Savings Rates

Savings

Dividend Rate

APY*

Click here for required Truth & Savings Disclosure
Fee’s may reduce earning on the account.

Rates effective as of October 1, 2013

Share Savings Account

0.25

0.25

EzStart & Ez$ Savings - For portion of account balance up to $5,000.00

2.50

2.53

EzStart & Ez$ Savings - For portion of account balance that exceeds $5,000.00

0.40

0.40

Money Market Savings $0 - $2,499.99

0.25

0.25

Money Market Savings $2,500.00 - $9,999.99

0.40

0.40

Money Market Savings $10,000.00 - $24,999.99

0.40

0.40

Money Market Savings $25,000.00 - $49,999.99

0.40

0.40

Money Market Savings $50,000.00 - $99,999.99

0.40

0.40

Money Market Savings $100,000.00 - $249,999.99

0.45

0.45

Money Market Savings $250,000.00 - $499,999.99

0.60

0.60

Money Market Savings $500,000.00 +

0.70

0.70

Holiday Club Account

0.40

0.40

IRA Savings

0.75

0.75

Money Market Checking

Money Market Checking*

Dividend Rate

APY*

*Variable rates. Rate may change after the account is open
Fee’s may reduce earning on the account.

Rates effective as of June 1, 2012

$0 - $1,000.99

0.00

0.00

$1,001.00 - $9,999.99

0.25

0.25

$10,000.00 - $24,999.99

0.25

0.25

$25,000.00 - $49,999.99

0.25

0.25

$50,000.00 and above

0.25

0.25

Certificate Rates

Certificates

Dividend Rate

APY*

Rates effective as of July 1, 2017

Click here for required Truth & Savings Disclosure
Fee’s may reduce earning on the account.

*APY = Annual Percentage Yield
**IRA Certificate is a 24 month Certificate with a $2,500.00 minimum balance and the rate is the same as our regular certificate.
***$1,000.00 minimum deposit required.

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

3 Month Certificate

0.30

0.30

6 Month Certificate

0.60

0.60

12 Month Certificate

0.85

0.85

18 Month Certificate

1.00

1.00

24 Month Certificate

1.00

1.00

36 Month Certificate

1.00

1.00

24 Month IRA Certificate**

1.00

1.00

24 Month Step Up Certificate

1.10

1.10

36 Month Step Up Certificate

1.25

1.25

24 Month IRA Step Up Certificate**

1.10

1.10

Visa Credit Cards

VISA Credit Card

APR*

Click to learn more about our Credit Cards

Rates effective as of October 19, 2011

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 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

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

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

9.00%-18.00%

Platinum Select

7.00%-16.00%

Platinum Secured Card**

7.00%

Mortgage Loans

Mortgage Loans

Interest Rate

APR*

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

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


Rates effective as of September 22, 2017

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 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.

15 Year Fixed Rate Mortgage Residential Real Estate**

3.250

3.398

30 Year Fixed Rate Mortgage Residential Real Estate**

3.875

3.959

First Mortgage Residential 5 Year Real Estate**

3.950

3.950

Second Mortgage Residential 5 Year Real Estate**

3.950

3.950

15 Year First Time Home Buyer Real Estate**

3.500

3.553

30 Year First Time Home Buyer Real Estate**

3.875

3.964

10 Year Rapid Refi **

3.500

3.577

15 Year Rapid Refi **

4.000

4.054

Home Equity Line of Credit Rate ++

1.999

1.999

NMLS Numbers

Name

NMLS #

SouthPoint FCU

480422

Jay Gostonczik

479252

Maxine Meine

641325

Cory Bergman

1286229

Brian Serbus

641327

Jeffrey Anderson

641329

Michelle Heiderscheidt

641330

Jody Rhoades

1534463

Amanda Jensen

1467874

Shannon Brown

1520750

Carissa Rodewald

1534461

Kristine Helget

1592738

Randy Reinarts

641331

Michelle Strate

641332

Michael Schmid

641334

Candy Hjerpe

671143

Joel Heitner

957871

Lisa Zihlke

1055627

Lindsy Ludewig

1431603

John Flemmer

1449163

Anthony Thiessen

1520202

Susan Brandes

1534462

Eric Reker

1601179

Jennifer Mude

1140037

Joseph Tauer

1578661

Dayna Greenwaldt

1235190

Amanda Cook

1256185

Nick Burger

1592739

Brad Haynes

758841

Dee Boddy

1461758

Kari Berg

1449162

Lori Wolkow

1461757

Megan Karg

517323

Kayla Goetsch

1645840

Consumer Loans

Loans

Interest Rate

APR*

Term

Rates effective as of January 1, 2014

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 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.

