Credit union · NCUA insured
SouthPoint Financial Credit Union CD Rates
SouthPoint Financial Credit Union’s best CD rate is 9.00% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How SouthPoint Financial Credit Union’s CD rates compare
Compared with banks and credit unions near New Ulm, MN, where SouthPoint Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
9-Month Certificate of Deposit Special
2nd-highest rate
Citizens Bank Minnesota
3.75%APY
- Term
- 21 months
- Minimum
- $2,500
- Earns on $10,000
- $665
3rd-highest rate
Bank Midwest
3.65%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,963
SouthPoint Financial Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo9.00%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.65%
- QualifiedQualified9.00%
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 Financial Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
9-Month Certificate of Deposit Special
9.00%APY · 1 term
Limited-time 90th anniversary certificate of deposit special.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsLimited-time 90th anniversary special | 9.00% | $668 |
Sources (1)
- southpointfinancial.com · captured Sep 24, 2026
Certificates
Up to 3.95%APY · 7 terms
Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 monthsCurrent deposits | 3.70% | $183 |
| 6 monthsNew deposits | 3.75% | $186 |
| 12 monthsCurrent deposits | 3.80% | $380 |
| 12 monthsNew deposits | 3.85% | $385 |
| 18 monthsCurrent deposits | 3.90% | $591 |
| 18 monthsNew deposits | 3.95% | $598 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 60 months | 3.65% | $1,963 |
Sources (3)
All captured Sep 24, 2026
Step Up Certificate of Deposit
3.55%APY · 2 terms
Offers periodic interest rate increases at set intervals. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.55% | $723 |
| 36 months | 3.55% | $1,103 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
IRA Certificates
Up to 3.95%APY · 7 terms
Traditional and Roth IRA Certificates have a $2,500.00 minimum balance. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 monthsCurrent deposits | 3.70% | $183 |
| 6 monthsNew deposits | 3.75% | $186 |
| 12 monthsCurrent deposits | 3.80% | $380 |
| 12 monthsNew deposits | 3.85% | $385 |
| 18 monthsCurrent deposits | 3.90% | $591 |
| 18 monthsNew deposits | 3.95% | $598 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 60 months | 3.65% | $1,963 |
Sources (1)
- southpointfinancial.com/rates · captured Sep 24, 2026
IRA Step Up Certificate
3.55%APY · 1 term
Traditional and Roth IRA Certificates have a $2,500.00 minimum balance. Offers periodic interest rate increases at set intervals. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.55% | $723 |
Sources (1)
- southpointfinancial.com/rates · captured Sep 24, 2026
Who can join SouthPoint Financial Credit Union
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