Bank · FDIC insured
SouthPoint Bank Savings Rates
SouthPoint Bank’s best savings rate is 4.00% APY on $10,000, with its Platinum Point Money Market. Rates checked October 22, 2026.
How SouthPoint Bank’s savings rates compare
Compared with banks and credit unions near Birmingham, AL, where SouthPoint Bank has the most branches. $10,000, best rate first.
This bank’s best
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Platinum Point Money Market
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
3rd-highest rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
SouthPoint Bank savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0004.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SouthPoint Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Platinum Point Money Market
4.00%APY
Requires $10,000 minimum opening deposit in funds not currently on deposit at SouthPoint Bank. No monthly service fee with $10,000 average monthly balance. Variable rate subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires minimum opening deposit of $10,000 in funds not currently on deposit at SouthPoint Bank. Variable rate subject to change. No monthly service fee with $10,000 average monthly balance; fees may reduce earnings if balance falls below $10,000.Any balance | 4.00% | $400 | Requires minimum opening deposit of $10,000 in funds not currently on deposit at SouthPoint Bank. Variable rate subject to change. No monthly service fee with $10,000 average monthly balance; fees may reduce earnings if balance falls below $10,000. |
Sources (1)
- southpoint.bank/platinum-point-money-market-account · captured Sep 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.