COVID-19 Update | Following local and federal recommendations, we have made the decision to close our lobbies effective Friday, March 20. This applies to all locations. Click here for more information.
Credit Card System Upgrade | We are currently not receiving payments made to 5Point credit cards through online bill pay systems. Please click here for acceptable ways to make payments on your 5Point credit card.
Holiday Closing | We will be closed Friday, April 10, and Saturday, April 11, in observance of Good Friday and Easter.



Rewards No 1 point/$ 1.5 points/$
Minimum Limit None None $5,000
Minimum Credit Score to Qualify None None 640
Application Fee None None None
Balance Transfer Fee None None None
Annual Fee None None None
Variable Rates 8.75% – 18 % 10.25% – 18% 12.25% – 18%
25-Day Grace Period
Auto Rental Collision Damage Waiver**
Cardholder Inquiry Service
Emergency Cash Disbursement
Lost/Stolen Card Reporting
Roadside Dispatch®
Travel and Emergency Assistance Services**    
Extended Warranty Protection**    
Visa Luxury Hotel Collection    
Rental Car    
Golf Benefits    
Sonoma County Vintners    
Unique year-round dining and wine experiences    
*Some restrictions apply. Credit and rate subject to approval. 
**Certain terms, conditions, and exclusions apply. Please click here for further details.
This smart, simple card offers no hidden or annual fees. Plus
  • No application fee
  • No balance transfer fee
  • Competitive rates
  • 25-day grace period
It offers everything you need and nothing you don’t.

Click here to view Platinum benefits.
This card offers all the benefits of our Platinum Credit Card plus REWARDS.

You'll earn 1 point for every dollar spent, and your points can be redeemed for merchandise, gift cards, or a statement credit.

Click here to view Platinum Rewards benefits.
Get even more benefits and rewards with our Signature Visa Credit Card.

You'll earn 1.5 points for every dollar spent, and your points can be redeemed for merchandise, gift cards, or a statement credit.

Click here to view Signature benefits.
Applying is easy. If you’re approved for a credit card online but you’re not yet a member, we’ll ask you to complete a membership application before it can be processed.
  • Stop by any of our locations.
  • Apply online.
  • Call our 24-hour phone center at 1.800.825.8829 to learn more about any of our loan products.
Log in to the Payment Center to make a payment on your credit card.

Credit card RateS