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.

Double Your Discount, Double Your Rewards!

In August & September, you can save & earn more than ever before at Four Points!



Double your discount…
with a .5% discount* on Recreational Vehicle Loans, when you sign-up for account auto payments.

Previously .25% discount with auto payments

Double your rewards…
and earn 10 cents** per debit card swipe with a free Purchase Rewards Checking Account.

Previously 5 cents per swipe



* Terms available up to 144 months based on amount borrowed and type of collateral. Rates are based on creditworthiness. FICO of 700 or higher. Subject to Credit Approval. Minimum required loan amount is $5,000 in new loan money to Four Points. Loan must be secured by collateral as described that is 2009 or newer model. Requires automatic loan payments, no additional discounts apply. Rates and terms subject to change at any time.

** Minimum of 25 debit card transactions to qualify for cash back reward. Reward is ten cents per qualifying transaction during this promotional period. Cash back earned is reported as dividends.

Valid 08/1/19 – 09/30/19. Offers subject to change at discretion of management. Please see Membership Account Agreement and rate sheet for current rates and details.  Inquire at Four Points for complete terms and conditions. Federally insured by NCUA.

Sizzling Summer Savings Certificate Special


2.40% APY for 12 months

$10,000 min. opening investment


2.55% APY for 18 months

$10,000 min. opening investment



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!

Disclosure: APY is Annual Percentage Yield. Promotional certificate APYs requires a $10,000 minimum opening investment. Penalty for early withdrawal is 180 days of dividends. Fees may reduce yield. See account terms and disclosures for complete details. Limited time offer, subject to change without notice. Valid 08/15/19 – 09/30/19. 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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