Who is SouthPoint?
SouthPoint Financial Credit Union is a not-for-profit, member-owned cooperative serving over 33,000 members across southern Minnesota. We’re proud to partner with Centra Sota to offer personalized financial solutions that support your farm, business, and personal goals.
Why SouthPoint?
At SouthPoint, we believe in the power of partnership. As a member-owned cooperative, we’re here to serve—not to profit. Whether you’re financing a new venture or simply exploring your options, we’re proud to stand beside Centra Sota in supporting your financial journey with personalized service and local expertise.
- Local & Cooperative: Like Centra Sota, we’re rooted in community and built on cooperative values.
- Flexible Financing: We understand the seasonal and cyclical nature of agriculture and small business. Our lending policies are designed to support productive and prudent borrowing.
- Full-Service Support: From mortgages and insurance to business loans and investment services, we offer comprehensive financial tools under one roof.
Used Machineary Loan Special
Farm & Agribusiness Solutions
Your farm is more than a business—it’s a legacy. SouthPoint understands the unique challenges and opportunities of agriculture, and we’re committed to helping you grow with flexible financing, risk management tools, and cooperative support tailored to your operation.
- Operating Loans & Equipment Financing
- Real Estate Loans
- Participation Loans with other cooperatives and financial institutions
- Insurance & Risk Management through SouthPoint Insurance Agency
Personal Banking Services
Life moves fast, and your finances should keep up. From everyday banking to major milestones, SouthPoint offers simple, smart solutions designed to fit your lifestyle. As a cooperative, we put your needs first—because when you thrive, we all do.
- Checking & Savings Accounts
- Home Mortgages
- Auto & Personal Loans
- Online & Mobile Banking
- And so much more!
Business Services
Your business deserves a financial partner that’s invested in your success. SouthPoint provides the tools and guidance to help you manage cash flow, expand operations, and plan for the future—all with the personal touch of a local cooperative.
- Commercial Lending
- Business Checking
- Merchant Services
- Investment & Retirement Planning
- Business Insurance
Join the Cooperative Movement
SouthPoint is more than a financial institution—we’re a partner in your success. Whether you’re a farmer, entrepreneur, or family member, we’re here to help you grow.