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Finance life’s moments with a personal loan

Put the power of your membership to work for your future.

APPLY NOW

Remember, life doesn’t always have the same plans you do. Being flexible is the key.

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Product	Term	APR
Member Loan Get the money you need with your good credit and no collateral. APPLY NOW	36	8.99% APR*
	60	9.99% APR*
Share Savings Security Loan Borrow up to the balance in your Share Savings account. APPLY NOW	36	Ask Us
Certificate of Deposit Secured Loan Borrow up to the balance in your Certificate of Deposit account. APPLY NOW	36	Ask Us
Ready Reserve Loan Need a little extra flexibility in your finances? Our Variable Rate Ready Reserve is a convenient line of credit linked to your checking account, designed to help you cover unexpected expenses or avoid overdrafts—automatically. APPLY NOW		Variable Rate - 18.000% APR*
Home Equity Line of Credit (HELOC) HELOC Summer Special Rates as low as 4.999% APR* for 12 months 24-hour access to your money in Online Banking Only pay interest on the funds you advance APPLY NOW		4.999% APR***

Disclosures

Rates Effective June 2, 2025.

All rates are subject to change.
All rates quoted are listed in percent.
Payment Examples:
Consumer Loan: $1,000.00 borrowed for 12 months with an APR of 6.00% would have a monthly payments of $86.07.
The payment example does not include amounts for taxes and insurance premium, if applicable, and that the actual payment obligation will be greater.
The terms listed are the maximum term available for qualified borrowers.

*APR = Annual Percentage Rate

**Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower’s credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Financial. Other conditions may apply.

*APR – Annual Percentage Rate. Closing costs varies from $0.00 to $1,000.00. Origination fee of $50. Ask a loan representative for details.

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