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Finance life’s moments with a personal loan

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

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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	7.99% APR*
	60	8.990% 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 Finance anything for up to 60 months and enjoy low monthly payments. APPLY NOW		15.000% APR*
Home Equity Line of Credit (HELOC) Rates as low as 4.99% APR* for 12 months After 12 months rate will vary between 7.00% – 18.00% based on your creditworthiness. 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 November 8, 2022

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. As low as 3.99% APR for 12 months from closing date. After 12 months rate will vary between 5.75% – 18.00% APR based on your creditworthiness. For new HELOCs only. Must maintain a balance greater than zero on the HELOC for the first twelve (12) months If you fail to comply with this criterion the interest rate on your HELOC will increase to the variable rate stated on the Home Equity Line Agreement and Disclosure statement even if the twelve (12) months are not up yet. $299 closing costs may not be available in all states and does not include cost of appraisal. Must carry insurance that secures this plan. Closing costs varies from $0.00 to $1,000.00. Origination fee of $50. Ask a loan representative for details.

Finance life’s moments with a personal loan

Assess Your Lending Needs

Check Your Credit

Gather Documents

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