Fivepoint Credit UnionSignature VisaRegistry illustration · issuer artwork unavailable

Signature VisaFivepoint Credit Union · state credit union, TX · NCUA 68643

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

None

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	NoneFIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“None”FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	$0, NoneFIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“None”FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Other fees	$0, NoneFIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“None”FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Signup bonuspoints award	5,000 points. Spend $500 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. 5,000 points forFIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“5,000 points for”FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Signup source conditions	$500 in spend for theFIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$500 in spend for the”FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Signup source conditions	first 90 daysFIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“first 90 days”FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Purchase rewardsNot disclosed	1.5 points per $1. See source conditions for eligible purchases.FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“You'll earn 1.5 points for every dollar spent, and your points can be redeemed for merchandise, gift cards, or a statement credit.”FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsPurchase rewards	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. You'll earn 1.5 points for every dollar spent, and your points can be redeemed for merchandise, gift cards, or a statement credit.FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“You'll earn 1.5 points for every dollar spent, and your points can be redeemed for merchandise, gift cards, or a statement credit.”FIVEPOINT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Credit Card Agreement and Disclosurepage 1 of 3

P.O. BOX 1366 3700 Skyline Drive Nederland, Texas 77627 (800) 825-8829 (409) 962-8793 www.5pointcu.org

STANDARD, PLATINUM, PLATINUM WITH REWARDS, AND SIGNATURE VISA CREDIT CARD AGREEMENT AND DISCLOSURE

CREDIT CARD AGREEMENT AND DISCLOSURE Interest Rates and Interest Charges · Platinum with Rewards · Standard Visa · Platinum Visa · Signature Visa ANNUAL PERCENTAGE RATE (APR) for Purchases and Balance Transfers · _______________ % . Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new non- discount rate on the first day of the billing cycle. After that, your APR will be % . This APR will vary with the market based on the Prime Rate. ANNUAL PERCENTAGE RATE (APR) for Cash Advances · % How to Avoid Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases or balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $ charge will be charged on any dollar amount. · . The minimum interest For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore Fees Annual Fee · None Transaction Fees Foreign Transactions · % of each transaction in U.S. Dollars completed outside the U.S. % of each transaction in U.S. Dollars completed in foreign currency. Penalty Fees Late Payment Returned Payment · Up to $29.00 Up to $29.00

How We Will Calculate Your Balance: We use a method called 'Average Daily Balance (including new purchases)'. See your account agreement for more details.

Loss of Introductory APR: We may end your introductory APR if you make a late payment. With the loss of your Introductory APR, your APR for Standard and Platinum Visa will be a variable rate of _______% - _______%, Platinum with Rewards Visa will be a variable rate of _______%-_______% and Signature Visa will be a variable rate of _______%-_______%.

Other Disclosures Late

Payment Fee Returned

Payment Fee Document

Copy Fee

Expedited Fee

$29.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

$29.00 or the amount of the required minimum payment, whichever is less.

$ 5.00

$55.00 Input Today, FedEx Today. Request received before 10:30 a.m. on a business day

Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates.

The Purchase APR is ____________________%, which is a daily periodic rate of ____________________%.

The Introductory Purchase APR is ____________________%, which is a daily periodic rate of ____________________%.

The Introductory Balance Transfer APR is ____________________%, which is a daily periodic rate of ____________________%.

Variable Rate:

The Cash Advance APR is ____________________%, which has a daily periodic rate of ____________________%.

The Balance APR is ____________________%, which is a daily periodic rate of ____________________%.

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on the last business day of each month of each year as published in The Wall Street Journal 'Money Rates' table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.

Margin

Purchases and Balance Transfers will be charged a ____________________% above the Index.

1 2 3No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

FIVEPOINT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874
“None”
Open source link ↗
FIVEPOINT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874
“None”
Open source link ↗
FIVEPOINT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874
“None”
Open source link ↗
FIVEPOINT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874
“5,000 points for”
Open source link ↗
FIVEPOINT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874
“$500 in spend for the”
Open source link ↗
FIVEPOINT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874
“first 90 days”
Open source link ↗
FIVEPOINT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874
“You'll earn 1.5 points for every dollar spent, and your points can be redeemed for merchandise, gift cards, or a statement credit.”
Open source link ↗
FIVEPOINT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874
“15.00% – 17.75%”
Additional source detail; structured values remain unknown. APR retained verbatim but not materialized: the supplied inputs contain no capture date and no usable literal ISO effective date. No effective date is inferred.
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Application fee, Balance transfer fee, Rewards, Signup bonus

Offered through: Fivepoint Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68643
Branches: 9 in TX
Sources: Official issuer · 1 document · 0 pages cited

Documents

Credit Card Agreement and Disclosureeffective date not parsedName declaration: Signature Visa · page 1

Signature VisaFivepoint Credit Union · state credit union, TX · NCUA 68643

Rates and fees