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.

Become Financially Fit in 2019 With A New Checking Account!

We want to help you achieve your 2019 resolution to save more and become financially fit for the new year!


During January – March 2019, open any new Interest Rewards Checking account or Purchase Rewards Checking account with an opening balance of $50 or more and we’ll deposit $25 on your behalf! Not only that but we’ll deposit another $25 after your first direct deposit comes through.


Please review the latest Savings, Checking, and Certificates Rate Sheet for more account details and updated rates or call 1(800)323-2786 to speak with a qualified service specialist.

Disclosure: Promotional incentives valid for new or existing members without an existing checking account relationship in the past six months. All incentives will be reported as dividends on a 1099-INT. Dividend rate up to 2.00% APY available on Interest Rewards checking, some exclusions apply. See rate sheet and member disclosures for account details. Direct Deposit must occur within thirty days of account opening. Additional $25 incentive for direct deposit will be paid within forty five days of the direct deposit occurring. Management reserves the right to end promotional offer at any time without prior notice. Offer Ends March 31, 2019. Federally insured by NCUA. Four Points is an Equal Housing Lender.

Loan Discount Promotion

Enjoy your well-earned purchases this year with our special 2019 Loan Discount Promotion!  


During January – March 2019, when you are approved for any Four Points FCU Auto, Boat, RV, or Personal Loan, we will take an additional .25% off the rate of any second non-home loan you bring to us within 30 days of the original. Use this discount on your second loan to refinance another vehicle, consolidate debt, take a vacation–you name it!  


Please review the latest Auto & Personal Loan Rate Sheet for more details and current rates or call 1(800)323-2786 to speak with a qualified service specialist.

Disclosure: Rates are based on creditworthiness. Subject to credit approval. New money only. Discount for second loan available on auto, other secured (non real estate), and personal installment loans only. Discount requires approval and funding of the first loan during promotional period and automatic loan payments. Rates and terms subject to change at any time. Inquire at Four Points for complete terms and conditions. Federally insured by NCUA. Four Points is an Equal Housing Lender.

High Yield Certificate Promotions

3.05% APY for 36 months; $10,000 min., $5,000 must be new money

(Valid until 2/21/19)


Give us a call 1(800) 323-2786 for more information or apply online today!

Disclosure: Rates subject to change at any time. APY stated requires $10,000 minimum investment with a minimum of $5,000 in new money to Four Points. 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.

Home Equity Line of Credit Introductory Rate

We are proud to announce our classic Home Equity Line of Credit now includes a special 36 month Introductory Rate*!


Enjoy Home Equity Line of Credit benefits such as

•  Low Closing Costs  •
•  Interest Only Payments  •
•  Easy Funds Access with Linked Accounts  •
•  Revolving Line Availability  •


If you’re planning to do a future home remodel, take a sunny vacation elsewhere, or need extra funds for important life events, a Home Equity Line of Credit might be the perfect financial fit for you!


Learn more about Home Equity Lines of Credit, apply online, or give us a call at 1-800-323-2786 to speak
with a qualified service specialist!

*Annual Percentage Rate. Rates are accurate as of 11/01/2018 and are subject to change without notice. Introductory Annual Percentage Rate (APR) as low as 4.25% for the first thirty-six (36) months from the date of agreement. After thirty-six months, the APR is variable, adjusted quarterly, based on the Wall Street Journal Prime Rate less a margin of 0.50% up to a margin of plus 3.00%. The most recently used Wall Street Journal Prime Rate as of August 21, 2018 is 5.00%. Rates range from 4.50% APR to 8.00% APR. Your margin will be determined upon credit approval and your available equity. The APR will never be less than 3.75% and will not exceed 18%. The dwelling must be owner occupied, secured by a primary single-family residence and must be insured (including flood insurance, when required). The minimum line amount is $10,000. You may be required to pay certain fees which generally total up to $550. If an appraisal is required an additional cost of at least $425 is at the borrower’s expense. There is no annual fee or early termination fee. Offer subject to credit approval. Consumer accounts only. Interest may be tax deductible, consult your tax advisor regarding your situation. Additional limitations may apply. Contact a Four Points Federal Credit Union representative for complete offer details. Federally Insured by NCUA. Equal Housing Lender.


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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