SPFCU Checking Accounts SPFCU Checking Accounts

Your financial future starts with a solid savings plan

Saving for the future is the point. It's how you make plans and look forward to your someday.

APPLY NOW

Please select if you are a member or non-member so that we can take you to the appropriate application.

Product Minimum Maximum Rates
Membership Savings

This account is accessible in Online and Mobile Banking, earns dividends, comes with no monthly fees, and is fully insured.

APPLY NOW
Above $0
0.10%
APY*
Holiday Club

Plan ahead for the holidays with weekly or monthly deposits to this interest earning account.

APPLY NOW
$0
$5,000.00
0.40%
APY*
$5,000.01+
0.15%
APY*
Premium Savings

This insured, totally liquid, dividend earning account earns more with higher balances.

APPLY NOW
$0
$2,499.99
0.30%
APY*
$2,500.00
$9,999.99
0.40%
APY*
$10,000.00
$24,999.99
0.45%
APY*
$25,000.00
$49,999.99
0.45%
APY*
$50,000.00
$99,999.99
0.60%
APY*
$100,000.00
$249,999.99
0.75%
APY*
$250,000.00
$499,999.99
0.75%
APY*
$500,000.00
$999,999.99
0.75%
APY*
$1,000,000.00 +
0.75%
APY*
EzMoney Savings

This is where you start if you’re 24 or younger and have $5,000 or less you want to save for the future.

APPLY NOW
$0
$5,000.00
1.00%
APY*
$5,000.01+
0.15%
APY*
Health Savings Account (HSA)

Get more control over your healthcare expenses with this account and a HSA-compatible high deductible health plan.

APPLY NOW
$0
$2,499.99
1.00%
APY*
$2,500.00
$9,999.99
1.00%
APY*
$10,000.00
$24,999.99
1.00%
APY*
$25,000.00
$49,999.99
1.00%
APY*
$50,000.00
$50,000.00 +
1.00%
APY*
Traditional & Roth IRA

Choose between the tax-deductible benefits of a Traditional IRA or the tax-free earning growth of a Roth IRA.

APPLY NOW
IRA Savings
0.50%
APY*
Product Minimum Maximum Rates
Money Market Certificates

Choose a term from 3 months to 5 years with a $1,000 opening balance and earn a competitive rate.

APPLY NOW
$1000
3 months
0.40%
APY*
$1000
6 Months
1.00%
APY*
$1000
9 Months+
Current Deposits at SouthPoint
3.23%
APY*
$1000
9 Months++
with new deposits
3.48%
APY*
$1000
12 Months
1.71%
APY*
$1000
13 Months+++
3.02%
APY*
$1000
15 Months++++
Current Deposits at SouthPoint
4.04%
APY*
$1000
15 Months++++
with new deposits
4.19%
APY*
$1000
18 Months
1.81%
APY*
$1000
24 months
2.01%
APY*
$1000
36 months
2.26%
APY*
$1000
60 months
2.01%
APY*
Step-Up Certificate

This account allows you to boost your rate up with changes in the market.

APPLY NOW
$1000
24 months
1.96%
APY*
$1000
36 months
2.21%
APY*
Traditional & Roth IRA Certificate

Lock a minimum of $2,500 away and earn a competitive rate.

APPLY NOW
$2,500
3 Months
0.40%
APY*
$2,500
6 Months
1.00%
APY*
$2,500
12 Months
1.71%
APY*
$2,500
18 Months
1.81%
APY*
$2,500
24 Months
2.01%
APY*
$2,500
36 Months
2.26%
APY*
$2,500
60 Months
2.01%
APY*

Savings FAQs

Our routing number is: 291976493

Minimum Opening Balances are as follows: Savings Account – $10; Checking Account – $100 (adult) or $50 (children/students).

You can transfer money as many times as you want each month.

Your employer can establish direct deposit of your paycheck into your credit union account. They will need the credit union routing number (291976493) and your account number.

Yes. We can allocate a deposit between different accounts.

No. We can transfer those funds for you. All we would need is your account number and your spouse or child’s name.

Yes. You can be set up to transfer to and from your child’s account, but you would not be able to see the balances in their account through online banking.

You have requested an external link.

 By clicking this link, you are leaving SouthPoint’s website and entering a website hosted by another party. We do not operate this site, nor are we responsible for its content. Please review the privacy and security policies of the site you are entering, as they may differ from those practiced by the credit union.

Cancel Accept