Southpoint Financial Credit Union

Sleepy Eye, Minnesota
Last verified: August 4, 2026
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Verified rate book

Current Southpoint Financial Credit Union rates

65 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

5 offers
Southpoint Financial Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.490% APR4.490%—Standard
New & Used Auto & Truck***auto_any4.490% APR4.490%anyStandard
RV/Camper***rv4.990% APR4.990%—Standard
ATV Loanpowersports5.490% APR5.490%—Standard
Boat, Motorcycle, ATV, PWC, Snowmobile, Trailer, other***boat5.490% APR5.490%—Standard

HELOC rates

2 offers
Southpoint Financial Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable6.250% APR6.250%—Standard
Home Equity Adjustable Rate 10/1 ++heloc_variable7.000% APR7.000%—Standard

Personal loan rates

1 offer
Southpoint Financial Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Unsecured Personal Loanpersonal_unsecured_60mo9.990% APR9.990%60 moStandard

Credit card rates

2 offers
Southpoint Financial Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Selectcredit_card_platinum13.750% APR13.750%—Standard
Platinum Rewardscredit_card_rewards15.750% APR15.750%—Standard

Savings & CD rates

53 offers
Southpoint Financial Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Shining Star Checkingsavings0.01% APY0.01%—Standard
Tier 2*** $0+savings0.01% APY0.01%—Standard
EzMoney Checking - $0 - $5,000.00savings0.01% APY0.01%—Standard
EzMoney Checking - $5,000.01 +savings0.01% APY0.01%—Standard
Tier 3**** $20,000.01+savings0.01% APY0.01%—Standard
Premium Savings $0 - $2,499.99savings0.05% APY0.05%—Standard
$1,000.00 - $9,999.99savings0.05% APY0.05%—Standard
Membership Savingssavings0.10% APY0.10%—Standard
EzMoney Savings - For portion of account balance that exceeds $5,000.00savings0.15% APY0.15%—Standard
Holiday Club $5,000.01+savings0.15% APY0.15%—Specialty offer
Rising Star Checking - $1,000.01 - $50,000savings0.25% APY0.25%—Standard
Rising Star Checking - $50,000.01 - $100,000.00savings0.50% APY0.50%—Standard
Holiday Club $0 - $5,000savings0.50% APY0.50%—Specialty offer
Premium Savings $2,500.00 - $9,999.99savings0.56% APY0.56%—Standard
Premium Savings $10,000.00 - $24,999.99savings0.71% APY0.71%—Standard
Premium Savings $25,000.00 - $49,999.99savings0.71% APY0.71%—Standard
Rising Star Checking - $100,000.01 +savings0.75% APY0.75%—Standard
IRAira0.75% APY0.75%—Standard
Premium Savings $50,000.00 - $99,999.99savings1.05% APY1.05%—Standard
3-Month IRA Certificateira_cd_3mo1.70% APY1.69%3 moStandard
3-Month Certificatecd_3mo1.70% APY1.69%3 moStandard
Premium Savings $100,000.00 - $249,999.99savings1.79% APY1.79%—Standard
$0 - $2,499.99savings2.00% APY2.00%—Standard
$50,000.00 And Abovesavings2.00% APY2.00%—Standard
$2,500.00 - $9,999.99savings2.00% APY2.00%—Standard
$25,000.00 - $49,999.99savings2.00% APY2.00%—Standard
$10,000.00 - $24,999.99savings2.00% APY2.00%—Standard
Premium Savings $250,000.00 - $499,999.99savings2.29% APY2.29%—Standard
Premium Savings $500,000.00 - $999,999.99savings2.29% APY2.29%—Standard
6-Month Certificatecd_6mo2.50% APY2.48%6 moStandard
6-Month IRA Certificateira_cd_6mo2.50% APY2.48%6 moStandard
Tier 3**** $0 - $20,000.00savings2.50% APY2.50%—Standard
Premium Savings $1,000,000.00 +savings2.68% APY2.68%—Standard
12-Month IRA Certificateira_cd_12mo3.00% APY2.98%12 moStandard
12-Month Certificatecd_12mo3.00% APY2.98%12 moStandard
36 Month Step Up Certificatecd_36mo3.15% APY3.13%36 moStandard
36-Month Certificatecd_36mo3.20% APY3.17%36 moStandard
36-Month IRA Certificateira_cd_36mo3.20% APY3.17%36 moStandard
60-Month Certificatecd_60mo3.25% APY3.22%60 moStandard
60-Month IRA Certificateira_cd_60mo3.25% APY3.22%60 moStandard
18-Month IRA Certificateira_cd_18mo3.25% APY3.22%18 moStandard
18-Month Certificatecd_18mo3.25% APY3.22%18 moStandard
24 Month Step Up Certificatecd_24mo3.35% APY3.32%24 moStandard
24 Month IRA Step Up Certificate**ira_cd_24mo3.35% APY3.32%24 moStandard
24-Month Certificatecd_24mo3.40% APY3.37%24 moStandard
24-Month IRA Certificateira_cd_24mo3.40% APY3.37%24 moStandard
11 Month Certificate - Current Deposits at SouthPoint++cd_11mo3.67% APY3.67%11 moStandard
11 Month Certificate - with new deposits++cd_11mo3.71% APY3.71%11 moStandard
5 Month Certificate - Current Deposits at SouthPoint+cd_5mo3.77% APY3.77%5 moStandard
5 Month Certificate - with new deposits+cd_5mo3.81% APY3.81%5 moStandard
5-Month Certificatecd_5mo3.85% APY3.85%5 moStandard
EzMoney Savingssavings4.00% APY4.00%—Standard
EzMoney Savings - For portion of account balance up to $5,000.00savings4.00% APY4.00%—Standard

