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  Rate APR* Term
MORTGAGE** 3.000% 3.146% 180
VEHICLES 3.990% 3.990% 36
AG/COMM LOANS 4.000% 4.000% 12
CONSUMER LOANS 4.750% 4.750% 12
*APR = Annual Percentage Rate
**Based on loan amount
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faq

‘Member/Owners' that's the difference between a credit union and other financial institutions. SouthPoint Federal Credit Union is owned and governed by the members it serves. Every member has an equal right to voice his or her opinions and vote at the annual meetings.

 

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We believe planning isn't just the first step toward your financial future, it's the most important step.

  • Help maintain your independence with long-term care insurance.
  • Save for something special (wedding, vacation, second home, etc.)
  • Gain confidence in your investment choices
  • Create a legacy for your family
    Increase your understanding of Social Security
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Virtual Branch

Virtual Branch Suite

Virtual Branch offers and makes it easy for you to access account information, transfer funds, pay bills and view electronic statements.

Seamless User Experience

With Virtual Branch, you experience a smooth, seamless experience whether you are using traditional internet banking, bill payment, electronic statements, Account to Account (A2A) transfers, or any other Virtual Branch service.

Internet Banking

Virtual Branch provides all the features today's online users expect, including the ability to review accounts, view account history, transfer funds, make loan payments, schedule transfers, and send and receive secure messages. It is also available via mobile access channels such as mobile phones or PDAs.

Bill Payment

Virtual Branch Bill Payment is an advanced electronic bill payment solution that delivers leading-edge functionality and unique features. You can easily set up merchants and payments, choose from flexible payment scheduling options, request alerts, and more.

Electronic Statements

Eliminate the need of keeping paper with Virtual Branch Electronic Statements. When a new statement is ready, you receive a customized email reminder with a link to our secure archive site.

Account-to-Account (A2A) Transfers

With Virtual Branch, you can safely and securely transfer funds between financial institutions. This capability offers yet another convenient way for you to leverage the Internet, eliminating the need to perform transactions in person.

eAlerts

Receive notification via email or text message for available balance, balance above, balance below, certificate maturity, check cleared, next payment due, personal alerts, etc... Click the 'Self Service' tab in Virtual Branch to set up your eAlerts today!

Enhanced Authentication

Virtual Branch Enhanced Authentication offers multifactor authentication with maximum flexibility, accessibility, and speed of deployment. It's convenient for you and provides industry-leading security.

Mobile Money

Using the Mobile Money interface to Virtual Branch, you can check balances, view history, transfer funds, and make payments on the go. Mobile Money supports three mobile access modes - SMS, mobile browser and downloadable application. You do not need a smart phone.

Virtual Apps

With Virtual Apps, you can apply for a new loan, track a loan in process, send instant messages to our loan staff, and view documents from a previous loan. This is a secure multi-layered structure using the latest technology that makes applying for a loan SIMPLE, FAST, and ACCURATE and AVILABLE 24/7/365! You can also apply for membership and additional deposit accounts on Virtual Apps.