Resources

Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts

kim.peterson@southpointfed.com (Kim Peterson) — Tue, 24 Apr 2012 20:47:17 +0000

All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

Online Service E·Sign Disclosure

twc_service@spcmn.com (Administrator) — Fri, 16 Dec 2011 18:14:33 +0000

Online Service E·Sign Disclosure and Consent

Please review this document carefully and print a copy for your reference; you can access an online copy at any time by navigating to the "E-Communication Preferences" section by clicking on the "Manage my Settings" link your Account Homepage.

This Online Service E-Sign Disclosure and Consent ("Disclosure"), applies to all communications for those products and services offered through our online application.

Scope of Communications to Be Provided in Electronic Form

When you use a product or service to which this Disclosure applies, you agree that we may provide you with any communications in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

All legal and regulatory disclosures and communications associated with the product or service available through the Online Service for your Account.
Notices or disclosures about a change in the terms of your Account.
Privacy policies and notices.

Method of Providing Communications to You in Electronic Form

All Communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available.

How to Withdraw Consent

You may withdraw your consent to receive communications in electronic form by selecting that option under your "ECommunication Preferences" section, which is accessible from your Account Homepage by clicking on the on the "Manage my Settings" link. No fees will be imposed to process the withdrawal of your consent to receive electronic communications, however your access and use of Virtual Apps will be terminated. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.

How to Update Your Records

It is your responsibility to provide and maintain a current e-mail address. You can update information (such as your e-mail address) under your "Update E-Mail Address" section, which is accessible from your Account Homepage by clicking on the on the "Manage my Settings" link.

Hardware and Software Requirements

In order to access, view, and retain electronic Communications that we make available to you, you must have:

Internet browser that supports 128 bit encryption.
Sufficient electronic storage capacity on your computer's hard drive or other data storage unit.
An e-mail account with an Internet service provider and e-mail software in order to participate in our electronic communications programs.
A personal computer.
An operating system and an Internet connection capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above.

Requesting Paper Copies

We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, please submit your request to membersolutions@southpointfed.com.

Communications in Writing

All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.

Consent

By selecting "Yes, I consent to E-Communication," you consent to receive all receive communications regarding products and services that are offered through our online service. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic communications to you.

Truth In Savings

twc_service@spcmn.com (Administrator) — Fri, 16 Dec 2011 18:10:26 +0000

TRUTH-IN-SAVINGS DISCLOSURE

Effective Date: 6/14/2010

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.

1. Rate Information.

The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Holiday Club, Health Savings, Money Market Savings, EzStart Savings, Personal Checking, and Business Checking accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors. For Regular Savings, Secondary Savings, and IRA Savings accounts the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union's Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

The Money Market Savings and Health Savings accounts are Tiered Rate accounts. If your Daily Balance is $2,499.99 or less, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $2,500.00 to $9,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Daily Balance is from $10,000.00 to $24,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Daily Balance is from $25,000.00 to $49,999.99, the fourth Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Daily Balance is $50,000.00 or greater, the fifth Dividend Rate and Annual Percentage Yield listed for this account will apply. Once a particular range is met, the Dividend Rate and Annual Percentage for that balance range will apply to the full balance of your account.

The EzStart Savings is a split rate account. If your Daily Balance is $5000.00 or less, the first Dividend Rate and Annual Percentage Yield listed for this account is at the EzStart Savings Dividend Rate and Annual Percentage Yield as disclosed within our current rate sheet. If your Daily Balance is $5000.01 and over, the second Dividend Rate and Annual Percentage Yield listed for this balance will reflect our Regular Share Dividend Rate and Annual Percentage Yield as disclosed within our current rate sheet. If your Daily Balance is $5000.01 and over, the second Dividend Rate and Annual Percentage Yield listed for this balance will reflect our Regular Share Dividend Rate and Annual Percentage Yield as disclosed within our current rate sheet. Dividends are compounded and applied on a monthly basis.

The Personal Checking and Business Checking accounts are Tiered Rate accounts. If your Daily Balance is from $1,001.00 to $5,000.00, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $5,000.01 to $10,000.00, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Daily Balance is $10,000.01 or greater, the third Dividend Rate and Annual Percentage Yield listed for this account will apply. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.

2. Nature of Dividends.

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Dividend Compounding and Crediting.

