What are the current interest rates at Southpoint Financial Credit Union?

Current rates for Southpoint Financial Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.90%, 24-Month CD: 3.60%, 60-Month CD: 3.65%, Savings: 0.05%

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Southpoint Financial Credit Union

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Southpoint Financial Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southpoint Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Southpoint Financial Credit Union's 11-Month CD rates are at 3.95%, 18 Month CD (new deposits) rates are at 3.95%, 18 Month IRA CD (new deposits) rates are at 3.95%, 18 Month Traditional & Roth IRA CD rates are at 3.95%, 5-Month CD rates are at 3.95%. Southpoint Financial Credit Union's savings rates are at 0.05%. Southpoint Financial Credit Union's Personal Loan Rates are as low as 8.99%. Southpoint Financial Credit Union's Credit Card Rates are at 7.00%. MonitorBankRates evaluates the financial stability of Southpoint Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.99%. Rates last updated and verified on 09/22/2026.

Southpoint Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southpoint Financial Credit Union? Share your experience about Southpoint Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Southpoint Financial Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.99%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Southpoint Financial Credit Union
Sleepy Eye Administrative Office

924 Main St E
Sleepy Eye, MN 56085-4380

https://www.southpointfinancial.com

Southpoint Financial Credit Union CD Rates

Product	Rate	APY	Term
11-Month Certificate	-	3.95%	11 months
Min Deposit $1,000 Details New money required for 3.950% APY; 3.900% APY if any portion is currently on deposit. Limit of $1,000,000 deposited per household. Promotion for a limited time only. Rolls into a 12-Month Certificate at maturity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month Certificate (new deposits)	3.91%	3.95%	18 Month
Details new deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month IRA Certificate (new deposits)	3.91%	3.95%	18 Month
Min Balance $2,500 Details IRA Certificate, new deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month Traditional & Roth IRA Certificate	-	3.95%	18 Months
Min Deposit $2,500 Details Term: 18 Months (new deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
5-Month Certificate	-	3.95%	5 months
Min Deposit $1,000 Details New money required for 3.950% APY; 3.900% APY if any portion is currently on deposit. Limit of $1,000,000 deposited per household. Promotion for a limited time only. Rolls into a 6-Month Certificate at maturity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
11-Month Certificate	-	3.90%	11 months
Min Deposit $1,000 Details Rate applies if any portion is currently on deposit. Limit of $1,000,000 deposited per household. Promotion for a limited time only. Rolls into a 12-Month Certificate at maturity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month Certificate (current deposits)	3.86%	3.90%	18 Month
Details current deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month IRA Certificate (current deposits)	3.86%	3.90%	18 Month
Min Balance $2,500 Details IRA Certificate, current deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month Traditional & Roth IRA Certificate	-	3.90%	18 Months
Min Deposit $2,500 Details Term: 18 Months (current deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
5-Month Certificate	-	3.90%	5 months
Min Deposit $1,000 Details Rate applies if any portion is currently on deposit. Limit of $1,000,000 deposited per household. Promotion for a limited time only. Rolls into a 6-Month Certificate at maturity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month Certificate (new deposits)	3.81%	3.85%	12 Month
Details new deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month IRA Certificate (new deposits)	3.81%	3.85%	12 Month
Min Balance $2,500 Details IRA Certificate, new deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month Traditional & Roth IRA Certificate	-	3.85%	12 Months
Min Deposit $2,500 Details Term: 12 Months (new deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month Certificate (current deposits)	3.77%	3.80%	12 Month
Details current deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month IRA Certificate (current deposits)	3.77%	3.80%	12 Month
Min Balance $2,500 Details IRA Certificate, current deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month Traditional & Roth IRA Certificate	-	3.80%	12 Months
Min Deposit $2,500 Details Term: 12 Months (current deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month Certificate (new deposits)	3.72%	3.75%	6 Month
Details new deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month IRA Certificate (new deposits)	3.72%	3.75%	6 Month
Min Balance $2,500 Details IRA Certificate, new deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month Traditional & Roth IRA Certificate	-	3.75%	6 Months
Min Deposit $2,500 Details Term: 6 Months (new deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month Certificate (current deposits)	3.67%	3.70%	6 Month
Details current deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month IRA Certificate (current deposits)	3.67%	3.70%	6 Month
Min Balance $2,500 Details IRA Certificate, current deposits Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month Traditional & Roth IRA Certificate	-	3.70%	6 Months
Min Deposit $2,500 Details Term: 6 Months (current deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
60 Month Certificate	3.62%	3.65%	60 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
60 Month IRA Certificate	3.62%	3.65%	60 Month
Min Balance $2,500 Details IRA Certificate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
60 Month Traditional & Roth IRA Certificate	-	3.65%	60 Months
Min Deposit $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month Certificate	3.57%	3.60%	24 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month IRA Certificate	3.57%	3.60%	24 Month
Min Balance $2,500 Details IRA Certificate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month Traditional & Roth IRA Certificate	-	3.60%	24 Months
Min Deposit $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36 Month Certificate	3.57%	3.60%	36 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36 Month IRA Certificate	3.57%	3.60%	36 Month
Min Balance $2,500 Details IRA Certificate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36 Month Traditional & Roth IRA Certificate	-	3.60%	36 Months
Min Deposit $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month IRA Step Up Certificate	3.52%	3.55%	24 Month
Min Balance $2,500 Details IRA Certificate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month Step Up Certificate	3.52%	3.55%	24 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month Step-Up Certificate	-	3.55%	24 months
Min Deposit $1,000 Details This account allows you to boost your rate up with changes in the market. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36 Month Step Up Certificate	3.52%	3.55%	36 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36 Month Step-Up Certificate	-	3.55%	36 months
Min Deposit $1,000 Details This account allows you to boost your rate up with changes in the market. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
3 Month Certificate	2.49%	2.50%	3 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
3 Month IRA Certificate	2.49%	2.50%	3 Month
Min Balance $2,500 Details IRA Certificate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
3 Month Traditional & Roth IRA Certificate	-	2.50%	3 Months
Min Deposit $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Southpoint Financial Credit Union Savings Rates

