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.

Home Equity Loan Special

Did you know that a house can be more than a home?


When you utilize Home Equity options, you can take advantage of the potential equity of your home to fund additional priorities & events such as paying for tuition, remodeling a room, purchasing a new car, or even taking a vacation.


For a limited time, Four Points FCU can help you save up to $175 off* the closing cost of our Home Equity options such as a Home Equity Line of Credit or a Fixed Rate Term Installment Loan.


Click the button below to open an account online or give us a call at 1-800-323-2786 to speak with a qualified service specialist!

*See lender for details and disclosures for applicable closing costs that can be covered under this promotion. Maximum amount that can be paid by the lender under this promotion is $175, no credit will be provided back to the borrower if total closing costs are less. Rates vary based on creditworthiness and product selected, contact us for more details. Promotion availability subject to change without notice. Equal Housing Lender. Federally Insured by NCUA.

Limited Time Certificate Promotions

2.95% APY for 24 months; $10,000 min., $5,000 must be new money.
A one-time rate step up can be requested during the term of the certificate before maturity.


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

Disclosure: A Step-Up certificate allows the member to initiate a request for a one-time rate increase based on current certificate rates at Four Points for the same regular (non promotional) certificate term any time prior to certificate maturity. 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 will automatically renew at maturity as a regular certificate for the same term. See account terms and disclosures for complete details. APY is Annual Percentage Yield. 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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