Being a member has never been so rewarding!
Membership Has Its Perks!
We are fully committed to making the most of our valued partnership with you! The more active you become with us, the more special perks and offers you’ll receive. Earn benefits from one, multiple, or all of the reward categories listed below—just for having all your banking in one place!
Curious about a specific benefit, or want to know more about our Relationship Rewards program? Send us a message at Contact@fourpointsfcu.org, or give us a call at 1(800) 323-2786!
Savings & Checking
For members who enjoy the financial freedom of a savings or checking account!
Qualifications: Any active Interest Rewards Checking, Purchase Rewards Checking, Regular Savings, or Money Market account
- Nationwide surcharge-free access to nearly 30,000 COOP Network ATMs
- Free debit card with no annual fee
- Free Mobile and Online banking services, including mobile deposit*
- Free bill pay services*
*Some services within Mobile & Online banking have separate processing fees.
Interest Rewards Checking
For members who want to earn the most from their Interest Rewards checking account!
Qualifications: An active Interest Rewards checking account with eStatements, electronic deposits, and debit card use
- Earn a premier dividend rate on your Interest Rewards checking account, up to $25,000**
- Earn an extra .05% APY dividend rate on active Money Market account balances**
- Access to Ampre Cash Back Rewards system with your Four Points FCU debit card
- Free box of checks annually
**Interest Rewards checking and Money Market must be on the same account number. See rate sheet and account disclosures for complete details. APY is Annual Percentage Yield.
Loans & Lending
For members who want to take advantage of even lower rates and offers when borrowing!
Qualifications: Any active auto, personal, or home loan
- Automatic loan payment discount***
- 2nd loan relationship discount***
- Eligibility for our lowest rate credit card, including no annual fee, balance transfer fee, or cash advance fee
- $100 processing fee discount on 1st lien position real estate loans
***Not all loans qualify for discount. Card offer subject to credit approval. See current loan rate sheet for details.
High Balance Accounts
For members who wish to maximize their saving potential!
Qualifications: Any active savings, checking, or money market account(s) with a combined balance of $50,000 or more
- Term Certificate rate matches****
- All overdraft transfer fees waived
- All wire transfer fees waived
- Higher Mobile & Online transfer limits, upon request
****Some limitations and exclusions may apply. Please contact us for more details.
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.