Product	Rate	APY
EzMoney Savings	4.00%	4.07%
Min Balance $0 Details Balance: For portion of account balance up to $5,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	2.68%	2.71%
Min Balance $1,000,000 Details Balance: $1,000,000.00 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	2.29%	2.31%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	2.29%	2.31%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Health Savings Account (HSA)	2.00%	2.02%
Min Balance $0 Details Balance: $0 - $2,499.99; Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Health Savings Account (HSA)	2.00%	2.02%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Health Savings Account (HSA)	2.00%	2.02%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Health Savings Account (HSA)	2.00%	2.02%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Health Savings Account (HSA)	2.00%	2.02%
Min Balance $50,000 Details Balance: $50,000.00 and above; Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	1.80%	1.81%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	1.06%	1.06%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
IRA Savings	0.75%	0.75%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	0.71%	0.71%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	0.71%	0.71%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	0.56%	0.56%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Holiday Club	0.50%	0.50%
Min Balance $0 Details Balance: $0 - $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
EzMoney Savings	0.15%	0.15%
Min Balance $5,000 Details Balance: For portion of account balance that exceeds $5,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Holiday Club	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.01+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Membership Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
UrChoice Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Southpoint Financial Credit Union Checking Rates

Product	Rate	APY
Shining Star Checking	2.50%	2.53%
Min Balance $0 Details Qualifications Required: eStatements; Direct Deposit of $500 or more monthly; 25 or more debit card purchases; Balance: $0 - $20,000.00; Variable rates. Rate may change after the account is open; eStatements, Direct Deposit of $500 or more monthly, & 25 or more debit card purchases Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Rising Star Checking	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000.01 +. Variable rates. Rate may change after the account is open. Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Rising Star Checking	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00. Variable rates. Rate may change after the account is open. Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Rising Star Checking	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000.01 - $50,000. Variable rates. Rate may change after the account is open. Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Business Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Business Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Business Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Business Checking	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
EzMoney Checking	0.01%	0.01%
Details Balance: $0 - $5,000.00. Variable rates. Rate may change after the account is open. Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
EzMoney Checking	0.01%	0.01%
Min Balance $5,000 Details Balance: $5,000.01 +. Variable rates. Rate may change after the account is open. Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
EzMoney Checking	-	0.01%
Min Balance $0 Details Qualifications Required: Age 0 to 24; Enrolled in e-Statements; APY* $0 - $5,000.00 - 0.010% $5,000.01 + - 0.010%. Requirements Age 0 to 24 Enrolled in e-Statements. EzSavings is required to have an EzChecking account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Shining Star Checking	0.01%	0.01%
Min Balance $0 Details Qualifications Required: eStatements; Direct Deposit of $500 or more monthly; Balance: $0+; Variable rates. Rate may change after the account is open; eStatements, & Direct Deposit of $500 or more monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Shining Star Checking	0.01%	0.01%
Min Balance $20,000 Details Balance: $20,000.01+; Variable rates. Rate may change after the account is open Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Southpoint Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	6.25%
Details HELOC Rates as low as 6.250% APR* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Line of Credit Rate	6.25%	-	6.25%
Details Closing costs varies from $0.00 to $1,000.00. Origination fee of $50 applies to Home Equity Line of Credit. Home Equity Loan - 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Adjustable Rate 10/1	7.00%	-	7.11%	240 months
Details Closing costs varies from $0.00 to $1,000.00. Origination fee of $50 applies to Home Equity Line of Credit. Home Equity Loan - 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Adjustable Rate 5/5	7.00%	-	7.11%	240 months
Details Closing costs varies from $0.00 to $1,000.00. Origination fee of $50 applies to Home Equity Line of Credit. Home Equity Loan - 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Southpoint Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto & Truck	-	-	4.49%
Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Southpoint Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
RV/Camper Loan	-	4.99%
Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Boat, Motorcycle, ATV, PWC, Snowmobile, Trailer, other Loan	-	5.49%
Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Southpoint Financial Credit Union Credit Card Rates

