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Popular Products & Services
Here are a few products and services we thought you might be interested in learning about as a young adult:
- EzMoney Checking
- EzMoney Savings
- Vehicle Loans
- Credit Cards
- Student Loans
- Money Management – Online Budgeting Tool inside Online and Mobile Banking
- Mobile Services
*Open a New Membership Savings with SouthPoint and we will pay for your $10 membership. To take advantage, mention “Welcome Teachers” on your application.
Why Choose SouthPoint?
- Community Focus. Southpoint is a credit union that is member-owned. Credit Unions are financial cooperatives, meaning they prioritize the needs of their members over profit. The community-oriented approach often results in better member service and more personalized financial solutions tailored to individual members.
- Democratic Governance. As a member-owner, you have a say in how the credit union is run. Members elect a volunteer board of directors among their peers to represent their interest. This democratic structure ensures that decisions are made with the best interests of the members in mind, fostering transparency and accountability.
- Lower Fees and Better Rates. Credit unions typically offer lower fees and competitive interest rates on loans, credit cards and savings accounts. This can lead to significant cost savings for members over time, empowering them to achieve their financial goals more effectively.
- Financial Education and Support. SouthPoint provides valuable financial education resources along with in-house counseling services to help members make informed decisions about their money. By empowering members with knowledge and support, SouthPoint enables the members to make smarter financial choices and achieve greater financial stability and independence
SouthPoint Budget City
SouthPoint is committed to helping our youth succeed that is why SouthPoint has created SouthPoint Budget City (formally known as Mad City Money). SouthPoint Budget City is a 2.5 hour simulation for students age 15 – 18. Each participant receives an “about me” sheet that contains: an occupation and salary, student loan debt owed, credit card debt owed, and cost of medical insurance. Some participants will have a spouse; some will be single; and some will be single parents.
Make Waves with your Checking
Make waves with a new Premium Checking account at SouthPoint! This checking account gives you the chance to earn higher interest the more you use your account.
- Tier 3*** – $0 – $20,000 – 2.529% APY*
- Tier 3**** – $20,000.01+ – 0.010% APY*
Premium Checking Perks
- Lowest Opening Balance – Deposit $100 to open your checking account
- Free Checks – Choose the standard design and we’ll send you 1 package per year
- Visa Debit Card – Add an Instant Issue Visa Debit Card with Fraud Text Alerts to make life easier
- Overdraft Protection – Avoid the embarrassment and frustration of running out of money when you add overdraft protection to your membership
- Eliminated Non-Sufficient Fees – Fees have been eliminated resulting from any transaction made under $10
Loan Sweet Loan
Get a mortgage perfect for you. Mortgages made easy. Borrowing made simple.
- First-Time Home Buyer
- Low down payment
- Maximum closing costs of $1,000*
- Rapid Refi
- No closing cost options
- 10 or 15 year term with low rates
- Home Equity Line of Credit
- As Low as 7.50% APR*
- 24-Hour Access; Use Funds for Anything
- No Annual Fee
- 10-year draw period, then take up to 10 years to pay off any remaining balances
- Interest may be tax deductible (consult your tax advisor)
