Credit union · NCUA insured
5Point Credit Union CD Rates
5Point Credit Union’s best CD rate is 4.24% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How 5Point Credit Union’s CD rates compare
Compared with banks and credit unions near Beaumont, TX, where 5Point Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
5Point Credit Union
4.04%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $404
Share Certificates
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
2nd-highest rate
Rave Financial
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
5Point Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.89%
- 9–15 months9–15 mo4.04%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.04%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 5Point Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.04%APY · 6 terms
A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
| Term | APY · $1,000 and up | APY · $1,000 – $50,000 | APY · $50,000 and up | APY · $50,000 – $99,000 | APY · $99,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 monthsTier 1 (91-Day) | 2.53% | — | — | — | — | 2.53% | $63 |
| 3 monthsTier 2 (91-Day) | — | — | 2.63% | — | — | —2.63% from $50k | — |
| 3 monthsTier 3 (91-Day) | — | — | — | — | 2.74% | —2.74% from $99k | — |
| 6 monthsTier 1 | — | 3.89% | — | — | — | 3.89% | $193 |
| 6 monthsTier 2 | — | — | — | 4.00% | — | —4.00% $50k–$99k | — |
| 6 monthsTier 3 | — | — | — | — | 4.09% | —4.09% from $99k | — |
| 12 monthsTier 1 | — | 4.04% | — | — | — | 4.04% | $404 |
| 12 monthsTier 2 | — | — | — | 4.14% | — | —4.14% $50k–$99k | — |
| 12 monthsTier 3 | — | — | — | — | 4.24% | —4.24% from $99k | — |
| 24 monthsTier 1 | 3.60% | — | — | — | — | 3.60% | $733 |
| 24 monthsTier 2 | — | — | 3.70% | — | — | —3.70% from $50k | — |
| 24 monthsTier 3 | — | — | — | — | 3.80% | —3.80% from $99k | — |
| 36 monthsTier 1 | — | 3.51% | — | — | — | 3.51% | $1,090 |
| 36 monthsTier 2 | — | — | — | 3.61% | — | —3.61% $50k–$99k | — |
| 36 monthsTier 3 | — | — | — | — | 3.71% | —3.71% from $99k | — |
| 60 monthsTier 1 | 3.75% | — | — | — | — | 3.75% | $2,021 |
| 60 monthsTier 2 | — | — | 3.86% | — | — | —3.86% from $50k | — |
| 60 monthsTier 3 | — | — | — | — | 3.96% | —3.96% from $99k | — |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.04%APY · 6 terms
A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
| Term | APY · $1,000 and up | APY · $1,000 – $50,000 | APY · $50,000 and up | APY · $50,000 – $99,000 | APY · $99,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 monthsTier 1 (91-Day) | 2.53% | — | — | — | — | 2.53% | $63 |
| 3 monthsTier 2 (91-Day) | — | — | 2.63% | — | — | —2.63% from $50k | — |
| 3 monthsTier 3 (91-Day) | — | — | — | — | 2.74% | —2.74% from $99k | — |
| 6 monthsTier 1 | — | 3.89% | — | — | — | 3.89% | $193 |
| 6 monthsTier 2 | — | — | — | 4.00% | — | —4.00% $50k–$99k | — |
| 6 monthsTier 3 | — | — | — | — | 4.09% | —4.09% from $99k | — |
| 12 monthsTier 1 | — | 4.04% | — | — | — | 4.04% | $404 |
| 12 monthsTier 2 | — | — | — | 4.14% | — | —4.14% $50k–$99k | — |
| 12 monthsTier 3 | — | — | — | — | 4.24% | —4.24% from $99k | — |
| 24 monthsTier 1 | 3.60% | — | — | — | — | 3.60% | $733 |
| 24 monthsTier 2 | — | — | 3.70% | — | — | —3.70% from $50k | — |
| 24 monthsTier 3 | — | — | — | — | 3.80% | —3.80% from $99k | — |
| 36 monthsTier 1 | — | 3.51% | — | — | — | 3.51% | $1,090 |
| 36 monthsTier 2 | — | — | — | 3.61% | — | —3.61% $50k–$99k | — |
| 36 monthsTier 3 | — | — | — | — | 3.71% | —3.71% from $99k | — |
| 60 monthsTier 1 | 3.75% | — | — | — | — | 3.75% | $2,021 |
| 60 monthsTier 2 | — | — | 3.86% | — | — | —3.86% from $50k | — |
| 60 monthsTier 3 | — | — | — | — | 3.96% | —3.96% from $99k | — |
Sources (2)
All captured Sep 17, 2026
Who can join 5Point Credit Union
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