Product	Rate	APR
Visa Secured Card	-	7.00%
Details You set your own credit limit with a deposit to your SouthPoint FCU Regular Savings account. Rate based on credit-worthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Visa Select Card	-	13.75%
Details Published APR range: 13.75% - 18.00%. Rate based on credit-worthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Visa Rewards Card	-	15.75%
Details Published APR range: 15.75% - 18.00%. Earn 1.5% cash back on all qualified purchases up to $100,000 spent per year. Rate based on credit-worthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Southpoint Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.99%	36 months
Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Personal Loan	9.99%	60 months
Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Southpoint Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Platinum Rewards Loan	-	-	15.75%
Details Published APR range: 15.75%-18.00%. Intro rate expires: 12 months; Regular APR: 15.75%-18.00% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Platinum Secured Card Loan	-	-	7.00%
Details A secured credit card requires funds that equal the credit limit be deposited and held in your SouthPoint Regular Savings Account.; Regular APR: 7.00% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Platinum Select Loan	-	-	13.75%
Details Published APR range: 13.75%-18.00%. Intro rate expires: 12 months; Regular APR: 13.75%-18.00% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Ready Reserve Loan	18.00%	-	18.00%
Details Variable Rate Ready Reserve. 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 FCU. Other conditions may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month Money Market Certificates	-	-	3.80%	12 Months
Min Deposit $1,000 Details Term: 12 Months (current deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month Money Market Certificates	-	-	3.85%	12 Months
Min Deposit $1,000 Details Term: 12 Months (new deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month Money Market Certificates	-	-	3.90%	18 Months
Min Deposit $1,000 Details Term: 18 Months (current deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month Money Market Certificates	-	-	3.95%	18 Months
Min Deposit $1,000 Details Term: 18 Months (new deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month Money Market Certificates	-	-	3.60%	24 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
3 Month Money Market Certificates	-	-	2.50%	3 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36 Month Money Market Certificates	-	-	3.60%	36 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month Money Market Certificates	-	-	3.70%	6 Months
Min Deposit $1,000 Details Term: 6 Months (current deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month Money Market Certificates	-	-	3.75%	6 Months
Min Deposit $1,000 Details Term: 6 Months (new deposits) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
60 Month Money Market Certificates	-	-	3.65%	60 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
EzMoney Checking	-	-	0.01%
Min Balance $5,000 Details Qualifications Required: Age 0 to 24; Enrolled in e-Statements; APY* $0 - $5,000.00 - 0.010% $5,000.01 + - 0.010%. Requirements Age 0 to 24 Enrolled in e-Statements. EzSavings is required to have an EzChecking account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Health Savings Account (HSA)	-	-	2.02%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Health Savings Account (HSA)	-	-	2.02%
Min Balance $50,000 Details Balance: $50,000.00 - $50,000.00 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Holiday Club	-	-	0.50%
Min Balance $0 Details Balance: $0 - $5,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Membership Savings	-	-	0.10%
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premium Savings	-	-	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Rising Star Checking	-	-	0.25%
