Rates
Savings Rates
Savings |
Dividend Rate |
APY* |
---|---|---|
Click here for required Truth & Savings Disclosure Rates effective as of February 19, 2022 |
||
Membership Savings |
0.10 |
0.10 |
EzMoney Savings - For portion of account balance up to $5,000.00 |
1.00 |
1.00 |
EzMoney Savings - For portion of account balance that exceeds $5,000.00 |
0.10 |
0.10 |
Premium Savings $0 - $2,499.99 |
0.05 |
0.05 |
Premium Savings $2,500.00 - $9,999.99 |
0.15 |
0.15 |
Premium Savings $10,000.00 - $24,999.99 |
0.15 |
0.15 |
Premium Savings $25,000.00 - $49,999.99 |
0.15 |
0.15 |
Premium Savings $50,000.00 - $99,999.99 |
0.25 |
0.25 |
Premium Savings $100,000.00 - $249,999.99 |
0.40 |
0.40 |
Premium Savings $250,000.00 - $499,999.99 |
0.40 |
0.40 |
Premium Savings $500,000.00 - $999,999.99 |
0.40 |
0.40 |
Premium Savings $1,000,000.00 + |
0.40 |
0.40 |
Holiday Club $0 - $5,000 |
0.40 |
0.40 |
Holiday Club $5,000.01+ |
0.10 |
0.10 |
IRA Savings |
0.50 |
0.50 |
UrChoice Savings |
0.10 |
0.10 |
Dividend Rate |
APY* |
|
---|---|---|
*Variable rates. Rate may change after the account is open Rates effective as of August 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* |
|
---|---|---|
*Variable rates. Rate may change after the account is open Rates effective as of February 19, 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 |
Certificate Rates
Certificates |
Dividend Rate |
APY* |
---|---|---|
Rates effective as of August 5, 2022 Click here for required Truth & Savings Disclosure *APY = Annual Percentage Yield Certificate rates remain fixed for the term of the certificate. |
||
3 Month Certificate |
0.40 |
0.40 |
6 Month Certificate |
0.60 |
0.60 |
12 Month Certificate |
1.20 |
1.20 |
18 Month Certificate |
1.30 |
1.30 |
24 Month Certificate |
1.40 |
1.40 |
36 Month Certificate |
1.50 |
1.50 |
60 Month Certificate |
2.00 |
2.01 |
24 Month Step Up Certificate |
1.35 |
1.35 |
36 Month Step Up Certificate |
1.45 |
1.45 |
3 Month IRA Certificate** |
0.40 |
0.40 |
6 Month IRA Certificate** |
0.60 |
0.60 |
12 Month IRA Certificate** |
0.90 |
0.90 |
18 Month IRA Certificate** |
1.00 |
1.00 |
24 Month IRA Certificate** |
1.25 |
1.25 |
36 Month IRA Certificate** |
1.35 |
1.35 |
60 Month IRA Certificate** |
2.00 |
2.01 |
24 Month IRA Step Up Certificate** |
1.20 |
1.20 |
HSA Rates
Health Savings Account (HSA) |
Dividend Rate |
APY* |
---|---|---|
Click here for required Truth & Savings Disclosure Rates effective as of February 19, 2022 *APY = Annual Percentage Yield |
||
$0 - $2,499.99 |
1.00 |
1.00 |
$2,500.00 - $9,999.99 |
1.00 |
1.00 |
$10,000.00 - $24,999.99 |
1.00 |
1.00 |
$25,000.00 - $49,999.99 |
1.00 |
1.00 |
$50,000.00 and above |
1.00 |
1.00 |
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 August 7, 2022 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. 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 |
13.75%-18.00% |
Platinum Select |
11.75%-18.00% |
Platinum Secured Card** |
7.00% |
Vehicle Loans
Loan Type |
APR* As low as |
---|---|
Rates effective as of July 18, 2022 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 February 19, 2022 *APY = Annual Percentage Yield |
||
$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 ++As low as 3.99% 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 August 16, 2022 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** |
6.990 |
6.990 |
36 |
Member Loan** |
7.990 |
7.990 |
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 ++ |
3.999 |
3.999 |
N/A |
Home Equity Adjustable Rate 5/5 |
5.125 |
5.227 |
360 |
Home Equity Adjustable Rate 10/1 |
5.500 |
5.606 |
360 |