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Southpoint Financial Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 30, 2026
Southpoint Financial Credit Union's 18 Month CD (new deposits) rates are at 3.95%, 18 Month CD (current deposits) rates are at 3.90%, 12 Month CD (new deposits) rates are at 3.85%, 12 Month CD (current deposits) rates are at 3.80%, 6 Month CD (new deposits) rates are at 3.75%. Southpoint Financial Credit Union's savings rates are at 4.07%. Southpoint Financial Credit Union's checking rates are as high as 2.53%. Southpoint Financial Credit Union's Personal Loan Rates are as low as 9.99%. Southpoint Financial Credit Union's Credit Card Rates are at 7.00%. Southpoint Financial Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 1.13%. Rates last updated and verified on 10/30/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Southpoint Financial Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.13%
ExcellentLower than avg
Southpoint Financial Credit Union Texas Ratio
Southpoint Financial Credit Union's Texas Ratio is 1.13%, which is considered excellent and is lower than the national average of 6.13%.
Southpoint Financial Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.53% to 1.13% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Southpoint Financial Credit Union CD Rates
Product
Rate
APY
Term
View More
18 Month Certificate (new deposits)
3.912%
3.95%
18 months
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
18 Month IRA Certificate (new deposits)
3.912%
3.95%
18 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate; New deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
-
3.95%
18 Months
Min Deposit$2,500
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
18 Month Certificate (current deposits)
3.863%
3.90%
18 months
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
18 Month IRA Certificate (current deposits)
3.863%
3.90%
18 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate; Current deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
-
3.90%
18 Months
Min Deposit$2,500
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
12 Month Certificate (new deposits)
3.814%
3.85%
12 months
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
12 Month IRA Certificate (new deposits)
3.814%
3.85%
12 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate; New deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
12 Month Traditional & Roth IRA Certificate
-
3.85%
12 Months
Min Deposit$2,500
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
12 Month Certificate (current deposits)
3.765%
3.80%
12 months
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
12 Month IRA Certificate (current deposits)
3.765%
3.80%
12 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate; Current deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
12 Month Traditional & Roth IRA Certificate
-
3.80%
12 Months
Min Deposit$2,500
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month Certificate (new deposits)
3.715%
3.75%
6 months
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month IRA Certificate (new deposits)
3.715%
3.75%
6 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate; New deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month Traditional & Roth IRA Certificate
-
3.75%
6 Months
Min Deposit$2,500
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month Certificate (current deposits)
3.666%
3.70%
6 months
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month IRA Certificate (current deposits)
3.666%
3.70%
6 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate; Current deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month Traditional & Roth IRA Certificate
-
3.70%
6 Months
Min Deposit$2,500
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
60 Month Certificate
3.617%
3.65%
60 months
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
60 Month IRA Certificate
3.617%
3.65%
60 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
60 Month Traditional & Roth IRA Certificate
-
3.65%
60 Months
Min Deposit$2,500
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
24 Month Certificate
3.568%
3.60%
24 months
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
24 Month IRA Certificate
3.568%
3.60%
24 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
36 Month Certificate
3.568%
3.60%
36 months
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
36 Month IRA Certificate
3.568%
3.60%
36 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
36 Month Traditional & Roth IRA Certificate
-
3.60%
36 Months
Min Deposit$2,500
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
24 Month IRA Step Up Certificate
