If you're looking for great rates look no further, we've got them. FivePoint Credit Union prides itself on offering extremely competitive rates from term share accounts (CDs) to auto rates.

Not only will you get great rates with FivePoint Credit Union, you'll also get great services. We stand behind each of our products and services. After all, our mission is to improve the quality of life for our members and the community.

    

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Savings and Checking Accounts

Type	Dividend Rate (%)	APY* (%)	Minimum to Open
Share Savings	0.25	0.25	$25.00
Share Draft Checking	0.15	0.15	$25.00
IRA Savings	0.25	0.25	$100.00

*APY= annual percentage yield
Dividends do not apply to Absolutely Free Checking Accounts.

Progressive Money Market Account
(Minimum to open $2,000.00)

Money Market Account Type	Amount	Dividend Rate(%)	APY*(%)
Silver	$2000.99-$24,999.99	0.75%	0.75%
Gold	$25,000.00-$49,999.99	0.95%	0.95%
Platinum	$50,000.00 and Over	1.05%	1.06%

*APY= annual percentage yield

IRA Share Certificates and Share Certificates (CDs)

Type	Dividend Rate (%)	APY* (%)	Minimum to Open for IRA Share Certificate	Minimum to Open for Share Certificate
3-Month	0.80	0.80	$1,000.00	$1,000.00
3-Month Mini Jumbo	0.90	0.91	$50,000.00	$50,000.00
3-Month Jumbo	1.00	1.01	$99,000.00	$99,000.00
6-Month	1.05	1.06	$1,000.00	$1,000.00
6-Month Mini Jumbo	1.15	1.16	$50,000.00	$50,000.00
6-Month Jumbo	1.25	1.26	$99,000.00	$99,000.00
12-Month	1.25	1.26	$1,000.00	$1,000.00
12-Month Mini Jumbo	1.35	1.36	$50,000.00	$50,000.00
12-Month Jumbo	1.45	1.46	$99,000.00	$99,000.00
24-Month	1.75	1.77	$1,000.00	$1,000.00
24-Month Mini Jumbo	1.85	1.87	$50,000.00	$50,000.00
24-Month Jumbo	1.95	1.97	$99,000.00	$99,000.00
60-Month	2.85	2.89	$1,000.00	$1,000.00
60-Month Mini Jumbo	2.95	2.99	$50,000.00	$50,000.00
60-Month Jumbo	3.05	3.10	$99,000.00	$99,000.00

A penalty will or may be imposed for early withdrawals.
*APY= annual percentage yield

Rates effective July 21, 2010.

Loan Rates for New and Used Autos, Boats, Travel Trailers & Motor Homes

Term (up to)	APR* As Low As
48 Months	5.25%	1/2% discount with automatic transfer from checking. Other discounts may apply.
60 Months	5.50%
72 Months	5.75%

*APR= annual percentage rate

MasterCard  

Type	APR*
Standard Card	Variable rate between 7.9% – 17.9%
Platinum	Variable rate between 7.9% – 17.9%
Secured MC	Variable rate between 7.9% – 17.9%

*APR = annual percentage rate
No annual fee, 25-day grace period

Line of Credit

Line of Credit	APR* As Low As
Line of Credit	8.00%

*APR= annual percentage rate

Home Equity Loans

Term (up to)	APR* As Low As
60 Months	5.25%
120 Months	5.75%
180 Months	6.00% (must be over $25,000)

*APR= annual percentage rate

Schedule of Fees

Inquiry/ATM cash withdrawal from account(s) No transaction fee at 13 offsite ATMs	$1.00 (at nonproprietary ATMs)
Transfer funds from account(s) to another account at ATM	$1.00 (at nonproprietary ATMs)
Counter check	$2.00 per 12
Teller check	$2.00
Money order	$2.00
Traveler's checks	$1.00 per $100.00
Traveler's checks for two	$1.50 per $100.00
Overdraft Protection Automatic Transfer Fee	$5.00 per transfer
Nonsufficient funds item (each)	$22.50
Account activity printout	$3.00
Account research	$15.00 per hour
Account balancing assistance	$15.00 per hour
Stop payments (all items)	$15.00
Outgoing domestic wire transfer	$15.00 per wire
Outgoing foreign wire transfer	$30.00
Copy of check	$2.00
Tax information	$3.00
Copy of a statement	$3.00
Return statement fee for incorrect addresses	$2.00 per statement
ATM/VISA Check Card reissue	$5.00
Collection item	Domestic: $20.00 per item International: $75.00 per item
Photocopies	$.25 each
Home Banking	No Charge
Bill Payer	No charge
Returned item fee (each)	$22.50
Overdraft fee (each)	$22.50
Deposited item return fee	$4.00 per item
Excess withdrawal	$10.00/occurrence for each check, draft or debit card withdrawal in excess of three (3) per calendar month
Excessive withdrawal fee for savings/money market accounts	$10.00/occurrence for each withdrawal in excess of six (6) per calendar month
Account closure fee	$25.00/ Primary account if closed within 90 days
Western Union wires	$22.50/transfer up to $500.00, $12.50 plus 2% of the principle/transfer $500.00 and above
Research fee for unrecognized disputed debit card transactions	$25.00
Home Banking/Electronic PC Fees	NSF Fee: $25.00 (in addition to Credit Union $22.50 NSF fee) Stop Payment Fee: $15.00 CD Payment History Order $25.00
Foreign Transactions	VISA 1% of the amount/per transaction calculated in US dollars

Rates are current as of June 2, 2010, and are subject to change after the account is opened. Account fees could reduce the earnings on the account. Please call our business offices to get the latest rates. Please call our offices at 409.962.8793, 409.892.5363, 409.751.5119, 409.738.2300, 409.726.8300 or 1.800.825.8829.