Savings Rates

Savings

Dividend Rate

APY*

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

Rates effective as of April 9, 2024.

Membership Savings

0.100

0.100

EzMoney Savings - For portion of account balance up to $5,000.00

4.000

4.074

EzMoney Savings - For portion of account balance that exceeds $5,000.00

0.150

0.150

Premium Savings $0 - $2,499.99

0.050

0.050

Premium Savings $2,500.00 - $9,999.99

0.050

0.050

Premium Savings $10,000.00 - $24,999.99

0.995

1.000

Premium Savings $25,000.00 - $49,999.99

0.995

1.000

Premium Savings $50,000.00 - $99,999.99

1.243

1.250

Premium Savings $100,000.00 - $249,999.99

1.490

1.500

Premium Savings $250,000.00 - $499,999.99

1.736

1.750

Premium Savings $500,000.00 - $999,999.99

1.736

1.750

Premium Savings $1,000,000.00 +

1.982

2.000

Holiday Club $0 - $5,000

0.500

0.501

Holiday Club $5,000.01+

0.150

0.150

IRA Savings

0.750

0.752

UrChoice Savings

0.100

0.100

Premium Checking

Dividend Rate

APY*

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*Variable rates. Rate may change after the account is open
**Tier 1 – No requirements
***Tier 2 – eStatements, & Direct Deposit of $500 or more monthly
****Tier 3 – eStatements, Direct Deposit of $500 or more monthly, & 25 or more debit card purchases
Fees may reduce earnings on the account.

Rates effective as of April 1, 2024.

Tier 1** $0+

0.000

0.000

Tier 2*** $0+

0.010

0.010

Tier 3**** $0 - $20,000.00

2.500

2.529

Tier 3**** $20,000.01+

0.010

0.010

Other Checking

Dividend Rate

APY*

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*Variable rates. Rate may change after the account is open
Fees may reduce earnings on the account.

Rates effective as of April 1, 2024.

Basic Checking

0.000

0.000

EzMoney Checking $0 - $5,000.00

0.010

0.010

EzMoney Checking $5,000.01 +

0.010

0.010

Special Certificate Rates

Certificates

Dividend Rate

APY*

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

+++APY=Annual Percentage Yield. Rates Effective as of April 29, 2024. Promotion for 10-Month Certificate is for a limited time only. The minimum balance to open a 10-Month certificate, when offered, is $1,000. To obtain the 4.750% 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 4.650% APY on your new 10-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 10-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.

10 Month Certificate - Current Deposits at SouthPoint+++

4.597

4.650

10 Month Certificate - with new deposits+++

4.695

4.750

Certificate Rates

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Certificates

Dividend Rate

APY*

apply now

Rates effective as of April 29, 2024

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

*APY = Annual Percentage Yield
**Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Certificate rates remain fixed for the term of the certificate.
A penalty may be imposed for withdrawals before maturity on certificates.

3 Month Certificate

0.920

0.923

6 Month Certificate

2.100

2.111

12 Month Certificate

2.500

2.515

18 Month Certificate

2.450

2.465

24 Month Certificate

2.900

2.921

36 Month Certificate

2.750

2.768

60 Month Certificate

3.000

3.023

24 Month Step Up Certificate

2.850

2.870

36 Month Step Up Certificate

2.700

2.718

3 Month IRA Certificate**

0.920

0.923

6 Month IRA Certificate**

2.100

2.111

12 Month IRA Certificate**

2.500

2.515

18 Month IRA Certificate**

2.450

2.465

24 Month IRA Certificate**

2.900

2.921

36 Month IRA Certificate**

2.750

2.768

60 Month IRA Certificate**

3.000

3.023

24 Month IRA Step Up Certificate**

2.850

2.870

HSA Rates

Health Savings Account (HSA)

Dividend Rate

APY*

apply now

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

Rates effective as of April 1, 2024.

*APY = Annual Percentage Yield

$0 - $2,499.99

2.000

2.018

$2,500.00 - $9,999.99

2.000

2.018

$10,000.00 - $24,999.99

2.000

2.018

$25,000.00 - $49,999.99

2.000

2.018

$50,000.00 and above

2.000

2.018

SouthPoint Financial Credit Union offers mortgages through SouthPoint Home Mortgage, a wholly owned division of SouthPoint Financial Credit Union. All information regarding mortgages may be found on their website, www.southpointhomemortgage.com or by calling SouthPoint Home Mortgage at 877-636-5346.

Visa Credit Cards

VISA Credit Card

APR*

Click to learn more about our Credit Cards

apply  now

Rates effective as of September 7, 2023

All rates are subject to change.
All rates quoted are listed in percent.
Payment Example:
Consumer Loan: $1,000.00 borrowed for 12 months with an APR of 6.00% would have a monthly payments of $86.07.
The terms listed are the maximum term available for qualified borrowers.

*APR = Annual Percentage Rate

** A secured credit card requires funds that equal the credit limit be deposited and held in your SouthPoint Regular Savings Account.

Foreign Transaction Fee – 1.00% of each multiple currency transaction in U.S. dollars. 0.80% of each single currency transaction in U.S. dollars.

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.

Platinum Rewards

17.50%-18.00%

Platinum Select

15.50%-18.00%

Platinum Secured Card**

7.00%

Vehicle Loans

Loan Type

APR* As low as

apply now

Rates effective as of April 1, 2024

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

***Rate listed is our lowest possible rate for 36 months. 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.

New & Used Auto & Truck***

5.74%

Boat, Motorcycle, ATV, PWC, Snowmobile, Trailer, other***

6.74%

RV/Camper***

6.24%

Business Checking

Business Checking

Dividend Rate

APY*

Rates effective as of April 1, 2024

*APY = Annual Percentage Yield
Click here for required Truth & Savings Disclosure
Fees may reduce earnings on the account.

$0 - $999.99

0.000

0.000

$1,000.00 - $9,999.99

0.050

0.050

$10,000.00 - $24,999.99

0.050

0.050

$25,000.00 - $49,999.99

0.050

0.050

$50,000.00 and above

0.150

0.150

Consumer Loans

Loans

Interest Rate

APR*

Term

What you should know about Home Equity Lines of Credit
Home Equity Early Disclosures

++ APR – Annual Percentage Rate. No closing costs may not be available in all states and does not include cost of a full appraisal or full title work if needed. Promotional interest rate is as of April 22, 2024 and is subject to change. Home Equity Line of Credit – as low as 5.99% APR for 12 months from the closing date. After 12 months, rate will vary between 5.99% – 18.00% based on your creditworthiness. Minimum disbursement of $15,000 is required. 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. Home Equity Loan – as low as 5.99% APR for the initial five-year or ten-year fixed rate period. After the initial period, the new interest rate for each change date will be calculated by adding the original margin to the current index. Maximum loan amount is $100,000. $10,000 in new money is required for any refinance of an existing SouthPoint loan. Federally Insurance by NCUA. Equal Housing Opportunity.


Rates effective as of April 30, 2024.

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.
Mortgage Loan: $100,000 borrowed for 360 months (30 years) with an APR of 6.00% would have a monthly payment of $599.55.
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.

Member Loan**

8.99

8.99

36

Member Loan**

9.99

9.99

60

Share Savings Secured Loan

Ask Us

Ask Us

36

Certificate of Deposit Secured Loan

Ask Us

Ask Us

36

Ready Reserve Loan

15.00

15.00

N/A

Home Equity Adjustable Rate 5/5 ++

5.99

6.094

240

Home Equity Adjustable Rate 10/1 ++

6.49

6.590

240

Home Equity Line of Credit Rate ++

5.99

5.99

N/A

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