3.519%
3.55%
24 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
24 Month Step Up Certificate
3.519%
3.55%
24 months
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
36 Month Step Up Certificate
3.519%
3.55%
36 months
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
3 Month Certificate
2.485%
2.50%
3 months
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
3 Month IRA Certificate
2.485%
2.50%
3 months
Min Balance$2,500
DetailsTraditional and Roth IRA Certificate
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
3 Month Traditional & Roth IRA Certificate
-
2.50%
3 Months
Min Deposit$2,500
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union Savings Rates
Product
Rate
APY
View More
EzMoney Savings
4.00%
4.074%
DetailsFor portion of account balance up to $5,000.00
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
2.677%
2.71%
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 and over
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.71% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
2.286%
2.31%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.31% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
2.286%
2.31%
Min Balance$500,000
DetailsBalance: $500,000.00 - $999,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.31% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Health Savings Account (HSA)
2.00%
2.018%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Health Savings Account (HSA)
2.00%
2.018%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Health Savings Account (HSA)
2.00%
2.018%
Min Balance$50,000
DetailsBalance: $50,000.00 and above; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Health Savings Account (HSA)
-
2.018%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Health Savings Account (HSA)
2.00%
2.018%
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
1.795%
1.81%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
1.055%
1.06%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
IRA Savings
0.75%
0.752%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
0.708%
0.71%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.71% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
0.708%
0.71%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.71% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
0.559%
0.56%
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.56% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Holiday Club
0.50%
0.501%
Min Balance$0
DetailsBalance: $0 - $5,000
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
EzMoney Savings
0.15%
0.15%
Min Balance$5,000
DetailsFor portion of account balance that exceeds $5,000.00
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.07% → 0.15% ▼ 3.92 pts · high 4.07% / low 0.15%
Oct 19, 20260.15%▼ from 4.07%
Sep 14, 20264.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Holiday Club
0.15%
0.15%
Min Balance$5,000
DetailsBalance: $5,000.01 and over
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Membership Savings
0.10%
0.10%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
UrChoice Savings
0.10%
0.10%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
0.05%
0.05%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union Checking Rates
Product
Rate
APY
View More
Shining Star Checking
2.50%
2.529%
Min Balance$0
DetailsQualifications Required; Tier 3; Qualifying balance up to $20,000.00; Balance: $0 - $20,000.00; Variable rate, may change after account is open
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 0.01% → 2.53% ▲ 2.52 pts · high 2.53% / low 0.01%
Sep 27, 20262.53%▲ from 0.01%
Sep 14, 20260.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Rising Star Checking
0.747%
0.75%
Min Balance$100,000
DetailsBalance: $100,000.01 and over; Variable rate, may change after account is opened
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Rising Star Checking
0.50%
0.50%
Min Balance$50,000
DetailsBalance: $50,000.01 - $100,000.00; Variable rate, may change after account is opened
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Rising Star Checking
0.25%
0.25%
Min Balance$1,000
DetailsBalance: $1,000.01 - $50,000; Variable rate, may change after account is opened
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
EzMoney Checking
0.01%
0.01%
Min Balance$0
DetailsBalance: $0 - $5,000.00; Variable rate, may change after account is opened
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
EzMoney Checking
0.01%
0.01%
Min Balance$5,000
DetailsBalance: $5,000.01 and over; Variable rate, may change after account is opened
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
North Star Checking
0.00%
0.00%
No additional details.
