Rates

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

Rates effective as of November 1, 2022

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.

+Rates effective as of November 23, 2022. Promotion for 9-Month Certificate is for a limited time only. The minimum balance to open a 9-Month certificate, when offered, is $1,000. If any portion of your initial certificate of deposit is currently on deposit with SouthPoint Financial Credit Union you will receive a rate of 3.23% APY on your new 9-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 9-Month Certificate promotion will roll into a 6-Month Certificate at maturity.

++Rates effective as of November 23, 2022. Promotion for 9-Month Certificate is for a limited time only. The minimum balance to open a 9-Month certificate, when offered, is $1,000. To obtain the 3.48% APY your total deposit (100%) must be comprised of new money (not previously on deposit with SouthPoint Financial Credit Union). 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 9-Month Certificate promotion will roll into a 6-Month Certificate at maturity.

+++The Annual Percentage Yield (APY) varies depending on account balance. Rates effective as of October 24, 2022. 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 and at least 50% of the total deposit must be new money not on deposit with SouthPoint Financial Credit Union. 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 13-Month Certificate promotion will roll into a 12-Month Certificate at maturity. Federally Insured by NCUA.

++++The Annual Percentage Yield (APY) varies depending on account balance. Rates effective as of October 24, 2022. 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 and at least 50% of the total deposit must be new money not on deposit with SouthPoint Financial Credit Union. 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 15-Month Certificate promotion will roll into a 12-Month Certificate at maturity. Federally Insured by NCUA.

Certificate rates remain fixed for the term of the certificate.

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

Rates effective as of November 1, 2022

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.

Click to learn more about our Credit Cards

Rates effective as of November 7, 2022

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.

Rates effective as of November 8, 2022

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

++As low as 4.99% for 12 months from closing date. After 12 months rate will vary between 7.00% – 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 November 29, 2022

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.