The compounding and crediting frequency of dividends and dividend period applicable to each account are stated in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. Accrual of Dividends.

For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Holiday Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.

5. Balance Information.

To open any account, you must deposit or already have on deposit at least the par value of one full share in a Regular Share account. The current par value is $10.00. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. If the minimum daily balance is not met each day of the dividend period, you will not earn the stated Annual Percentage Yield. For accounts using the Daily Balance method as stated on the Rate Schedule, dividends are calculated by applying a daily periodic rate to the balance in the account each day.

6. Account Limitations.

For Regular Share, Secondary Savings, ***IRA, and Money Market Savings, EzStart Savings accounts, no more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. Your account may be closed if the balance is zero (0) with no activity for six (6) consecutive months. *** There are no ACH withdrawals permitted on an IRA; therefore, they are excluded.

For the EzStart Savings the member must be age 24 and under, have an *active checking account, debit card and eStatements. *Active checking account is defined as having at least (3) **transactions occurring within the checking account each month. **A transaction is defined as the following: PIN or Point of Sale transaction with the use of a Debit Card, ACH transaction, cleared check, transfer, deposit and/or direct deposit within the account.

For Holiday Club accounts, the entire balance will be transferred to your savings account on or after November 1st each year and the account will remain open. If you withdraw from your account, you may have a penalty of dividends that have been or would be earned on the account for the year. However, no penalty will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. In addition, for Holiday Club accounts, you must establish automatic transfer or direct deposit arrangements in order to open an account.

7. Fees:

May be associated with a HSA, IRA and/or EzStart Saving accounts, see the Fee Schedule for further details.

Overdrawing Accounts: Fees may be imposed on each check, draft, item, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer, or paying a check, draft, or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item, or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information for all accounts.

8. Membership:

As a condition of membership, you must purchase and maintain a minimum required share(s) as set with our bylaws. Par Value of One Share is $10.00 and the number of shares required is one (1), each individual with a Primary Share account is allowed one voting privilege during our annual meeting. To qualify for membership a individual must fall within our field of membership.

The rates and terms applicable to your account at the Credit Union are provided in this Truth-In-Saving Disclosure. The Credit Union may offer other rates for these accounts from time to time.

USA Patriot Act

twc_service@spcmn.com (Administrator) — Fri, 16 Dec 2011 18:09:31 +0000

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

We may also ask to see your driver's license or other identifying documents.

We thank you for your understanding and for joining us in securing a safer tomorrow.

Privacy Notice

twc_service@spcmn.com (Administrator) — Fri, 16 Dec 2011 18:07:46 +0000

Rev. 3/2012

Privacy Notice

FACTS	WHAT DOES SouthPoint Federal Credit Union (SPFCU) DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and Account Balances Payment History and Account Transactions Credit Scores and Credit History When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share members personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members personal information; the reasons SPFCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does SPFCU Share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes to offer our products and services to you	Yes	No
For joint marketing with our financial companies	No	We Don't Share
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We Don't Share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We Don't Share
For nonaffiliates to market to you	No	We Don't Share

QUESTIONS?

Call 877-794-6712 or go to www.southpointfed.com

Page 2

Who we are
Who is providing this notice?	SouthPoint Federal Credit Union
What we do
How does SPFCU protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does SPFCU collect my personal information?	We collect your personal information for example when you Open an Account or Apply for a Loan Make a Wire Transfer or Use your Credit Card or Debit Card Make Deposits or Withdrawals from your Account
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes - information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies SouthPoint Federal Credit Union has no affiliates.
Nonaffiliates	Companies no related by common ownership or control. They can be financial and nonfinancial companies SouthPoint Federal Credit Union does not have nonaffiliates.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. SouthPoint Federal Credit Union does not engage in joint marketing.

