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.

Save for what you want, the way you want.

No matter what your future goals are, there's a 5Point savings account that supports them. These convenient, secure accounts are a great way to save for a big-ticket item, start building a nest egg, and earn dividends on your money.
We're sure that one (or more) of them is right for you.

monthly deposit time calculator savings goal calculator

Savings and Checking Accounts Share (Savings) Accounts

Put money aside in a dividend-earning account that you can access online, at any location, or via ATM.


SAVINGS RATES

High-Yield Savings

Make your hard-earned dollars work hard for you. The free High-Yield Savings account delivers 3.00% APY* on balances up to and including $100,000. Certain qualifications are required.


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First Savings

Maximize your savings with this high-yield savings account. Earn 3.00% APY* with no monthly fee and $0.01 minimum balance. This free account is the ideal first savings account for younger members.


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Christmas Savings Accounts

Set up your account to put a little bit aside every month so you're ready to help Santa. You can withdraw from this account at any time.


SAVINGS RATES

Special Savings Accounts

Add a special share account to save for whatever’s on your horizon – you can add an appropriate account name (New Car, Vacation, Insurance, Hunting Trip), then start saving toward your goal.


SAVINGS RATES

Money Market Accounts

Enjoy a higher rate of return on your balance while keeping the flexibility to make unlimited in-person withdrawals and/or six other transactions monthly.


money market rates

Term Share Accounts/Certificates of Deposit

These accounts feature a higher rate of interest, yielding dividends that are paid monthly. You can choose whether to have your dividends deposited to your Term Share account to begin compounding or into a different account of your choosing as additional income.


CD rates

IRA Accounts

Invest a percentage of your income in your retirement, and watch your savings grow – enjoy tax advantages, too.


IRA rates

Ready to Open an Account? Become a Member Today!

 

High-Yield Savings
*Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle dates. When your linked High-Yield Savings account qualifications are met during a Monthly Qualification Cycle, High-Yield Savings daily balances up to and including $100,000 receive an APY of 3.00%; and daily balances over $100,000 earn a dividend rate of 0.50% on the portion of the daily balance over $100,000, resulting in a range from 3.00% to 1.75% APY depending on the account's daily balance. 
When your linked High-Yield Savings account qualifications are not met, the entire daily balance in the High-Yield Savings account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Dividends will be credited to your High-Yield Savings account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs are accurate as of 12/3/2025. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees associated with opening or closing this account. A High-Yield Checking or Cash Back Checking account is required to have a High-Yield Savings account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
 
First Savings
*Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle Dates. When your linked First Savings account qualifications are met during a Monthly Qualification Cycle, First Savings daily balances up to and including $5,000 receive an APY of 3.00%; and daily balances over $5,000 earn a dividend rate of 0.50% on the portion of the daily balance over $5,000, resulting in a range from 3.00% to 1.75% APY depending on the account's daily balance. When your linked High-Yield Savings account qualifications are not met, the entire daily balance in the First Savings account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Dividends will be credited to your First Savings account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs are accurate as of 12/3/2025.
Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees associated with opening or closing this account. A First Spending account is required to have a First Savings account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
 
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