Notice | 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 July 1, 2022.
Debit and Credit Card Information | 5Point mails a new card the same month your current card expires. For example, if your card expires 07/22, a new card will arrive in July. If you have questions about your cards, please give us a call or chat with us.
Holiday Closing | We will be closed on Monday, July 4, in observation of Independence Day.



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 7.50% – 17.50%
9.00% – 18.00%
11.00% – 13.75%
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    
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