Current Promotions

Check out all of our Current Deposit, Certificate, and Loan Promotions!


6 Month Add-on Certificate
.95%* APY!

Short term investment option that surpasses most savings rates
Open with as little as $1000 and make additional deposits at this great rate!

*$1,000 minimum to open. $500,000 maximum. Minimum add-on deposit is $100. APY is Annual Percentage Yield. Penalty for early withdrawal is 90 days of dividends. Fees may reduce yield. Management reserves the right to end promotional rate at any time without prior notice. E-mail us at or by phone at 1-800-323-2786 for this special offer. Certificate renewals not automatically included. See disclosures for complete details. Federally insured by NCUA.

21 Month Certificate
1.70%* APY!

Certificate Rates are Rising this Fall at Four Points! Setup your new certificate at this great rate today! Contact us at 1-800-323-2786 or by e-mail at to setup your certificate today!

*Rates effective October 1, 2017 and are subject to change at any time. APY stated requires $5,000 minimum to open. Penalty for early withdrawal is 180 days of dividends. Fees may reduce yield. Management reserves the right to end promotional rate at any time without prior notice. Certificate renewals not automatically included. See account terms and disclosures for complete details. APY is Annual Percentage Yield. Federally insured by NCUA.

New Members-$25!

Join Four Points and open one of our great New Checking Accounts, we’ll make the opening deposit for you!

That’s $25 on us instantly!

*Must be a new member to Four Points without a previous account relationship to qualify for $25 incentive. $25 will be reported as dividends. Management reserves the right to limit or end this promotion at any time. See account terms and conditions for complete account details.


Fall Auto Loan Promotion

Auto Loan Disclosure: Fixed rates start as low as 2.65% APR with terms available up to 84 months based on amount borrowed. Rates are based on creditworthiness (FICO 680 or greater). Subject to Credit Approval. Minimum required loan amount is $10,000 in new loan money to Four Points. Loan needs to be secured by an automobile that is 2012 or newer. Requires automatic loan payments, no additional discounts apply. Rates and terms subject to change at any time. Inquire at Four Points for complete terms and conditions. Payment example based on vehicle loan of $30,000 for 84 months at 2.95% APR is $395.72.

Home Equity Loan Sale
Rates starting as low as 3.25%!

Just in time for fall home improvements, vacations, and holiday shopping, we have a Special Fixed Rate Home Equity Installment loan

– 3.25% APR for up to 72 months OR 3.50% APR for up to 120 months!
– Up to 95% loan to value
– $10,000 new money minimum

Plus, for a limited time, we’ll also take 1/2 off of our Processing Fee for all new Real Estate loans!

Home Equity Disclosure: All loans subject to approval. Rates, terms and conditions subject to change. Rates based on creditworthiness. New Money only. For a $10,000 Home Equity loan amortized for 72 months with a 3.919% APR, the monthly payment will be $153.06 (monthly payment does not include amounts for taxes and insurance premiums, actual payment obligation will be greater) Automatic payments required. Consult your tax advisor for further information regarding the deductibility of interest and charges.

Holiday Credit Card Special Rates

Get ready for the Holidays with Four Points! Just in time for your Holiday purchases, you can receive these great introductory rates for 6 MONTHS from the date of your credit card purchases, for all purchases made from October 1st – January 10th!

3.95% APR on your Premier or Cash Back Rewards Card!
6.95% APR on your Classic Card!

Disclosure: Introductory APR’s apply for both new and existing cardholders on eligible purchases made between October 1st, 2017 and January 10th, 2018. After the introductory APR period ends, six months from each purchase statement period, the standard purchase APR in effect at that time will be applied to unpaid balances. Standard purchase APR’s currently vary between 8.50% – 12.50% APR. Subject to Credit Approval. Rates and cards you are eligible for depend on your creditworthiness. Inquire at Four Points for complete credit card disclosure and details.

Skip A Payment

We appreciate your membership and loan business with Four Points. We understand that the holidays can put a stress on your budget. That’s why we offer the opportunity to Skip-A-Payment on most vehicle and personal loans each year, allowing you to keep more money in your pocket for Holiday spending!

If you have an eligible loan or loans with us and have not had a Skip Payment in the 2017 calendar year, your loan may be eligible. Please review the terms and conditions on the Skip Payment form for more details, terms, and conditions.