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.

High Yield Certificate Promotions

2.75% APY for 18 months, $10,000 minimum

2.90% APY for 24 months, $10,000 minimum

3.35% APY for 30 months, $10,000 minimum


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. 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.

Holiday Skip-A-Payment Offer

The Skip-A-Payment program allows you to make no payment on your personal and/or auto loan(s) for a single month of your choice, all without being considered delinquent.

Instead, use that payment on things you might need this holiday season such as gifts for family and friends, or travel expenses to get you where you need to go.


To qualify, your accounts must be in current standing and you must have made at least two (2) payments on a new loan. One skip payment per loan is allowed per calendar year. 

Eligible loans include

Auto Loans 
Unsecured/Secured Signature Loans

Ineligible loans include credit cards, home-secured loans (mortgages) and home equity loans.

Program Details

A skip payment fee of $30.00 applies per loan. If there are not funds to debit the fee from an account at Four Points or separate payment is not enclosed with a properly completed form, the request will not be processed.

By signing the official Skip-A-Payment form, you agree to skip one monthly payment (per requested loan) and understand the interest (finance charge) will continue to accrue on the principal balance during the skip period, which may result in additional payments, and your payment will resume the following month and continue until the total loan amount has been repaid.

Once you have exercised Skip-A-Payment on a loan, that particular loan will be ineligible to skip again for 12 months.



Give us a call at 1(800) 323-2786 to speak to a Member Specialist about the Skip-A-Payment program
or fill out a digital form online!

*Some exclusions and restrictions may apply. See the Skip-A-Payment form for complete disclaimer and details. Federally insured by NCUA. Equal Housing Lender.

Home Equity Line of Credit Introductory Rate

The holidays are almost here which means another season of cold weather is upon us! Improving your home can help not only boost its value but reduce winter utility and maintenance costs. Of course, finding a way to fund such projects that won’t break your budget can be tough.

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 winter home remodel, looking to take a sunny vacation elsewhere, or needing extra holiday funds, 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.

High Points Savings/Interest Rewards Checking Dividend Rate & APY Increases

Beginning December 1st, current and future members will enjoy increased dividend rates and yields (APY) on our High Points Savings and Interest Rewards Checking accounts!



Please review the latest Savings, Checking, and Certificates Rate Sheet for more details.


Don’t have one of these accounts? Apply for an Interest Rewards Checking or a High Points Savings account online today or give us a call at 1-800-323-2786 to speak with one of our Member Specialists!


Disclosure: No dividends earned on Interest Rewards Checking if monthly criteria not met. See Membership & Account Agreement and Truth in Savings Disclosures for additional account details. The Annual Percentage Yields (APY) quoted are current as of the effective date listed above and are subject to change without notice. Penalty for early withdrawal of certificates is 90 days dividends for terms 12 months or less, 180 days dividends for terms greater than 12 months. Fees may reduce 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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