Other rates

2 offers
Southpoint Financial Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Secured Card**other7.000% %7.000%—Standard
Ready Reserve Loan+other18.000% %18.000%—Standard

Vehicle loans available from 4.49% APR. HELOC rates from 6.25% APR. Personal loan rates from 9.99% APR. Credit card rates from 13.75% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Southpoint Financial Credit Union's official website

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About Southpoint Financial Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
34.4K
Assets
$620M
Founded
1936
Locations reported
9
NCUA charter
68667
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Leading EdgeWindom · Windom · MN · 56101About 34.7 miles awayAffinity PlusMankato Campus · Mankato · MN · 56001-6050About 39.0 miles awayMinnesota ValleyLOR · Mankato · MN · 56001About 39.0 miles awayGreater CommunityGreater Community Credit Union/Renville Branch · Renville · MN · 56284About 40.8 miles awayNovationHutchinson Branch · Hutchinson · MN · 55350About 45.1 miles awayCo-Op Credit Union of MontevideoCo-op Credit Union · Willmar · MN · 56201About 58.0 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Southpoint Financial Credit Union

Membership eligibility from Southpoint Financial Credit Union's own published criteria. How we verify this.

Membership criteria are published on Southpoint Financial Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Southpoint Financial Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Southpoint Financial Credit Union?

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Frequently Asked Questions

What rates does Southpoint Financial Credit Union offer?

Southpoint Financial Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Southpoint Financial Credit Union rates updated?

RateAPI verifies Southpoint Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Southpoint Financial Credit Union's rate data?

Rate data is collected directly from Southpoint Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Southpoint Financial Credit Union's auto, rv, boat & powersports loan rates?

As of August 4, 2026, Southpoint Financial Credit Union offers vehicle loans from 4.49% APR.

What is Southpoint Financial Credit Union's HELOC rate?

As of August 4, 2026, Southpoint Financial Credit Union offers home equity lines of credit from 6.25% APR.

What is Southpoint Financial Credit Union's personal loan rate?

As of August 4, 2026, Southpoint Financial Credit Union offers personal loans from 9.99% APR.

What is Southpoint Financial Credit Union's best CD rate?

As of August 4, 2026, Southpoint Financial Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Southpoint Financial Credit Union's rates against national credit-union benchmarks.

More Minnesota credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Southpoint Financial Credit Union rates

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Access this data programmatically with our REST API

terminal
# Get rates for Southpoint Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/minnesota/southpoint-financial" \
  -H "Authorization: Bearer YOUR_API_KEY"
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