Credit union · NCUA insured
5Point Credit Union Credit Card Rates
5Point Credit Union credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How 5Point Credit Union’s credit card rates compare
Compared with banks and credit unions near Beaumont, TX, where 5Point Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
5Point Credit Union
11.00%APR
- Up to
- 18.00% APR
Platinum
Lowest rate
Eastex Credit Union
6.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
Golden Triangle Federal Credit Union
8.90%APR
- Up to
- —
5Point Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 5Point Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum
Membership required; credit and rate subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.90% | None | Introductory rate for 6 months. |
| Ongoing | 11.00%–18.00% | None | Rate may change after the account is opened. 25-day grace period. Membership required. |
Sources (2)
All captured Oct 16, 2026
Platinum Rewards
Membership required; credit and rate subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.90% | None | Introductory rate for 6 months. |
| Ongoing | 12.50%–18.00% | None | Rate may change after the account is opened. 25-day grace period. Membership required. |
Sources (2)
All captured Oct 16, 2026
Signature
Minimum credit score to qualify is 640. Minimum limit is $5,000. Membership required; credit and rate subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.90% | None | Introductory rate for 6 months. |
| Ongoing | 14.50%–17.25% | None | Rate may change after the account is opened. 25-day grace period. Membership required. |
Sources (2)
All captured Oct 16, 2026
Who can join 5Point Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.