Credit union · NCUA insured
SouthPoint Financial Credit Union Credit Card Rates
SouthPoint Financial Credit Union credit cards start at 13.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How SouthPoint Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near New Ulm, MN, where SouthPoint Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SouthPoint Financial Credit Union
13.75%APR
- Up to
- 18.00% APR
Visa Select Card
SouthPoint Financial Credit Union credit card score
64
Credit card score
Higher than 12% of U.S. banks and credit unions
- Purchase APRPurchase APR13.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SouthPoint Financial Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
0% APR* Credit Card
Get 0% APR* for up to six months. Introductory rate applies for 6 months on balance transfers, then standard variable rate applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate as low as 0% APR applies for 6 months on balance transfers. |
| Ongoing | 13.75%–18.00% | None | Standard variable rate applies after 6-month introductory period ranging from 13.75% – 18.00% APR based on credit-worthiness. |
Sources (1)
- southpointfinancial.com/credit-cards · captured Oct 16, 2026
Visa Rewards Card
Earn 1.5% cash back on all qualified purchases up to $100,000 spent per year.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.75%–18.00% | None | Rate based on credit-worthiness. Earn 1.5% cash back on all qualified purchases up to $100,000 spent per year. |
Sources (2)
All captured Oct 16, 2026
Visa Select Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75%–18.00% | None | Rate based on credit-worthiness. |
Sources (2)
All captured Oct 16, 2026
Visa® Secured Card
Requires funds that equal the credit limit be deposited and held in a SouthPoint FCU Regular Savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.00% | None | Rate based on credit-worthiness. Requires funds equal to credit limit deposited and held in SouthPoint Regular Savings Account. |
Sources (2)
All captured Oct 16, 2026
Who can join SouthPoint Financial Credit Union
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