Rates
Savings Rates
Savings |
Dividend Rate |
APY* |
---|---|---|
Click here for required Truth & Savings Disclosure Rates effective as of May 1, 2019 |
||
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 |
0.55 |
0.55 |
Money Market Savings $100,000.00 - $249,999.99 |
0.70 |
0.70 |
Money Market Savings $250,000.00 - $499,999.99 |
0.75 |
0.75 |
Money Market Savings $500,000.00 - $999,999.99 |
1.00 |
1.00 |
Money Market Savings $1,000,000.00 + |
1.50 |
1.51 |
Holiday Club Account |
0.40 |
0.40 |
IRA Savings |
0.75 |
0.75 |
Health Savings |
2.00 |
2.02 |
First-time Homebuyer Savings Account |
0.25 |
0.25 |
Money Market Checking
Money Market Checking* |
Dividend Rate |
APY* |
---|---|---|
*Variable rates. Rate may change after the account is open Rates effective as of May 1, 2019 |
||
$0 - $999.99 |
0.00 |
0.00 |
$1,000.00 - $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 May 1, 2019 Click here for required Truth & Savings Disclosure *APY = Annual Percentage Yield Certificate rates remain fixed for the term of the certificate. |
||
3 Month Certificate |
0.30 |
0.30 |
6 Month Certificate |
0.90 |
0.90 |
12 Month Certificate |
1.25 |
1.25 |
18 Month Certificate |
1.25 |
1.25 |
24 Month Certificate |
1.25 |
1.25 |
36 Month Certificate |
1.25 |
1.25 |
24 Month Step Up Certificate |
1.30 |
1.30 |
36 Month Step Up Certificate |
2.15 |
2.16 |
18 Month IRA Certificate** |
1.25 |
1.25 |
24 Month IRA Certificate** |
1.25 |
1.25 |
24 Month IRA Step Up Certificate** |
1.30 |
1.30 |
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 Rates effective as of October 19, 2011 All rates are subject to change. *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% |
Vehicle Loans
Loan Type |
APR* As low as |
---|---|
Rates effective as of January 2, 2019 All rates are subject to change. *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*** |
3.49% |
Boat, Motorcycle, ATV, PWC, Snowmobile, Trailer, other*** |
4.49% |
RV/Camper*** |
3.99% |
Business Checking
Business Checking |
Dividend Rate |
APY* |
---|---|---|
Rates effective as of May 1, 2019 *APY = Annual Percentage Yield |
||
$0 - $999.99 |
0.00 |
0.00 |
$1,000.00 - $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 – 4.50% All rates are subject to change. *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 ** |
5.000 |
5.000 |
12 |
Farmland ** |
4.250 |
4.250 |
36 |
Farmland ** |
4.500 |
4.500 |
60 |
Residential Rental ** |
4.250 |
4.250 |
36 |
Residential Rental ** |
4.500 |
4.500 |
60 |
Ag Comm. Building ** |
5.250 |
5.250 |
36 |
Ag Comm. Building ** |
5.500 |
5.500 |
60 |
Term Loans ** |
4.750 |
4.750 |
36 |
Term Loans ** |
5.000 |
5.000 |
48 |
Term Loans ** |
5.250 |
5.250 |
60 |
Term Loans ** |
5.500 |
5.500 |
72 |
Consumer Loans
Loans |
Interest Rate |
APR* |
Term |
---|---|---|---|
What you should know about Home Equity Lines of Credit ++As low as 2.99% for 12 months from closing date. After 12 months rate will vary between 5.00% – 18.00% 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. Rates effective as of December 4, 2019 All rates are subject to change. *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** |
7.990 |
7.990 |
36 |
Member Loan** |
8.990 |
8.990 |
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 |
Home Equity Line of Credit Rate ++ |
2.999 |
2.999 |
N/A |
Home Equity Adjustable Rate 5/5 |
3.750 |
3.896 |
N/A |
Home Equity Adjustable Rate 10/1 |
4.125 |
4.275 |
N/A |