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 February 7, 2023.

Membership Savings

0.10

0.10

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

2.00

2.02

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

0.15

0.15

Premium Savings $0 - $2,499.99

0.30

0.30

Premium Savings $2,500.00 - $9,999.99

0.50

0.50

Premium Savings $10,000.00 - $24,999.99

0.65

0.65

Premium Savings $25,000.00 - $49,999.99

0.65

0.65

Premium Savings $50,000.00 - $99,999.99

0.80

0.80

Premium Savings $100,000.00 - $249,999.99

1.05

1.06

Premium Savings $250,000.00 - $499,999.99

1.10

1.11

Premium Savings $500,000.00 - $999,999.99

1.10

1.11

Premium Savings $1,000,000.00 +

1.10

1.11

Holiday Club $0 - $5,000

0.50

0.50

Holiday Club $5,000.01+

0.15

0.15

IRA Savings

0.75

0.75

UrChoice Savings

0.10

0.10

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 September 1, 2022.

Tier 1** $0+

0.00

0.00

Tier 2*** $0+

0.01

0.01

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

1.50

1.51

Tier 3**** $20,000.01+

0.01

0.01

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 September 1, 2022

Basic Checking

0.00

0.00

EzMoney Checking $0 - $5,000.00

0.01

0.01

EzMoney Checking $5,000.01 +

0.01

0.01

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
**Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Fees may reduce earnings on the account.

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

++APY=Annual Percentage Yield. Rates Effective as of February 7, 2023. Promotion for 7-Month Certificate is for a limited time only. The minimum balance to open a 7-Month certificate, when offered, is $1,000. To obtain the 4.30% 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 4.09% APY on your new 7-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 $500,000 deposited per household. The 7-Month Certificate promotion will roll into a 6-Month Certificate at maturity. +++APY=Annual Percentage Yield. Rates Effective as of February 7, 2023. Promotion for 11-Month Certificate is for a limited time only. The minimum balance to open an 11-Month certificate, when offered, is $1,000. To obtain the 4.30% 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 4.09% 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 $500,000 deposited per household. The 11-Month Certificate promotion will roll into a 12-Month Certificate at maturity. Federally Insured by NCUA. ++++APY=Annual Percentage Yield. Rates Effective as of February 7, 2023. Promotion for 11-Month Certificate is for a limited time only. The minimum balance to open a 21-Month certificate, when offered, is $1,000. To obtain the 4.30% 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 4.09% APY on your new 21-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 $500,000 deposited per household. The 21-Month Certificate promotion will roll into an 18-Month Certificate at maturity. 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.

7 Month Certificate - Current Deposits at SouthPoint++

4.05

4.09

7 Month Certificate - with new deposits++

4.25

4.30

11 Month Certificate - Current Deposits at SouthPoint+++

4.05

4.09

11 Month Certificate - with new deposits+++

4.25

4.30

21 Month Certificate - Current Deposits at SouthPoint++++

4.05

4.09

21 Month Certificate - with new deposits++++

4.25

4.30

Certificate Rates

Certificates

Dividend Rate

APY*

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Rates effective as of January 26, 2023

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

0.40

0.40

6 Month Certificate

1.25

1.25

12 Month Certificate

2.00

2.01

18 Month Certificate

2.15

2.16

24 Month Certificate

2.35

2.36

36 Month Certificate

2.40

2.41

60 Month Certificate

2.50

2.52

24 Month Step Up Certificate

2.30

2.31

36 Month Step Up Certificate

2.35

2.36

3 Month IRA Certificate**

0.40

0.40

6 Month IRA Certificate**

1.25

1.25

12 Month IRA Certificate**

2.00

2.01

18 Month IRA Certificate**

2.15

2.16

24 Month IRA Certificate**

2.35

2.36

36 Month IRA Certificate**

2.40

2.41

60 Month IRA Certificate**

2.50

2.52

24 Month IRA Step Up Certificate**

2.30

2.31

HSA Rates

Health Savings Account (HSA)

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 December 8, 2022

*APY = Annual Percentage Yield

$0 - $2,499.99

2.00

2.02

$2,500.00 - $9,999.99

2.00

2.02

$10,000.00 - $24,999.99

2.00

2.02

$25,000.00 - $49,999.99

2.00

2.02

$50,000.00 and above

2.00

2.02

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

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Rates effective as of February 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

16.50%-18.00%

Platinum Select

14.50%-18.00%

Platinum Secured Card**

7.00%

Vehicle Loans

Loan Type

APR* As low as

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Rates effective as of February 6, 2023

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***

5.49%

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

6.49%

RV/Camper***

5.99%

Business Checking

Business Checking

Dividend Rate

APY*

Rates effective as of September 1, 2022

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

$0 - $999.99

0.00

0.00

$1,000.00 - $9,999.99

0.05

0.05

$10,000.00 - $24,999.99

0.05

0.05

$25,000.00 - $49,999.99

0.05

0.05

$50,000.00 and above

0.15

0.15

Consumer Loans

Loans

Interest Rate

APR*

Term

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

++ Closing costs varies from $0.00 to $1,000.00. Origination fee of $50.  Ask a loan representative for details.


Rates effective as of February 7, 2023

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**

8.990

8.990

36

Member Loan**

9.990

9.990

60

Share Savings Secured Loan

Ask Us

Ask Us

36

Certificate of Deposit Secured Loan

Ask Us

Ask Us

36

Ready Reserve Loan

15.000

15.000

N/A

Home Equity Line of Credit Rate ++

7.250

7.250

N/A

Home Equity Adjustable Rate 5/5

5.750

5.821

360

Home Equity Adjustable Rate 10/1

6.125

6.199

360

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