	THREE CONVENIENT LOCATIONS
Sleepy Eye 920 Main Street East P.O. Box 406 Sleepy Eye, MN 56085 Fax: 507-794-5540	Springfield 975 W Central Street P.O. Box 80 Springfield, MN 56087 Fax: 507-723-9001	New Ulm 706 North German Street New Ulm, MN 56073 Fax: 507-233-5601

Fee Schedule

twc_service@spcmn.com (Administrator) — Fri, 16 Dec 2011 18:04:32 +0000

The following fees apply to all accounts:
Notary Fee	Free to members
Signature Guarantee	$25
Fax - Outgoing	$1 each
Fax - Incoming	1-10 pages Free; 11+ pages $.10 each
Photo Copies	1-10 pages Free; 11+ pages $.10 each
Money Orders	$3 each
Gift Envelopes	First 4 Free; 5+ $.25 each
Visa Gift Cards	$2 each
Travel Cards	$4 each
Account Activity Printout	First 90 days - Free; Over 90 Days - $2; Research Fees apply for Multiple Statements
Wire Transfer Fee	$15 U.S.; $50 International
Credit Union to Credit Union Transfer Fee	$5
Levy Fee	$25
Account Research	$20 per hour; $10 minimum
Re-Open Closed Account	There may be a $10 fee to re-open an account that has been closed less than 90 days
Foreign Fees Returned Item	$30; Processing $6.25
The following fees apply to savings accounts:
Credit Union Check Fee	$2 per check when amount is under $3,000
Dormant Fee	$15 per quarter fee when there is only a membership account and that account has a balance less than $100 and had no activity for one year. This does not apply to minor accounts.
Money Market Savings (only)	$10 fee if balance falls below $2,500
Health Savings Account and IRA	A closing fee of $50 may be applied if your HSA or IRA account is closed within 365 days of opening. If closed within (7) days of opening, no fee shall be applied.
Health Savings Account	An Annual Handling Fee of $10 will be automatically deducted on the anniversary date of opening the account.
The following fees apply to checking accounts:
Non-Sufficient Funds	$20 per item
Check Copies	1 check - Free; 2-10 - $2 per check; 11+ Research Fees apply
CD of Check Images	$10 per CD
Stop Payment Order	$20
Debit Card Monthly Fee	FREE! If you do not use your card at least once per quarter, a dormant fee of $5 per quarter may be charged.
Photo Debit Card Replacement	$10
Regular Debit Card Replacement	$5
Statements Held with Check Images	$2 handling fee per month *Required to be picked up by the 20th of the month or we will mail for a $2 fee.
Personal and Business Check Order Fee	Standard Design Checks: FREE duplicate checks Designer Checks: See catalog for current pricing
Payroll ACH Origination	50 employees and under: $15 per month 51 employees or over: $20 per month

Fee Schedule is effective as of April 1, 2011

Deposit Rates

twc_service@spcmn.com (Administrator) — Mon, 17 Oct 2011 14:12:40 +0000

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 Certificate 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.

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 - Maximum Balance $5,000	1.50	1.51
IRA Savings	0.75	0.75

Rates effective as of March 9, 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.

Loan Rates

twc_service@spcmn.com (Administrator) — Thu, 13 Oct 2011 22:00:15 +0000

Vehicle Loans
Mortgage Loans
Ag/Comm Loans
VISA Credit Card
Consumer Loans

Vehicle Loans	Interest Rate	APR*	Term
Vehicle Loans +**	3.990	3.990	36
Vehicle Loans +**	4.240	4.240	48
Vehicle Loans +**	4.490	4.490	60
Vehicle Loans +**	4.740	4.740	72

Rates effective as of November 1, 2011

Mortgage Loans	Interest Rate	APR*	Term
15 Year Fixed Rate Mortgage Residential Real Estate (subject to change daily) ***	2.875	3.021	180
30 Year Fixed Rate Mortgage Residential Real Estate (subject to change daily) ***	3.500	3.582	360
First Mortgage Residential 3 Year Real Estate **	4.250	4.250	36
First Mortgage Residential 5 Year Real Estate **	4.625	4.625	60
Second Mortgage Residential Real Estate **	5.750	5.750	60
15 Year First Time Home Buyer Real Estate	4.625	4.779	180
30 Year First Time Home Buyer Real Estate	4.875	4.964	360
Home Equity Line of Credit Rate ++	4.000	4.000	n/a

