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.

Stocking Stuffer Checking Account Special

Open any new Four Points Checking Account with direct deposit and we’ll gift you $50!


Choose how you save: 

Interest Rewards Checking
Earn more on higher balances

Purchase Rewards Checking
Earn cash back with all debit card swipes


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



New accounts only. See Interest Rewards and Purchase Rewards checking account disclosures and rate and fee schedule for more details on rates and rewards. $50 credit will be applied after the direct deposit occurs. Direct Deposit must occur by January 31st. 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.


Download the Skip-A-Pay form below and e-mail it to
or give us a call at 1(800) 323-2786!



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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