibility - Our loan decisions are made locally and not in the ivory towers of some East Coast bank. We cut through the red tape and really get to know our customers so we can see the complete picture and more than just their credit scores.
  • Full-Service Banking with Modern Tools - From everyday accounts to digital banking, credit cards, and business services, 5Point offers the same products and services as banks with easy access and highly responsive service.

Why bank here? We're from here.

We've been serving Southeast Texas since 1935. And now we've extended our reach to proudly serve the people and communities of North Houston.

Kindness is in our DNA.

From random acts of generosity and gift card giveaways to heartfelt volunteering, we consider it a privilege to help and support the communities we call home.

Banking...only better. That's the point.

Ready for fast answers, expert advice, and flexibility you just can't get from a bank? Join 5Point Credit Union today.

BECOME A MEMBER

SERVICE • COMMUNITY • ACCOUNTABILITY • TEAMWORK • LOYALTY