Credit union · NCUA insured
5Point Credit Union Savings Rates
5Point Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How 5Point Credit Union’s savings 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
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
High-Yield Savings Account
Top rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
3rd-highest rate
MCT Credit Union
2.01%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $201
5Point Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.60%
- QualifiedQualified3.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.40%APY
Enjoy a higher rate of return on your balance while keeping the flexibility to make unlimited in-person withdrawals and/or six other transactions monthly. Fees could reduce earnings on this account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Fees could reduce earnings on this account. | 0.20% | — | Fees could reduce earnings on this account. |
| $2,000 – $25,000Fees could reduce earnings on this account. | 0.40% | $40 | Fees could reduce earnings on this account. |
| $25,000 – $50,000Fees could reduce earnings on this account. | 0.50% | — | Fees could reduce earnings on this account. |
| $50,000 – $500,000Fees could reduce earnings on this account. | 0.60% | — | Fees could reduce earnings on this account. |
| $500,000 and upFees could reduce earnings on this account. | 1.25% | — | Fees could reduce earnings on this account. |
Sources (2)
All captured Oct 6, 2026
Share Savings
0.20%APY
Variable-rate account; rate may change after account is opened. Fees could reduce earnings. Access online, at any location, or via ATM. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 6, 2026
High-Yield Savings Account
0.00%APY on $10,000
Must have a linked High-Yield Checking or Cash Back Checking account. No minimum balance required to earn rewards ($0.01 minimum balance to earn rewards). No monthly service fees. No minimum opening deposit. Qualification requirements per Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/debit, at least 15 debit card purchases, and enrollment in eStatements. Dividends credited on the last day of the statement cycle. Membership required.
| Part of the balance | Rate on that part |
|---|---|
| Over $100,000 | 0.50% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Special-purpose accounts
First Savings Account
0.25%APY on $10,000
Must have a linked First Spending account. For younger members. No minimum balance required to earn rewards ($0.01 minimum balance to earn rewards). No monthly service fees. No minimum opening deposit. Qualification requirement: enroll in and agree to receive eStatements instead of paper. Dividends credited on the last day of the statement cycle. Membership required.
| Part of the balance | Rate on that part |
|---|---|
| Over $5,000 | 0.50% |
On $10,000 the tiers blend to about 0.25% APY, earning $25 a year.
IRA Savings
0.20%APY
Variable-rate account; rate may change after account is opened. Fees could reduce earnings. Retirement savings with tax advantages. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 6, 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.