Min Balance $1,000 Details Balance: $1,000.01 - $50,000.00; Qualifications Required: Balance above $1,000.00 to earn interest; APY* $0 - $1,000.00 - 0.000% $1,000.01 - $50,000.00 - 0.250% $50,000.01 - $100,000.00 - 0.500% $100,000.01 + - 0.750%. Requirements Balance above $1,000.00 to earn interest Tiered interest rates Tier 1: $0 - $1,000.00 Tier 2: $1,000.01 - $50,000.00 Tier 3: $50,000.01 - $100,000.00 Tier 4: $100,000.01+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Rising Star Checking	-	-	0.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00; Qualifications Required: Balance above $1,000.00 to earn interest; APY* $0 - $1,000.00 - 0.000% $1,000.01 - $50,000.00 - 0.250% $50,000.01 - $100,000.00 - 0.500% $100,000.01 + - 0.750%. Requirements Balance above $1,000.00 to earn interest Tiered interest rates Tier 1: $0 - $1,000.00 Tier 2: $1,000.01 - $50,000.00 Tier 3: $50,000.01 - $100,000.00 Tier 4: $100,000.01+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Rising Star Checking	-	-	0.75%
Min Balance $100,000 Details Qualifications Required: Balance above $1,000.00 to earn interest; APY* $0 - $1,000.00 - 0.000% $1,000.01 - $50,000.00 - 0.250% $50,000.01 - $100,000.00 - 0.500% $100,000.01 + - 0.750%. Requirements Balance above $1,000.00 to earn interest Tiered interest rates Tier 1: $0 - $1,000.00 Tier 2: $1,000.01 - $50,000.00 Tier 3: $50,000.01 - $100,000.00 Tier 4: $100,000.01+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Shining Star Checking	-	-	0.01%
Min Balance $0 Details Qualifications Required: e-statements and Direct Deposit of $500 or more monthly; APY* Tier 1 $0+ - 0.000% Tier 2* $0+ - 0.010% Tier 3* $0 - $20,000.00 - 2.529% Tier 3* $20,000.01 + - 0.010%. Requirements Interest is earned the following ways: Tier 1: No requirements Tier 2: e-statements and Direct Deposit of $500 or more monthly **Tier 3: all of Tier 2 plus 25 or more debit card purchases Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Shining Star Checking	-	-	2.53%
Min Balance $0 Details Qualifications Required: all of Tier 2 plus 25 or more debit card purchases; APY* Tier 1 $0+ - 0.000% Tier 2* $0+ - 0.010% Tier 3* $0 - $20,000.00 - 2.529% Tier 3* $20,000.01 + - 0.010%. Requirements Interest is earned the following ways: Tier 1: No requirements Tier 2: e-statements and Direct Deposit of $500 or more monthly **Tier 3: all of Tier 2 plus 25 or more debit card purchases Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Shining Star Checking	-	-	0.01%
Min Balance $20,000 Details Qualifications Required: all of Tier 2 plus 25 or more debit card purchases; APY* Tier 1 $0+ - 0.000% Tier 2* $0+ - 0.010% Tier 3* $0 - $20,000.00 - 2.529% Tier 3* $20,000.01 + - 0.010%. Requirements Interest is earned the following ways: Tier 1: No requirements Tier 2: e-statements and Direct Deposit of $500 or more monthly **Tier 3: all of Tier 2 plus 25 or more debit card purchases Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Traditional & Roth IRA	-	-	0.75%
Min Deposit $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
UrChoice Savings	-	-	0.10%
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Southpoint Financial Credit Union’s Texas Ratio stayed near 1.08% in Q2 2023 to 0.99% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$620M	0.99%	5.0	A+
December 31, 2025	$610M	3.04%	5.0	A+
September 30, 2025	$583M	2.78%	5.0	A+
June 30, 2025	$585M	0.58%	5.0	A+
March 31, 2025	$578M	1.26%	5.0	A+
December 31, 2024	$572M	0.82%	5.0	A+
September 30, 2024	$549M	1.21%	5.0	A+
June 30, 2024	$534M	1.51%	5.0	A+
March 31, 2024	$546M	1.01%	5.0	A+
December 31, 2023	$524M	1.30%	5.0	A+
September 30, 2023	$527M	1.53%	5.0	A+
June 30, 2023	$526M	1.08%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Southpoint Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Southpoint Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Southpoint Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southpoint Financial Credit Union

