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FivePoint Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.5pointcu.org
800-825-8829
3700 Skyline Dr
Nederland, TX 77627

FivePoint Credit Union is headquartered in Nederland and is the 36th largest credit union in the state of Texas. It is also the 453rd largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 200 employees and 56,245 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

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68643
Year Chartered1935
Employees200
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD4.31%
Annual Interest Income$13.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.03B$956.2MM
LoansQ1 2025vs Q1 2024$786.3MM$744.1MM
DepositsQ1 2025vs Q1 2024$924.9MM$848.2MM
Equity CapitalQ1 2025vs Q1 2024$83.1MM$76.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.7MM$5.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4MM$3.3MM
Real Estate OwnedQ1 2025vs Q1 2024$118K$120K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not FivePoint Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$0-Share Savings
0.20%$5-Business Savings

FivePoint Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$500k*-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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-Rewards Checking Account
0.10%$0-Plus Checking Account
0.10%$0-50+ Checking Account

FivePoint Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.76%*$99k*-12 Month Term Share Certificate
OTHER TIERS: 4.55% → $1k - $50k | 4.65% → $50k - $99k
4.76%*$99k*-Business 12 Month Term Share Certificate
OTHER TIERS: 4.55% → $1k - $50k | 4.65% → $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.76%*$99k*-12 Month IRA Term Share
OTHER TIERS: 4.55% → $1k - $50k | 4.65% → $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
0.20%$0-IRA Savings
Locations


FivePoint Credit Union Locations
Branch Office141 N Lhs Dr Ste 219Lumberton, TX 77657-8698
Branch Office1021 Sawdust Rd Ste 150Spring, TX 77380-3895
Branch Office3570 FM 1488 Rd Ste 700Conroe, TX 77384-3806
Branch Office2335 Texas AveBridge City, TX 77611
Branch Office3728 N 16th StOrange, TX 77632-4629
Branch Office13341 FM 1488Magnolia, TX 77354
Corporate Office3700 Skyline DrNederland, TX 77642

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