FivePoint Credit Union

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CURRENT TOP RATE

12 Month Term Share Certificate

Overview / Commentary

www.5pointcu.org

800-825-8829

3700 Skyline Dr
Nederland, TX 77627

FivePoint Credit Union is headquartered in Nederland and is the 36^th largest credit union in the state of Texas. It is also the 461^st largest credit union in the nation. It was established in 1935 and as of June of 2024, it had grown to 199 employees and 54,464 members at 7 locations. FivePoint Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in FivePoint Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Chambers, Galveston, Grimes, Hardin, Harris, Jasper, Jefferson, Liberty, Montgomery, Newton, Orange, Polk, San Jacinto, Tyler, Walker, or Waller.
See current membership details

Related Posts

View all posts from:

2022
2020
2019
Earlier

9/12 - 5Point Credit Union Adds Limited-Time 12-Month High Rate CD Special
6/30 - 5Point Credit Union (TX) Has Limited-Time 18-Month CD Special

10/14 - 5Point Credit Union (TX) Offers Top Rate 60-Month CD

4/9 - Good 3.05% 2 Year Deal

8/1/16 - FivePoint CU Adds Limited-Time 24-Month CD Special

Reviews

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Health

B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68643
Year Chartered	1935
Employees	199
Primary Regulator

Profit Margin
Return on Assets - YTD	0.22%
Return on Equity - YTD	2.7%
Annual Interest Income	$24.3MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$962.7MM$916.3MM
Loans	Q2 2024vs Q2 2023	$755.2MM$692.5MM
Deposits	Q2 2024vs Q2 2023	$853.1MM$821.3MM
Equity Capital	Q2 2024vs Q2 2023	$77.9MM$72.2MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$5.4MM$5MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$3.2MM$2.6MM
Real Estate Owned	Q2 2024vs Q2 2023	$120K$120K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FivePoint Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$0	-	Share Savings
0.20%	$0	-	IRA Savings
0.20%	$5	-	Business Savings

FivePoint Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$500k^*	-	Progressive Money Market Account
OTHER TIERS: 0.20% → $0 - $2k \| 0.40% → $2k - $25k \| 0.50% → $25k - $50k \| 0.60% → $50k - $500k
1.25%^*	$500k^*	-	Business Money Market
OTHER TIERS: 0.20% → $0 - $2k \| 0.40% → $2k - $25k \| 0.50% → $25k - $50k \| 0.60% → $50k - $500k

FivePoint Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$5k	-	Rewards Checking Account
0.10%	$350	-	Plus Checking Account
0.10%	$0	-	50+ Checking Account

FivePoint Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.85%^*	$99k^*	-	12 Month Term Share Certificate
OTHER TIERS: 4.65% → $1k - $50k \| 4.75% → $50k - $99k
4.85%^*	$99k^*	-	Business 12 Month Term Share Certificate
OTHER TIERS: 4.65% → $1k - $50k \| 4.75% → $50k - $99k
4.20%^*	$99k^*	-	6 Month Term Share Certificate
OTHER TIERS: 4.00% → $1k - $50k \| 4.10% → $50k - $99k
4.20%^*	$99k^*	-	Business 6 Month Term Share Certificate
OTHER TIERS: 4.00% → $1k - $50k \| 4.10% → $50k - $99k
3.76%^*	$99k^*	-	60 Month Term Share Certificate
OTHER TIERS: 3.55% → $1k - $50k \| 3.66% → $50k - $99k
3.76%^*	$99k^*	-	Business 60 Month Term Share Certificate
OTHER TIERS: 3.55% → $1k - $50k \| 3.66% → $50k - $99k
3.71%^*	$99k^*	-	36 Month Term Share Certificate
OTHER TIERS: 3.51% → $1k - $50k \| 3.61% → $50k - $99k
3.71%^*	$99k^*	-	Business 36 Month Term Share Certificate
OTHER TIERS: 3.51% → $1k - $50k \| 3.61% → $50k - $99k
3.60%^*	$99k^*	-	24 Month Term Share Certificate
OTHER TIERS: 3.40% → $1k - $50k \| 3.50% → $50k - $99k
3.60%^*	$99k^*	-	Business 24 Month Term Share Certificate
OTHER TIERS: 3.40% → $1k - $50k \| 3.50% → $50k - $99k
2.74%^*	$99k^*	-	91 Day Term Share Certificate
OTHER TIERS: 2.53% → $1k - $50k \| 2.63% → $50k - $99k
2.74%^*	$99k^*	-	Business 91 Day Term Share Certificate
OTHER TIERS: 2.53% → $1k - $50k \| 2.63% → $50k - $99k

FivePoint Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.85%^*	$99k^*	-	12 Month IRA Term Share
OTHER TIERS: 4.65% → $1k - $50k \| 4.75% → $50k - $99k
4.20%^*	$99k^*	-	6 Month IRA Term Share
OTHER TIERS: 4.00% → $1k - $50k \| 4.10% → $50k - $99k
3.76%^*	$99k^*	-	60 Month IRA Term Share
OTHER TIERS: 3.55% → $1k - $50k \| 3.66% → $50k - $99k
3.71%^*	$99k^*	-	36 Month IRA Term Share
OTHER TIERS: 3.51% → $1k - $50k \| 3.61% → $50k - $99k
3.60%^*	$99k^*	-	24 Month IRA Term Share
OTHER TIERS: 3.40% → $1k - $50k \| 3.50% → $50k - $99k
2.74%^*	$99k^*	-	91 Day IRA Term Share
OTHER TIERS: 2.53% → $1k - $50k \| 2.63% → $50k - $99k

Locations

FivePoint Credit Union Locations
Branch Office	141 N Lhs Dr Ste 219	Lumberton, TX 77657-8698
Branch Office	1021 Sawdust Rd Ste 150	Spring, TX 77380-3895
Branch Office	3570 FM 1488 Rd Ste 700	Conroe, TX 77384-3806
Branch Office	2335 Texas Ave	Bridge City, TX 77611
Branch Office	3728 N 16th St	Orange, TX 77632-4629
Branch Office	13341 FM 1488	Magnolia, TX 77354
Corporate Office	3700 Skyline Dr	Nederland, TX 77642

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