Four Points


Po Box 541030
Omaha, NE 68154
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.30% 0.85% →
1-Year CD 0.70% 0.70% →
2-Year CD 0.80% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Four Points is an NCUA insured institution located in Omaha, NE. It was founded in 1934 and has approximately $157.45 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 24753
Date Established 1934
Assets $157.45 million
Loans $87.87 million
Deposits $137.53 million
Capital $18.98 million

Field of Membership Restrictions

Membership is open to anyone living in Colorado, Kansas, Iowa, Nebraska, Missouri, South Dakota, or Wyoming through joining the Nebraska Consumer Council (available through the credit union). Membership is also open to select employer groups and to immediate family of existing members or those eligible for membership.

Deposit Rates - September 18, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.30% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More

Loan Rates - September 18, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for FOUR POINTS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 1907
2.808% 2.750% -0.25 $1,875 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.575% 2.500% 1.00 $2,468 $988 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Four Points branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Four Points Locations

Financial Details

Four Points Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Four Points. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Four Points U.S. Average
1.33% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Four Points had $221,481 in non-current loans and $36,425 in owned assets. To cover these potential losses it had $18,980,405 in net worth and $338,743 in loans loss reserves. That gives it a Texas Ratio of 1.33%.

Net Worth
Four Points U.S. Average
12.05% 12.20%

Four Points FCU has a net worth of 12.05% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Four Points

Branches and Savings

What is Four Points?

A federal credit union, registered with the NCUA under certificate #24753.
Learn more about credit unions here.

Is Four Points FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Four Points is insured by the NCUA.

Who can join Four Points?

Please see Field of Membership information above for information on who is eligible to join.

What are Four Points's share account and share certificate rates?

Four Points's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Four Points?

Four Points has total capital of $18.98 million. Full information on Four Points's financial position is located above.

Who owns Four Points?

Credit Unions are owned by their members.

Where are Four Points branches located?

See branch locations nearby.

Are Four Points ATMs Open 24/7?

Do Four Points ATMs accept cash deposits?

Can Four Points customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Four Points have a mobile app?

Does Four Points have mobile deposit?

Does Four Points have quick pay?

How can Four Points transfer money to other banks or credit unions?

Does Four Points report to credit bureaus?

Does Four Points use Chexsystems?

Does Four Points use Equifax?

What is Four Points's toll free phone number?

What is Four Points's ACH Routing Number?

What is Four Points's SWIFT code?

Where can I find Four Points's wire transfer form?

What is the Four Points address for deposits?

What Products Does Four Points Offer

Does Four Points offer mortgages?

Compare mortgage rates here.

Does Four Points offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Four Points offer auto and RV loans?

Compare auto loan rates here.

Does Four Points offer student loans or personal loans?

Compare personal loan rates here.

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