Rates
Savings Rates
Savings |
Dividend Rate |
APY* |
---|---|---|
Click here for required Truth & Savings Disclosure Rates effective as of April 9, 2024. |
||
Membership Savings |
0.100 |
0.100 |
EzMoney Savings - For portion of account balance up to $5,000.00 |
4.000 |
4.074 |
EzMoney Savings - For portion of account balance that exceeds $5,000.00 |
0.150 |
0.150 |
Premium Savings $0 - $2,499.99 |
0.050 |
0.050 |
Premium Savings $2,500.00 - $9,999.99 |
0.050 |
0.050 |
Premium Savings $10,000.00 - $24,999.99 |
0.995 |
1.000 |
Premium Savings $25,000.00 - $49,999.99 |
0.995 |
1.000 |
Premium Savings $50,000.00 - $99,999.99 |
1.243 |
1.250 |
Premium Savings $100,000.00 - $249,999.99 |
1.490 |
1.500 |
Premium Savings $250,000.00 - $499,999.99 |
1.736 |
1.750 |
Premium Savings $500,000.00 - $999,999.99 |
1.736 |
1.750 |
Premium Savings $1,000,000.00 + |
1.982 |
2.000 |
Holiday Club $0 - $5,000 |
0.500 |
0.501 |
Holiday Club $5,000.01+ |
0.150 |
0.150 |
IRA Savings |
0.750 |
0.752 |
UrChoice Savings |
0.100 |
0.100 |
Dividend Rate |
APY* |
|
---|---|---|
*Variable rates. Rate may change after the account is open Rates effective as of April 1, 2024. |
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Tier 1** $0+ |
0.000 |
0.000 |
Tier 2*** $0+ |
0.010 |
0.010 |
Tier 3**** $0 - $20,000.00 |
2.500 |
2.529 |
Tier 3**** $20,000.01+ |
0.010 |
0.010 |
Other Checking
Dividend Rate |
APY* |
|
---|---|---|
*Variable rates. Rate may change after the account is open Rates effective as of April 1, 2024. |
||
Basic Checking |
0.000 |
0.000 |
EzMoney Checking $0 - $5,000.00 |
0.010 |
0.010 |
EzMoney Checking $5,000.01 + |
0.010 |
0.010 |
Special Certificate Rates
Certificates |
Dividend Rate |
APY* |
---|---|---|
Click here for required Truth & Savings Disclosure +++APY=Annual Percentage Yield. Rates Effective as of March 8, 2024. Promotion for 8-Month Certificate is for a limited time only. The minimum balance to open a 8-Month certificate, when offered, is $1,000. To obtain the 4.850% APY your total deposit (100%) must be comprised of new money (not previously on deposit with SouthPoint Financial Credit Union). If any portion of your initial certificate of deposit is currently on deposit with SouthPoint Financial Credit Union you will receive a rate of 4.750% APY on your new 8-Month Certificate. Certificate rate remains fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity of Certificate. Limit of $1,000,000 deposited per household. The 8-Month Certificate promotion will roll into a 6-Month Certificate at maturity. Federally Insured by NCUA. All certificate specials are available as Traditional or Roth. Federally Insured by NCUA. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates. |
||
8 Month Certificate - Current Deposits at SouthPoint+++ |
4.695 |
4.750 |
8 Month Certificate - with new deposits+++ |
4.793 |
4.850 |
Certificate Rates
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Certificates |
Dividend Rate |
APY* |
---|---|---|
Rates effective as of April 1, 2024 Click here for required Truth & Savings Disclosure *APY = Annual Percentage Yield Certificate rates remain fixed for the term of the certificate. |
||
3 Month Certificate |
0.920 |
0.923 |
6 Month Certificate |
2.100 |
2.111 |
12 Month Certificate |
2.500 |
2.515 |
18 Month Certificate |
2.450 |
2.465 |
24 Month Certificate |
2.900 |
2.921 |
36 Month Certificate |
2.750 |
2.768 |
60 Month Certificate |
3.000 |
3.023 |
24 Month Step Up Certificate |
2.850 |
2.870 |
36 Month Step Up Certificate |
2.700 |
2.718 |
3 Month IRA Certificate** |
0.920 |
0.923 |
6 Month IRA Certificate** |
2.100 |
2.111 |
12 Month IRA Certificate** |
2.500 |
2.515 |
18 Month IRA Certificate** |
2.450 |
2.465 |
24 Month IRA Certificate** |
2.900 |
2.921 |
36 Month IRA Certificate** |
2.750 |
2.768 |
60 Month IRA Certificate** |
3.000 |
3.023 |
24 Month IRA Step Up Certificate** |
2.850 |
2.870 |
HSA Rates
Health Savings Account (HSA) |
Dividend Rate |
APY* |
---|---|---|
Click here for required Truth & Savings Disclosure Rates effective as of April 1, 2024. *APY = Annual Percentage Yield |
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$0 - $2,499.99 |
2.000 |
2.018 |
$2,500.00 - $9,999.99 |
2.000 |
2.018 |
$10,000.00 - $24,999.99 |
2.000 |
2.018 |
$25,000.00 - $49,999.99 |
2.000 |
2.018 |
$50,000.00 and above |
2.000 |
2.018 |
SouthPoint Financial Credit Union offers mortgages through SouthPoint Home Mortgage, a wholly owned division of SouthPoint Financial Credit Union. All information regarding mortgages may be found on their website, www.southpointhomemortgage.com or by calling SouthPoint Home Mortgage at 877-636-5346.
