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Deposit Rates



  • Checking Rates
  • Certificate Rates
  • Savings Rates

 

Money Market Checking Rate APY*
$0 - $1,000.99 0.00 0.00
$1,001.00 - $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

 

Rates effective as of July 1, 2011

 

Business Checking Rate APY*
$0 - $1,000.99 0.00 0.00
$1,001.00 - $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

 

Rates effective as of July 1, 2011

*APY = Annual Percentage Yield

If you are looking for a higher returnon your dollar, maybe a Money Market Certificate will fit your financial needs better. SouthPoint Federal Credit Union offers you a secure investment with a Money Market Certificate Account.

You have several terms to choose from. We offer terms from 3 months up to 3 years. You are sure to find our rates competitive, and the opening deposit is only $1,000.00 for your investing convenience.

Ask how you can earn .50% more on your Certificate. Call 877-794-6712 today!

Certificates Rate APY*
3 Month 0.15 0.15
6 Month 0.20 0.20
12 Month 0.30 0.30
18 Month 0.40 0.40
24 Month 0.50 0.50
36 Month 0.75 0.75
24 Month IRA Certificate** 0.50 0.50

Rates effective as of July 1, 2011

*APY = Annual Percentage Yield
**IRA Certificate is a 24 month CD with a $2,500.00 minimum balance and the rate is the same as our regular certificate.

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

Saving is a discipline we all could use help with. The friendly staff at SouthPoint Federal Credit Union are here to help you with your savings and other financial needs. We offer a great interest rate for minimal investment with a 'Share Savings Account.' You can open an account with a minimum of $10.00.

  Savings Rate APY*
  Share Savings Account   0.25   0.25  
  EzStart Savings - For portion of account balance up to $5,000.00   2.50   2.53  
  EzStart Savings - For portion of account balance that exceeds $5,000.00   1.00   1.00  
  Money Market Savings $0 - $2,499.99   0.25   0.25  
  Money Market Savings $2,500.00 - $9,999.99   0.25   0.25  
  Money Market Savings $10,000.00 - $24,999.99   0.25   0.25  
  Money Market Savings $25,000.00 - $49,999.99   0.25   0.25  
  Money Market Savings $50,000.00 - $99,999.99   0.25   0.25  
  Money Market Savings $100,000.00 - $249,999.99   0.45   0.45  
  Money Market Savings $250,000.00 and above   0.50   0.50  
  Holiday Club Account - For portion of account balance up to $5,000.00   1.50   1.51  
  Holiday Club Account - For portion of account balance that exceeds $5,000.00   0.25   0.25  
  IRA Savings   0.75   0.75  

Rates effective as of February 1, 2012

Does the rising cost of health insurance seem out of control? A Health Savings Account (HSA) at SouthPoint Federal Credit Union could give you more flexibility and control over your health care costs. An HSA empowers you to make your own health care decisions. If you have a high-deductible health plan** you can open an HSA and make contributions on a tax-deferred basis. Your SouthPoint Federal Credit Union HSA comes with 50 FREE checks and 2 Photo Debit Cards to pay for qualified medical expenses. Best of all, distributions from your HSA are tax-free.

  Health Savings Account (HSA) Rate APY*
  $0 - $2,499.99   2.00   2.02  
  $2,500.00 - $9,999.99   2.00   2.02  
  $10,000.00 - $24,999.99   2.00   2.02  
  $25,000.00 - $49,999.99   2.00   2.02  
  $50,000.00 and above   2.00   2.02  

Rates effective as of September 1, 2010

*APY = Annual Percentage Yield

** High Deductible Health plan calendar year 2009:
~ An annual deductible of at least $1,150 for self-only coverage or $2,300 for family coverage, and
~ Annual out-of-pocket expenses up to $5,800 for self-only coverage or $11,600 for family coverage.
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