Weather Alert | Due to anticipated road and driving conditions, all 5Point Credit Union lobbies will delay opening until 1 PM tomorrow, Wednesday, January 22nd. This schedule is subject to change based on evolving weather conditions.
 
Please click here to view our digital services including online banking, our mobile app, and mobile deposits. 

Our Call Center will be available from 9 AM to 5 PM, Our drive-thru Live Teller Systems will be available from 8 AM to 6 PM, and our Virtual Lobby from 9 AM to 5 PM.

Please note: These services will remain operational as long as our remote employees continue to have access to utilities such as electricity and internet.

We will continue to monitor conditions and provide updates regarding operations. Please stay updated by visiting our website or following us on social media. 
Credit-Card-Agreement-Disclosure
 
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PLATINUM
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PLATINUM
REWARDS
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SIGNATURE® 
Intro Rate 1.9% APR*/
6 months		 1.9% APR*/
6 months		 1.9% APR*/
6 months
Rewards None 1 point/$ 1.5 points/$
BONUS Offers None 5,000 points for
$500 in spend for the
first 90 days		 5,000 points for
$500 in spend for the
first 90 days
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 11.50% – 18.00%
APR*		 13.00% – 18.00%
APR*		 15.00% – 17.75%
APR*
Credit Card Control
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    
Groundlink®    
Sonoma County Vintners    
Unique year-round dining and wine experiences    
Some restrictions apply. Credit and rate subject to approval. 
*APR = Annual Percentage Rate
**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.
To view all credit card disclosures, download the document onto your computer or mobile device.

Click here to view and download the Credit Card Agreement and Disclosures document.

Credit card Rates
APPLY NOW
SERVICE • COMMUNITY • ACCOUNTABILITY • TEAMWORK • LOYALTY