Visa Credit Cards
VISA Credit Card |
APR* |
---|---|
Click to learn more about our Credit Cards Rates effective as of September 7, 2023 All rates are subject to change. *APR = Annual Percentage Rate ** A secured credit card requires funds that equal the credit limit be deposited and held in your SouthPoint Regular Savings Account. Foreign Transaction Fee – 1.00% of each multiple currency transaction in U.S. dollars. 0.80% of each single currency transaction in U.S. dollars. Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower’s credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Financial. Other conditions may apply. |
|
Platinum Rewards |
17.50%-18.00% |
Platinum Select |
15.50%-18.00% |
Platinum Secured Card** |
7.00% |
Vehicle Loans
Loan Type |
APR* As low as |
---|---|
Rates effective as of April 1, 2024 All rates are subject to change. *APR = Annual Percentage Rate ***Rate listed is our lowest possible rate for 36 months. Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower’s credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Financial. Other conditions may apply. |
|
New & Used Auto & Truck*** |
5.74% |
Boat, Motorcycle, ATV, PWC, Snowmobile, Trailer, other*** |
6.74% |
RV/Camper*** |
6.24% |
Business Checking
Business Checking |
Dividend Rate |
APY* |
---|---|---|
Rates effective as of April 1, 2024 *APY = Annual Percentage Yield |
||
$0 - $999.99 |
0.000 |
0.000 |
$1,000.00 - $9,999.99 |
0.050 |
0.050 |
$10,000.00 - $24,999.99 |
0.050 |
0.050 |
$25,000.00 - $49,999.99 |
0.050 |
0.050 |
$50,000.00 and above |
0.150 |
0.150 |
Consumer Loans
Loans |
Interest Rate |
APR* |
Term |
---|---|---|---|
What you should know about Home Equity Lines of Credit ++ APR – Annual Percentage Rate. No closing costs may not be available in all states and does not include cost of a full appraisal or full title work if needed. Promotional interest rate is as of April 22, 2024 and is subject to change. Home Equity Line of Credit – as low as 5.99% APR for 12 months from the closing date. After 12 months, rate will vary between 5.99% – 18.00% based on your creditworthiness. Minimum disbursement of $15,000 is required. If you fail to comply with this criterion, the interest rate on your HELOC will increase to the variable rate stated on the Home Equity Line Agreement and Disclosure statement even if the twelve (12) months are not up yet. Home Equity Loan – as low as 5.99% APR for the initial five-year or ten-year fixed rate period. After the initial period, the new interest rate for each change date will be calculated by adding the original margin to the current index. Maximum loan amount is $100,000. $10,000 in new money is required for any refinance of an existing SouthPoint loan. Federally Insurance by NCUA. Equal Housing Opportunity. Rates effective as of April 25, 2024. All rates are subject to change. *APR = Annual Percentage Rate **Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower’s credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Financial. Other conditions may apply. |
|||
Member Loan** |
8.99 |
8.99 |
36 |
Member Loan** |
9.99 |
9.99 |
60 |
Share Savings Secured Loan |
Ask Us |
Ask Us |
36 |
Certificate of Deposit Secured Loan |
Ask Us |
Ask Us |
36 |
Ready Reserve Loan |
15.00 |
15.00 |
N/A |
Home Equity Adjustable Rate 5/5 ++ |
5.99 |
6.094 |
240 |
Home Equity Adjustable Rate 10/1 ++ |
6.49 |
6.590 |
240 |
Home Equity Line of Credit Rate ++ |
5.99 |
5.99 |
N/A |