Savings Rates

Savings

Dividend Rate

APY*

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

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*

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

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*

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Rates effective as of May 1, 2019

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

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

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Rates effective as of October 19, 2011

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.

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

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Rates effective as of January 2, 2019

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.

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

$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%
Rates effective as of October 2, 2019

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 **

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
Home Equity Early Disclosures

++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 November 13, 2019

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.

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

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