Website https://www.southpointfinancial.com

Address 924 Main St E, Sleepy Eye, MN 56085-4380

Phone 877-794-6712

Fax 507-794-5540

President Adam Seifert

CEO Jay Gostonczik

Full-Time Employees 98

Part-Time Employees 8

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.99%

Return on Assets (ROA)

0.2193%

Return on Equity (ROE)

2.0286%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

619,975,951

Total Amount of Shares and Deposits

539,116,785

Total Shares and Deposits < 1 Year

536,051,317

Total Shares and Deposits 1 3 Years

2,693,736

Total Shares and Deposits > 3 Years

371,732

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

39,988,661

Total Uninsured Shares and Deposits > $250K (F+J)

39,988,661

Total Insured Shares and Deposits > $250K (item 17 less item K)

499,128,124

Total Interest Expense (Sum of items 6 8)

2,743,096

Share Certificates

6,221

Number of Accounts for Share Drafts

18,718

IRA KEOGH Accounts

489

Number of Accounts for Regular Shares

43,254

All other shares

1,518

Money Market Shares

2,797

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

61,050,874

Total Liabilities

554,053,361

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Southpoint Financial Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Southpoint Financial Credit Union

How many branches does Southpoint Financial Credit Union operate?

Southpoint Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Southpoint Financial Credit Union?

Yes, to access services at Southpoint Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Southpoint Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southpoint Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Southpoint Financial Credit Union offer online and mobile banking?

Most modern institutions like Southpoint Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southpointfinancial.com.

Current Southpoint Financial Credit Union Rates

12-Month CD3.80%
18-Month CD3.90%
24-Month CD3.60%
60-Month CD3.65%
Savings0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Southpoint Financial Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Southpoint Financial Credit Union Texas Ratio

Southpoint Financial Credit Union Health Trend

Southpoint Financial Credit Union CD Rates

Southpoint Financial Credit Union Savings Rates

Southpoint Financial Credit Union Checking Rates

Southpoint Financial Credit Union Home Equity & HELOC

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Southpoint Financial Credit Union RV, Boat and Powersport Loan Rates

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Southpoint Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Southpoint Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Southpoint Financial Credit Union

How many branches does Southpoint Financial Credit Union operate?

Is a member application needed to join Southpoint Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Southpoint Financial Credit Union offer online and mobile banking?

Current Southpoint Financial Credit Union Rates

Compare to Other Credit Unions