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.

Low Rate Personal Loan Special

Consolidate high-interest debt, upgrade your car or home, take a much needed vacation, or purchase school supplies–the possibilities are endless! For a limited time, we are offering two low Personal Loan rates for qualified applicants.



Borrow between $5,000 – $12,000 for up to 48 months with the following Annual Percentage Rates (APRs):




(FICO 720+)


(FICO 680 – 719)



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



Promotional fixed rates start as low as 7.20% APR and vary based on creditworthiness. Subject to credit approval. Minimum loan amount is $5000 and maximum is $12,000. 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 $8,000 borrowed at 7.20% for 48 months is $193.44. Valid 02/01/2020 – 02/29/2020. 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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