Current Rates & Promotions

Four Points Federal Credit Union offers great rates on auto loans, personal loans, credit cards, mortgages, accounts and more. Access our rates and check out our promotions below. Questions? Please e-mail us at or call us at 1(800) 323-2786, or visit our Omaha, Nebraska branch.

HELOC Low Introductory Rate

A woman looking over colors of paint for a home remodel.


Upgrade your home, take a vacation, or treat yourself with the flexibility and low rates of a Home Equity Line of Credit! For a limited time, we have a special introductory rate available to help you get started on those projects or travel plans even faster.



Rates starting as low as

2.75% APR

for 36 months; rates variable after introductory period

Apply online by clicking below or calling 1(800) 323-2786!

Valid 6/1/2021 – 9/30/2021. Promotion subject to change or end without prior notice. Rates start as low as 2.75% for introductory 36 month rate period; after that, the rate is variable and the maximum APR is 18%. Rates are based on creditworthiness and loan to value. Loan must be secured by primary residence. Subject to Credit Approval. Minimum required loan amount is $10,000 in new or additional line of credit limit. See lender for applicable closing costs. Application must occur during promotional period. Four Points FCU is an Equal Housing Lender. Federally insured by NCUA.

Spring Auto Special

A dog pokes his head out of a moving car window to catch the breeze.

Drive home a new vehicle with a safe and secured auto loan from Four Points FCU!


Auto Loan Rates starting as low as

2.39% APR

for a 60 month car loan term


2.59% APR

for a 72 month car loan term


2.99% APR

for a 84 month car loan term


Apply online by clicking below or calling 1(800) 323-2786!

Fixed rates start as low as 2.39% APR. Rate subject to creditworthiness (720 FICO or better). Subject to credit approval. Minimum required loan amount is $10,000 in new loan money to Four Points. Loan needs to be secured by an automobile that is a 2017 or newer model year. Requires automatic loan payments, no additional discounts apply. Payment example based on vehicle cost of $30,000 for 72 months at 2.59% APR is $451.31. Inquire at Four Points for complete terms and conditions. Promotion subject to change or end without notice. Valid 4/1/2021 – 6/30/2021. Federally insured by NCUA.

New Member Bonus

A stack of hundreds lined up.

New Four Points FCU members can earn $200, just for completing the following tasks:


Open any new FPFCU checking account with $100 or more


Make two or more direct deposits, totaling $1,000 or more


Register for Online/Mobile Banking


Sign up for eStatements


Make fifteen (15) or more purchases with your new account debit card

Open an account online by clicking below or calling 1(800) 323-2786!

Promotion open to new Four Points FCU members without a previous account relationship in the past 12 months.  $200 bonus is earned if the following occur within 90 days of a new member checking account being established: 1) Make an opening deposit of $100 or more; 2) Make two or more payroll direct deposit occur, totaling $1,000 or more; 3) Register for Online/Mobile Banking; 4) Opt into e-statements.; 5) Make fifteen or more point of sale (POS) purchases with your debit card connected to the corresponding new checking account. If all promotion criteria listed are met, $200 will be credited to the checking account within 60 days after the initial 90 day qualification period expires if account is still open and in good standing. All incentives reported as dividends. See account terms and disclosures for complete account details. Promotion and terms subject to change or end without notice. Valid 3/17/21 – 6/30/21. 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, loan, certificate, 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 members come first.

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