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.

“Switch to Saving” Youth Account Offer

We’re aiming to help the little ones build a financial future all March long!


All new Youth Savings accounts opened this month with an initial deposit of $25 or more
will receive an additional $25, compliments of Four Points FCU!




Those eligible new Youth Savings accounts will be entered to win a Nintendo Switch console!

Black Nintendo Switch Console


A Youth Savings account is the perfect tool to teach a child or teen financial responsibility and independence, and also
makes a great gift that will grow even bigger with time and further deposits.


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!

*New youth account members only. $25 deposit into savings will be made by Four Points after member deposit and successful account opening. $25 deposit by Four Points may be considered income and reported on 1099 MISC. Four Points Management reserves the right to limit or end this promotion at any time without notice. Promotional period will run March 1st, 2019 – March 31st, 2019. Please see account disclosures and rate and fee schedule for additional details. Federally insured by NCUA. 

NO PURCHASE NECESSARY. See Official Rules for how to enter without making a purchase. Final prize may vary in appearance from image listed.

Limited Time Certificate Promotions

2.95% APY for 24 months; $10,000 min., $5,000 must be new money.
A one-time rate step up can be requested during the term of the certificate before maturity.

(Begins 2/21/19)


Give us a call 1(800) 323-2786 for more information or apply online today!

Disclosure: A Step-Up certificate allows the member to initiate a request for a one-time rate increase based on current certificate rates at Four Points for the same regular (non promotional) certificate term any time prior to certificate maturity. 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 will automatically renew at maturity as a regular certificate for the same term. See account terms and disclosures for complete details. APY is Annual Percentage Yield. Federally insured by NCUA.

Become Financially Fit in 2019 With A New Checking Account!

We want to help you achieve your 2019 resolution to save more and become financially fit for the new year!


During January – March 2019, open any new Interest Rewards Checking account or Purchase Rewards Checking account with an opening balance of $50 or more and we’ll deposit $25 on your behalf! Not only that but we’ll deposit another $25 after your first direct deposit comes through.


Please review the latest Savings, Checking, and Certificates Rate Sheet for more account details and updated rates or call 1(800)323-2786 to speak with a qualified service specialist.

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.

Loan Discount Promotion

Enjoy your well-earned purchases this year with our special 2019 Loan Discount Promotion!  


During January – March 2019, when you are approved for any Four Points FCU Auto, Boat, RV, or Personal Loan, we will take an additional .25% off the rate of any second non-home loan you bring to us within 30 days of the original. Use this discount on your second loan to refinance another vehicle, consolidate debt, take a vacation–you name it!  


Please review the latest Auto & Personal Loan Rate Sheet for more details and current rates or call 1(800)323-2786 to speak with a qualified service specialist.

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.


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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