Rates effective as of May 18, 2012

Ag/Comm Loans - Contact us today to apply for Ag/Comm Loans	Interest Rate	APR*	Term
Ag Operating/LOC **	4.000	4.000	12
Ag Real Estate **	4.250	4.250	36
Ag Real Estate **	4.750	4.750	60
Ag Residential Rental **	4.750	4.750	36
Ag Residential Rental **	5.250	5.250	60
Ag Comm. Building **	5.000	5.000	36
Ag Comm. Building **	5.500	5.500	60
Mach/Equip/UCC **	5.000	5.000	36
Mach/Equip/UCC **	5.250	5.250	48
Mach/Equip/UCC **	5.500	5.500	60
Mach/Equip/UCC **	5.750	5.750	72

Rates effective as of December 2, 2011

	VISA Credit Card				APR*
	Platinum Rewards				9.00%-18.00%
	Platinum Select				7.00%-16.00%
	Platinum Secured Card (a secured credit card requires funds that equal the credit limit be deposited and held in your SouthPoint Regular Savings Account.)				7.00%

Rates effective as of October 19, 2011

Misc Consumer Loans	Interest Rate	APR*	Term
Member Loan**	6.990	6.990	36
Share Savings Secured Loan	4.750	4.750	12
Share Savings Secured Loan	5.000	5.000	24
Share Savings Secured Loan	5.250	5.250	36
Ready Reserve Loan	15.000	15.000	n/a

Rates effective as of October 19, 2011

All rates are subject to change.
All rates quoted are listed in percent.
Example: $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

**Interest rates are subject to change based on the type of loan, the collateral, borrower's credit history, account
relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Federal. Other
conditions may apply.

***Interest Rate on loan amount over $80,000, borrowers credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Federal. Other conditions may apply.

++Home Equity Line of Credit rate is disclosed at the lowest possible rate. Rates are based on loan-to-value and
borrower's credit history. Rates may vary. Ask a loan representative for details.

College Resource Center

twc_service@spcmn.com (Administrator) — Fri, 07 Oct 2011 00:38:28 +0000

Learn more financial aid tips at Ken's Korner

Our private student loan is a low cost student loan made to meet your education needs. Borrowers are required to make Good Faith payments during school and including the Grace Period. (The Grace Period is a 6-month period of time that begins once a borrower graduates or is no longer enrolled at least half-time in a degree granting program.) After the Grace Period, the borrower must begin making regular principal and interest payments.

Borrow as little as $2,500 or as much as $10,000 per year. It takes just a short time to apply online.

Student Benefits

Competitive Interest Rates and with good grades, get even lower rates!
1% Interest Rate Reduction once you have repaid just 10% of the loan.
30 Day No-Fee Return Policy - Find a cheaper way, you can cancel the loan.
Use for ALL Education Expenses - Eligible expenses are determined by your school of choice
The friendly staff at SouthPoint is here to help with any questions.

FAQ's

Easy Web Based Application
$25.00 or interest payment each month = financial responsibility.
Borrower and Co-Borrower receive eStatements each month to track loan balance and payments
Rate based not only on credit scores of co-borrower but on borrowers academic rating, number of years in school, and school attended
Disbursements payable through Financial Aid Department of school of choice
Borrower and Co-Borrower must be a member of SouthPoint Federal Credit Union

Private student loans combined with our EzStart Savings Account, Free Checking, Debit Card, Credit Card, Virtual Branch (Online Banking) and Mobile Money provides an ideal package for graduating students.

Remember, it is best to apply for a private student loan AFTER you have explored and exhausted all federal aid, grants and scholarship options.

Invest In America

twc_service@spcmn.com (Administrator) — Fri, 07 Oct 2011 00:36:47 +0000

The Savings Keep Growing for SouthPoint Federal Credit Union Members with Invest in America

SouthPoint Federal Credit Union is proud to participate in Invest in America, a unique program offering our members' discounts on products and services from U.S. based companies. It not only gives our members' valuable discounts, but it also increases sales for the participating companies and, on a larger scale, helps stimulate the U.S. economy. Basically, Invest in America is a win-win for everyone.

Simply visit LoveMyCreditUnion.org to learn how, as a member of SouthPoint Federal Credit Union, you can receive money-saving discounts from:

General Motors
Sprint
Auto Nation Direct
Allied Van Lines
FTD
CU Benefits Express
CompleteTax
DIRECTV
Shop America - an online mall with over 1,200 merchants specifically for credit union members.

SouthPoint is here to help our members save with respected U.S. companies at a time when everyone needs it most. To learn more about Invest in America and details on all the current discounts visit LoveMyCreditUnion.org.