Last Updated10/30/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Rising Star Checking
0.00%
0.00%
Min Balance$0
DetailsBalance: $0 - $1,000.00; Variable rate, may change after account is opened
Last Updated10/30/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
0.15%
0.15%
Min Balance$50,000
DetailsBalance: $50,000.00 and above; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business Checking
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business Checking
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business Checking
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business Checking
0.00%
0.00%
Min Balance$0
DetailsBalance: $0 - $999.99; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit (HELOC)
-
-
6.25%
DetailsAs Low As; 24-hour access to your money in Online Banking; Only pay interest on the funds you advance
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Home Equity Line of Credit Rate
6.50%
-
6.50%
DetailsOrigination fee of $50 applies to Home Equity Line of Credit; closing costs vary from $0.00 to $1,000.00
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 14, 20266.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Home Equity Adjustable Rate 10/1
7.375%
-
7.485%
240 months
DetailsTen-year fixed rate period; after initial period, rate adjusts by adding original margin to current index; closing costs vary from $0.00 to $1,000.00
Last Updated10/30/2026
Rate History
4 changes since Sep 18, 2026 · 7.11% → 7.49% ▲ 0.38 pts · high 7.99% / low 7.11%
Oct 26, 20267.49%▼ from 7.61%
Oct 19, 20267.61%▼ from 7.74%
Oct 14, 20267.74%▼ from 7.99%
Oct 10, 20267.99%▲ from 7.11%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Home Equity Adjustable Rate 5/5
7.375%
-
7.485%
240 months
DetailsFive-year fixed rate period; after initial period, rate adjusts by adding original margin to current index; closing costs vary from $0.00 to $1,000.00
Last Updated10/30/2026
Rate History
4 changes since Sep 18, 2026 · 7.11% → 7.49% ▲ 0.38 pts · high 7.99% / low 7.11%
Oct 26, 20267.49%▼ from 7.61%
Oct 19, 20267.61%▼ from 7.74%
Oct 14, 20267.74%▼ from 7.99%
Oct 10, 20267.99%▲ from 7.11%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used Auto & Truck
-
-
4.99%
DetailsAs Low As; Rate listed is our lowest possible rate for 36 months; Rates effective as of October 1, 2026
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
Oct 10, 20264.99%▲ from 4.49%
Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
RV/Camper Loan
-
5.49%
DetailsAs Low As; Rate listed is our lowest possible rate for 36 months; Rates effective as of October 1, 2026
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 10, 20265.49%▲ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Boat, Motorcycle, ATV, PWC, Snowmobile, Trailer, other Loan
-
5.99%
DetailsAs Low As; Rate listed is our lowest possible rate for 36 months; Rates effective as of October 1, 2026
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
Oct 10, 20265.99%▲ from 5.49%
Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Credit Card - Platinum Secured Card
-
7.00%
DetailsSecured card; requires funds equal to the credit limit deposited and held in SouthPoint Regular Savings Account
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Visa Secured Card
-
7.00%
DetailsRate based on credit-worthiness; Annual Fee: $0; Credit limit set by deposit to SouthPoint FCU Regular Savings account
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
VISA Credit Card - Platinum Select
-
13.75%
DetailsPublished APR range: 13.75%-18.00%.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 13.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
VISA Credit Card - Platinum Rewards
-
15.75%
DetailsPublished APR range: 15.75%-18.00%.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 15.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Visa Rewards Card
-
15.75%
DetailsRate range: 15.75% - 18.00% APR; Rate based on credit-worthiness; Annual Fee: $0; Rewards: Earn 1.5% cash back on all qualified purchases up to $100,000 spent per year.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 15.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
9.99%
36 months
DetailsMaximum term available for qualified borrowers
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 8.99% → 9.99% ▲ 1.00 pts · high 9.99% / low 8.99%
Oct 26, 20269.99%▲ from 8.99%
Sep 18, 20268.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Personal Loan
10.99%
60 months
DetailsMaximum term available for qualified borrowers
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 9.99% → 10.99% ▲ 1.00 pts · high 10.99% / low 9.99%
Oct 26, 202610.99%▲ from 9.99%
Sep 18, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Southpoint Financial Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Ready Reserve Loan
18.00%
-
18.00%
DetailsVariable Rate Ready Reserve; rates subject to change based on loan type, collateral, loan to value, credit history, account relationship, and automatic payments
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
12 Month Money Market Certificates
-
-
3.80%
12 Months
Min Deposit$1,000
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
12 Month Money Market Certificates
-
-
3.85%
12 Months
Min Deposit$1,000
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
