Rates

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

Rates effective as of May 28, 2025.

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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 January 6, 2025. 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 4.050% 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 4.000% 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. Promotion for 13-Month Certificate is for a limited time only. The minimum balance to open a 13-Month certificate, when offered, is $1,000. To obtain the 4.050% 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 4.000% APY on your new 13-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 13-Month Certificate promotion will roll into a 12-Month Certificate at maturity. Promotion for 15-Month Certificate is for a limited time only. The minimum balance to open a 15-Month certificate, when offered, is $1,000. To obtain the 4.050% 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 4.000% APY on your new 15-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 15-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.

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Rates effective as of September 3, 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.

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Rates effective as of March 6, 2025

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.

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Rates effective as of February 13, 2025

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.

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

Rates effective as of July 14, 2025.

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.

+Variable Rate Ready Reserve. 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 FCU. Other conditions may apply.

++APR = Annual Percentage Rate. Closing costs varies from $0.00 to $1,000.00. Origination fee of $50 applies to Home Equity Line of Credit. Home Equity Loan – 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.

+++APR = Annual Percentage Rate. Promotional interest rate is as of June 2, 2025 and is subject to change. Home Equity Line of Credit – as low as 4.99% APR for 12 months from the closing date. After 12 months, rate will vary between 7.234% – 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. Limited Time Only. Federally Insurance by NCUA. Equal Housing Opportunity.