Current Rates & Promotions

Please select the rate link below that meets your needs. Please also check out all of our current promotions below. Questions? Please e-mail us at contact@fourpointsfcu.org or call us at 1-800-323-2786.

Auto Loans

2.95% APR for up to 84 months!

Summer is a great time to upgrade your vehicle at our fantastic low rates and flexible terms. We’re offering vehicle loan rates as low as 2.95% APR for up to 84 months!

Apply online today or call us at 1-800-323-2786 to apply by phone.

Disclosure: Terms available up to 84 months based on amount borrowed. Rates are based on creditworthiness (FICO of 680 or greater). Subject to Credit Approval. Minimum required loan amount is $10,000 in new loan money to Four Points. Loan must be secured by an automobile that is 2013 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 loan of $30,000 for 84 months at 2.95% APR is $395.72.

Vacation Loans

Personal loans as low as 3.95% APR!

  • 3.95% APR for up to $1500
  • 4.95% APR for up to $4000
  • 5.95% APR for up to $8000

Apply online today or call us at 1-800-323-2786 to apply by phone.

Disclosure: Fixed rates start as low as 3.95% APR. Terms available up to 48 months based on amount borrowed. Rates are based on creditworthiness. FICO of 680 or better. Subject to Credit Approval. New Money only. 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.

Estimated monthly payment for $1500 at 3.95% for 24 months is $65.10. Estimated monthly payment for $4000 at 4.95% for 36 months is $119.79. Estimated monthly payment for $8000 at 5.95% for 48 months is $187.70.

18 Month Certificate Promotion

2.10% APY on an 18 Month Certificate

Call 1-800-323-2786 or e-mail us at contact@fourpointsfcu.org to open yours today!

Disclosure: Rate effective 6/1/2018 and subject to change at any time. APY stated requires $10,000 minimum investment. Penalty for early withdrawal is 180 days of dividends. Fees may reduce yield. Certificate renewals not automatically included. See account terms and disclosures for complete details. APY is Annual Percentage Yield. Federally insured by NCUA.

9 Month Certificate Promotion

2.25% APY on a 9 Month Certificate – New Money Only

Call 1-800-323-2786 or e-mail us at contact@fourpointsfcu.org to open yours today!

Disclosure: Rate effective 6/20/2018 and subject to change at any time. APY stated requires $10,000 minimum NEW MONEY investment. Penalty for early withdrawal is 90 days dividends. Fees may reduce yield. Certificate renewals not automatically included. See account terms and disclosures for complete details. APY is Annual Percentage Yield. Federally insured by NCUA.

Home Equity Loans

4.00% APR for up to 10 years!

Whether you need to paint your house, buy new siding, put up a fence, or go on a vacation, our Home Equity loans will help you accomplish your goals. Don’t let summer pass you by without applying for one of our Home Equity loans.

It’s easy to apply online or call 1-800-323-2786. Apply today!

Disclosure: Rates based on creditworthiness, and loan to value position. FICO of 680 or greater. Minimum required loan amount is $10,000 in new loan money. Disclosure: Subject to Credit Approval. Rates, terms and conditions subject to change at any time. Requires automatic loan payments, no additional discounts apply. Home equity loans available for a limited time-4% for up to 120 months. Apply online today at fourpointsfcu.org or call 800-323-2786 for this great offer! Just another way that Four Points Credit Union is helping you grow through life. Member NCUA.

We Maximize Your Profit, Not Ours

At Four Points Federal Credit Union, we understand the need to be careful with your money at every point in life. From your first checking and savings account to accessing your individual retirement account (IRA), financial security depends on being able to trust who handles your money.

We offer competitive interest rates, loan rates, CD rates and mortgage rates so you can focus on building your life. Instead of lining our own pockets with excessive fees, we run our operations and design our products to benefit you.

At Four Points Federal Credit Union, the needs of our customers come first. That kind of commitment means low fees and great rates on savings accounts, CD rates, mortgage rates, IRAs, car loan rates, interest rates and our other services.