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.

Great rates come standard at 5Point.

The most important home we finance is yours. A mortgage from 5Point is built to make your home buying experience easy, so you can focus on enjoying the process as best you can.

We offer competitive rates because we want to be the ones you trust to take your life to the next level, whatever that may be. Transactions are a daily part of life. Transformations are something special. Let’s talk about how we can help you transform your life today.
 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed as low as
10 Years 5.75% $109.77
15 Years 5.75% $83.05
20 Years 6.00% $71.65
30 Years 6.25% $61.58

*APR= Annual Percentage Rate

Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. The payments do not include amounts for taxes and insurance premiums, if applicable, and that actual payments will be greater. Effective January 22, 2025

1st Lien
 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed
5 Years 5.50% $190.57
10 Years 5.50% $108.29
15 Years 5.75% $82.86
20 Years 6.00% $71.48
30 Years 6.25% $61.44
 
2nd Lien
 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed
5 Years 6.00% $192.86
10 Years 6.00% $110.75
15 Years 6.25% $85.54
20 Years 6.50% $74.38

*APR= Annual Percentage Rate

Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. The payments do not include amounts for taxes and insurance premiums, if applicable, and that actual payments will be greater. Effective January 22, 2025

 Term Rate (APR*) as low as Monthly Payment per $10,000 Borrowed as low as
5 Years 6.00% $193.35
10 Years 6.25% $112.30
15 Years 6.50% $87.14

*APR= Annual Percentage Rate

Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. The payments do not include amounts for taxes and insurance premiums, if applicable, and that actual payments will be greater. Effective August 28, 2024

Rate (APR*) Term Monthly Payment per $10,000.00 Borrowed as low as
(interest only with remaining accrued interest and principal due at maturity)
6.50% up to 12 months $53.42

*APR= Annual Percentage Rate

Due to a recent policy change, our construction term has been updated to 12 months. Effective March 31, 2022

Rate (APR*) Term Monthly Payment per $10,000 Borrowed as low as
5.50% up to 5 Years $191.03
6.00% up to 10 Years $111.04
6.25% up to 15 Years $85.77

*APR= Annual Percentage Rate

Effective November 21, 2023

SERVICE • COMMUNITY • ACCOUNTABILITY • TEAMWORK • LOYALTY