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 Southpoint Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Southpoint Financial Credit Union's 5 Month CD - with new deposits+ rates are at 3.85%, 5 Month CD of Deposit rates are at 3.85%, 5 Month CD - Current Deposits at SouthPoint+ rates are at 3.80%, 11 Month CD - with new deposits++ rates are at 3.75%, 11 Month CD - Current Deposits at SouthPoint++ rates are at 3.70%. Southpoint Financial Credit Union's savings rates are at 0.05%. Southpoint Financial Credit Union's Personal Loan Rates are at 8.99%. 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 2.84%. Rates were last updated on 04/19/2026. 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. Southpoint Financial Credit Union
Sleepy Eye Administrative Office 924 Main St E
https://www.southpointfinancial.com Sleepy Eye, MN 56085 4380 
Southpoint Financial Credit Union CD Rates
Southpoint Financial Credit Union Savings Rates
Southpoint Financial Credit Union Money Market Rates
Southpoint Financial Credit Union Checking Rates
Southpoint Financial Credit Union Home Equity & HELOC
Southpoint Financial Credit Union Auto Loan Rates
Southpoint Financial Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
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
9
Branch Locations
8
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.84%
Return on Assets (ROA)
0.4817%
Return on Equity (ROE)
4.3353%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
582,922,048
Total Amount of Shares and Deposits
488,638,049
Total Shares and Deposits < 1 Year
474,825,184
Total Shares and Deposits 1 3 Years
13,395,714
Total Shares and Deposits > 3 Years
417,150
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,436,465
Total Uninsured Shares and Deposits > $250K (F+J)
33,436,465
Total Insured Shares and Deposits > $250K (item 17 less item K)
455,201,584
Total Interest Expense (Sum of items 6 8)
8,420,473
Share Certificates
5,837
Number of Accounts for Share Drafts
18,135
IRA KEOGH Accounts
483
Number of Accounts for Regular Shares
42,360
All other shares
1,578
Money Market Shares
2,766
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
37,857,032
Total Liabilities
519,433,875
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southpoint Financial Credit UnionIs Southpoint Financial Credit Union a safe place to deposit money?Yes, Southpoint Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 2.8369543130783%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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