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 or call us at 1-800-323-2786.

Fall Auto Loan Special

Drive home a new car this season with a special fall auto loan rate from Four Points!


Rates starting as low as 4.39% APR, up to a 78 month loan term


Click the button below to apply or give us a call at 1 (800) 323-2786!



Fixed rates start as low as 4.39% APR with terms available up to 78 months based on amount borrowed. Rate is subject to creditworthiness (720 FICO or better). 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 2016 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 cost of $30,000 for 84 months at 4.39% APR is $444.34. Limited time offer, subject to end without notice. Federally insured by NCUA..

Skip-A-Pay Program

Boost your holiday funds with the Skip-A-Pay program!


Skip your Four Points FCU loan payment during November or December and use that cash for holiday travel, gifts for family & friends, and more.


Click the button below download the Skip-A-Pay form!



Some exceptions and restrictions may apply. This offer excludes all loans secured by real estate, credit cards, lines of credit, and single payment loans. Each skip subject to a $30 fee per loan. See the official Skip-A-Payment form for more details. Federally insured by 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.

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