18 Month Money Market Certificates
-
-
3.90%
18 Months
Min Deposit$1,000
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
18 Month Money Market Certificates
-
-
3.95%
18 Months
Min Deposit$1,000
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
3 Month Money Market Certificates
-
-
2.50%
3 months
Min Deposit$1,000
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month Money Market Certificates
-
-
3.70%
6 Months
Min Deposit$1,000
DetailsCurrent deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month Money Market Certificates
-
-
3.75%
6 Months
Min Deposit$1,000
DetailsNew deposits
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
60 Month Money Market Certificates
-
-
3.65%
60 months
Min Deposit$1,000
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Health Savings Account (HSA)
2.00%
-
2.018%
Min Balance$0
DetailsBalance: $0 - $2,499.99; Rates effective as of April 1, 2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Holiday Club
-
-
0.501%
Min Balance$0
DetailsBalance: $0 - $5,000.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Membership Savings
-
-
0.10%
Min Balance$0
DetailsBalance: Above $0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Premium Savings
-
-
0.05%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Traditional & Roth IRA
-
-
0.752%
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
UrChoice Savings
-
-
0.10%
Min Balance$0
DetailsBalance: Above $0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Financial Health History
Southpoint Financial Credit Union’s Texas Ratio stayed near 1.53% in Q3 2023 to 1.13% in Q2 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
June 30, 2026
$609M
1.13%
5.0
A+
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+
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 NameSouthpoint Financial Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,185,154
Total Uninsured Shares and Deposits > $250K (F+J)
38,185,154
Total Insured Shares and Deposits > $250K (item 17 less item K)
497,885,070
Total Interest Expense (Sum of items 6 8)
5,467,506
Share Certificates
6,137
Number of Accounts for Share Drafts
19,057
IRA KEOGH Accounts
488
Number of Accounts for Regular Shares
43,963
All other shares
1,523
Money Market Shares
2,831
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)
27,891,563
Total Liabilities
542,042,156
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Southpoint Financial Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Southpoint Financial Credit Union
Frequently Asked Questions About Southpoint Financial Credit Union
Does Southpoint Financial Credit Union offer CDs?
Yes. Southpoint Financial Credit Union current CD rates include its 18 Month CD (new deposits) at 3.95% APY, its 18 Month CD (current deposits) at 3.90% APY and its 12 Month CD (new deposits) at 3.85% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Southpoint Financial Credit Union NCUA insured?
Yes. Southpoint Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Southpoint Financial Credit Union?
The highest Southpoint Financial Credit Union CD rate is its 18 Month CD (new deposits) at 3.95% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Southpoint Financial Credit Union offer?
Southpoint Financial Credit Union CD rates are 3.75% APY for a 6 month CD, 3.85% APY for a 12 month CD, 3.95% APY for an 18 month CD, 3.55% APY for a 2 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Southpoint Financial Credit Union for its full lineup.
What is the highest savings rate at Southpoint Financial Credit Union?
The highest Southpoint Financial Credit Union savings rate is its EzMoney Savings at 4.074% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Southpoint Financial Credit Union?
The highest Southpoint Financial Credit Union money market rate is its 18 Month Money Market CDs at 3.95% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Southpoint Financial Credit Union?
The highest Southpoint Financial Credit Union checking rate is its Shining Star Checking at 2.529% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at Southpoint Financial Credit Union?
The lowest Southpoint Financial Credit Union auto loan rate is its New & Used Auto & Truck at 4.99% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Southpoint Financial Credit Union?
The lowest Southpoint Financial Credit Union personal loan rate is its Personal Loan at 9.99%, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at Southpoint Financial Credit Union?
The lowest Southpoint Financial Credit Union credit card APR is its VISA Credit Card - Platinum Secured Card at 7.00% APR, verified by MonitorBankRates as of October 30, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Southpoint Financial Credit Union rates compare?
Southpoint Financial Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. Southpoint Financial Credit Union's top rates are its 18 Month CD (new deposits) at 3.95% APY, its EzMoney Savings at 4.074% APY, its Shining Star Checking at 2.529% APY, its Personal Loan at 9.99% APR and its VISA Credit Card - Platinum Secured Card at 7.00% APR, verified by MonitorBankRates on October 30, 2026.
Current Southpoint Financial Credit Union Rates
12-Month CD3.80%
18-Month CD3.90%
24-Month CD3.55%
60-Month CD3.65%
Savings4.07%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
