Current Rates & Promotions

Disclosure: Promotional incentives valid for new or existing members without an existing checking account relationship in the past six months. All incentives will be reported as dividends on a 1099-INT. Dividend rate up to 2.00% APY available on Interest Rewards checking, some exclusions apply. See rate sheet and member disclosures for account details. Direct Deposit must occur within thirty days of account opening. Additional $25 incentive for direct deposit will be paid within forty five days of the direct deposit occurring. Management reserves the right to end promotional offer at any time without prior notice. Offer Ends March 31, 2019. Federally insured by NCUA. Four Points is an Equal Housing Lender.

Disclosure: Rates are based on creditworthiness. Subject to credit approval. New money only. Discount for second loan available on auto, other secured (non real estate), and personal installment loans only. Discount requires approval and funding of the first loan during promotional period and automatic loan payments. Rates and terms subject to change at any time. Inquire at Four Points for complete terms and conditions. Federally insured by NCUA. Four Points is an Equal Housing Lender.

Disclosure: Rates subject to change at any time. 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 renewals not automatically included. See account terms and disclosures for complete details. APY is Annual Percentage Yield. Federally insured by NCUA.

*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.