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.

18 & 24 Month Certificate Promotions

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

2.90% APY for 24 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.

Four Points Explore Rewards Credit Card

A Four Points Explore Credit Card can help you get everything you need from daily necessities, home improvements, holiday shopping, and more!

No matter what you buy, you’ll enjoy no annual fee, no cash advance fee, and no balance transfer fee–plus these great introductory rates:


Premier Card: 2.95%* Promotional Rate
(current standard APR is 9.25%)

Rewards Card: 2.95%* Promotional Rate
(current standard APR is 11.25%)

Classic Card: 4.95%* Promotional Rate
(current standard APR is 13.25%)


Learn more about the Four Points FCU Explore Credit Card or apply online today!

*Promotional Rate is effective for six billing cycles on every purchase made from 9/1/2018 – 12/31/2018. After six billing cycles, promotional rate will return to our standard competitive rates. Subject to Credit Approval. Rates and card eligibility based on your creditworthiness. Inquire at Four Points or go to www.fourpointsfcu.org for complete credit card disclosure and details. Rewards available with Four Point’s Explore Rewards Card only.

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.

Fall Auto Promotion

You’ll fall for our great Auto Promotion this season — 3.95% for up to 72 months!


Apply online today or call us at 1-800-323-2786 to take advantage of this great offer.

Disclosure: Some conditions and exclusions apply, see terms and conditions for more details. Fixed rates start as low as 3.95% APR with terms available up to 72 months based on amount borrowed. Rates are based on creditworthiness. 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 2014 or newer. Requires automatic loan payments, no additional discounts apply. Rates and terms subject to change at any time. Inquire at Four Points for complete terms and conditions. Payment example based on vehicle loan of $25,000 for 72 months at 3.95% APR is $390.56. 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.