Member Loan**

6.990

6.990

60

Share Savings Secured Loan

3.750

3.750

12

Share Savings Secured Loan

4.000

4.000

24

Share Savings Secured Loan

4.250

4.250

36

Ready Reserve Loan

15.000

15.000

N/A

Vehicle Loans

Loan Type

APR* As low as

Rates effective as of October 1, 2015

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 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.

New & Used Auto & Truck - terms up to 84 months**

2.99%

Boat, Motorcycle, ATV, PWC, Snowmobile, Trailer, other - terms up to 84 months**

3.99%

RV/Camper - terms up to 144 months**

3.99%

Business Checking

Business Checking

Dividend Rate

APY*

Rates effective as of June 1, 2012

*APY = Annual Percentage Yield
Click here for required Truth & Savings Disclosure
Fee’s may reduce earning on the account.

$0 - $1,000.99

0.00

0.00

$1,001.00 - $9,999.99

0.25

0.25

$10,000.00 - $24,999.99

0.25

0.25

$25,000.00 - $49,999.99

0.25

0.25

$50,000.00 and above

0.50

0.50

Ag/Comm Loans

Loans

Interest Rate

APR*

Term

Commercial Real Estate Index – 4.500%
Rates effective as of February 1, 2017

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 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.

Operating Loans and Lines of Credit **

4.250

4.250

12

Farmland **

4.000

4.000

36

Farmland **

4.250

4.250

60

Residential Rental **

4.250

4.250

36

Residential Rental **

4.500

4.500

60

Ag Comm. Building **

4.750

4.750

36

Ag Comm. Building **

5.000

5.000

60

Term Loans **

4.000

4.000

36

Term Loans **

4.250

4.250

48

Term Loans **

4.500

4.500

60

Term Loans **

4.750

4.750

72

Fee Schedule

Listed Fees apply to all accounts:

Fee

Fee Schedule is effective as of March 1, 2017

*Item refers to any transaction type such as ATM withdrawals, debit card transactions, preauthorized automatic debits, telephone-initiated transfers or other electronic transfers, if applicable, to avoid implying that check transactions are the only transactions covered.

Notary Fee

Free to members

Signature Guarantee

$25

Photo Copies & Incoming/Outgoing Faxes

$.10 per page

Visa Gift Cards

$3 each

Non-Member Visa Advance

2% of transaction

Returned Deposited Check

$4 per item

Wire Transfer Fee

$15 U.S.; $50 International

Levy Fee

$50

Non-Member Check Cashing

$10 each

Account Research

$25 per hour; 1 Hr minimum - Research applies to any account activity printouts including check copies or printed statements.

Re-Open Closed Account

There may be a $10 fee to re-open an account that has been closed less than 90 days

Foreign Fee

Returned Item - $30; Processing - $6.25

Counter Checks

$1 each

Coin Exchange

Free to members; 10% for non-members

Return Mail/Statement

$5 per item

Following fees apply to savings accounts:

Fee

Credit Union Check Fee

$5 per check when amount is under $3,000

Dormant Fee

$15 per quarter if there is only a membership account and that account has a balance less than $500 and has had no activity for 1 year. This does not apply to minor accounts.

Inactive Secondary Savings

$15 per quarter for all inactive secondary savings accounts with a balance less than $500 and no activity for 1 year.

Money Market Savings (only)

$10 per month if balance falls below $2,500.

Health Savings Account (HSA) and IRA

A closing fee of $50 may be applied if your HSA or IRA account is closed within 365 days of opening. If closed within (7) days of opening, no fee shall be applied.

+Health Savings Account (HSA)

An Annual Handling Fee of $10 will be automatically deducted on the anniversary date of opening the account.

Holiday Club Savings Account

Requires minimum of 1 monthly deposit to account. Loss of interest if funds withdrawn prior to payout.

Following fees apply to checking accounts:

Fee

Non-Sufficient Funds

$30 per item*

Overdraft Fee

$30 per item*

Inactive Checking

$10 per quarter if no activity occurs within that quarter.

Stop Payment Order

$20

Inactive Debit Card Fee

$10 per quarter if no activity occurs within that quarter.

Debit Card Replacement

$10

Copies of Check with Mailed Statement

$5 per month

Personal and Business Check Order Fee

Standard Design Checks: 2 free boxes per year
Designer Checks: See catalog for current pricing

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