Your financial future starts with a solid savings plan

Saving for the future is the point. It's how you make plans and look forward to your someday.

APPLY NOW

Savings Accounts A simple yet effective way to plan ahead.

Product	Minimum	Maximum	Rates
Membership Savings This account is accessible in Online and Mobile Banking, earns dividends, comes with no monthly fees, and is fully insured. APPLY NOW	Above $0		0.100% APY*
Holiday Club Plan ahead for the holidays with weekly or monthly deposits to this interest earning account. APPLY NOW	$0	$5,000.00	0.501% APY*
	$5,000.01+		0.150% APY*
Premium Savings This insured, totally liquid, dividend earning account earns more with higher balances. APPLY NOW	$0	$2,499.99	0.050% APY*
	$2,500.00	$9,999.99	0.560% APY*
	$10,000.00	$24,999.99	0.760% APY*
	$25,000.00	$49,999.99	0.760% APY*
	$50,000.00	$99,999.99	1.110% APY*
	$100,000.00	$249,999.99	1.860% APY*
	$250,000.00	$499,999.99	2.360% APY*
	$500,000.00	$999,999.99	2.360% APY*
	$1,000,000.00 +		2.760% APY*
UrChoice Savings Looking for another savings account, open a UrChoice Savings account that you can use for any purpose! There is no minimum balance required with this account. APPLY NOW	Above $0		0.100% APY*
EzMoney Savings+ This is where you start if you’re 24 or younger and have $5,000 or less you want to save for the future. APPLY NOW	$0	$5,000.00	4.074% APY*
	$5,000.01+		0.150% APY*
Health Savings Account (HSA) Get more control over your healthcare expenses with this account and a HSA-compatible high deductible health plan. APPLY NOW	$0	$2,499.99	2.018% APY*
	$2,500.00	$9,999.99	2.018% APY*
	$10,000.00	$24,999.99	2.018% APY*
	$25,000.00	$49,999.99	2.018% APY*
	$50,000.00	$50,000.00 +	2.018% APY*
Traditional & Roth IRA Choose between the tax-deductible benefits of a Traditional IRA or the tax-free earning growth of a Roth IRA. APPLY NOW	IRA Savings		0.752% APY*

Certificates + Investments Earn more from your money with a fixed-date maturity.**

Product	Minimum	Maximum	Rates
Money Market Certificates Choose a term from 3 months to 5 years with a $1,000 opening balance and earn a competitive rate. APPLY NOW	$1000	3 months	1.700% APY*
	$1000	6 Months	2.500% APY*
	$1000	12 Months	3.000% APY*
	$1000	18 Months	3.250% APY*
	$1000	24 months	3.400% APY*
	$1000	36 months	3.200% APY*
	$1000	60 months	3.250% APY*
Step-Up Certificate This account allows you to boost your rate up with changes in the market. APPLY NOW	$1000	24 months	3.350% APY*
	$1000	36 months	3.150% APY*
Traditional & Roth IRA Certificate Lock a minimum of $2,500 away and earn a competitive rate. APPLY NOW	$2,500	3 Months	1.700% APY*
	$2,500	6 Months	2.500% APY*
	$2,500	12 Months	3.000% APY*
	$2,500	18 Months	3.250% APY*
	$2,500	24 Months	3.400% APY*
	$2,500	36 Months	3.200% APY*
	$2,500	60 Months	3.250% APY*

Certificate Specials Tackle Big Savings.

Product	Minimum	Maximum	Rates
Money Market Certificate Specials It’s time to turn over a new financial leaf. Open a NEW limited-time 5- or 11-month Certificate of Deposit rates—available for a limited time only. Certificate of Deposit Specials are available as Traditional or Roth. APPLY NOW	$1000	5 Months+++ Current Deposits at SouthPoint	3.800% APY*
	$1000	5 Months+++ with new deposits	3.850% APY*
	$1000	11 Months+++ Current Deposits at SouthPoint	3.800% APY*
	$1000	11 Months+++ with new deposits	3.850% APY*

Disclosures

Rates effective as of May 28, 2025.

Click here for required Truth & Savings Disclosure
Fees may reduce earnings on the account.

*APY = Annual Percentage Yield
**Traditional and Roth IRA Certificate is a 24 month Certificate with a $2,500.00 minimum balance.

+EzMoney Savings is a high yield savings account for students aged 0-24 and eStatements are required. A checking account is required to have this account for students age 15 – 24.

+++APY=Annual Percentage Yield. Rates Effective as of September 10, 2025. Promotion for 5-Month Certificate is for a limited time only. The minimum balance to open an 5-Month certificate, when offered, is $1,000. To obtain the 3.950% APY your total deposit (100%) must be comprised of new money (not previously on deposit with SouthPoint Financial Credit Union). If any portion of your initial certificate of deposit is currently on deposit with SouthPoint Financial Credit Union you will receive a rate of 3.900% APY on your new 5-Month Certificate. Certificate rate remains fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity of Certificate. Limit of $1,000,000 deposited per household. The 5-Month Certificate promotion will roll into a 6-Month Certificate at maturity. Rates Promotion for 11-Month Certificate is for a limited time only. The minimum balance to open a 11-Month certificate, when offered, is $1,000. To obtain the 3.950% APY your total deposit (100%) must be comprised of new money (not previously on deposit with SouthPoint Financial Credit Union). If any portion of your initial certificate of deposit is currently on deposit with SouthPoint Financial Credit Union you will receive a rate of 3.900% APY on your new 11-Month Certificate. Certificate rate remains fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity of Certificate. Limit of $1,000,000 deposited per household. The 11-Month Certificate promotion will roll into a 12-Month Certificate at maturity. Federally Insured by NCUA.

All certificate specials are available as Traditional or Roth. Federally Insured by NCUA. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates.

Your financial future starts with a solid savings plan

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