Credit union · NCUA insured
SouthPoint Financial Credit Union Savings Rates
SouthPoint Financial Credit Union’s best savings rate is 0.71% APY on $10,000, with its Premium Savings. Rates checked October 16, 2026.
How SouthPoint Financial Credit Union’s savings 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
0.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $71
Premium Savings
Top rate
United Prairie Bank
3.40%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $340
2nd-highest rate
Bank Midwest
1.51%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $151
SouthPoint Financial Credit Union savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.71%
- $100,000 balance$100,0001.81%
- QualifiedQualified0.71%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Savings
0.71%APY
Insured, totally liquid, dividend-earning account earning higher rates with higher balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.56% | — |
| $10,000 – $25,000 | 0.71% | $71 |
| $25,000 – $50,000 | 0.71% | — |
| $50,000 – $100,000 | 1.06% | — |
| $100,000 – $250,000 | 1.81% | — |
| $250,000 – $500,000 | 2.31% | — |
| $500,000 – $1,000,000 | 2.31% | — |
| $1,000,000 and up | 2.71% | — |
Sources (3)
All captured Sep 18, 2026
Membership Savings
0.10%APY
Accessible in Online and Mobile Banking; fully insured. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
All captured Sep 18, 2026
UrChoice Savings
0.10%APY
No minimum balance required. Flexible usage for any purpose.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
EzMoney Savings
0.15%APY
For students aged 0-24. eStatements are required. A checking account is required for students age 15-24. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000For portion of account balance up to $5,000.00. | 4.07% | — | For portion of account balance up to $5,000.00. |
| Over $5,000For portion of account balance that exceeds $5,000.00. | 0.15% | $15 | For portion of account balance that exceeds $5,000.00. |
Sources (4)
- southpointfinancial.com
- apply.southpointfinancial.com/products
- southpointfinancial.com/rates
- southpointfinancial.com/savings
All captured Sep 18, 2026
Health Savings Account (HSA)
2.02%APY
Requires an HSA-compatible high deductible health plan.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 2.02% | — |
| $2,500 – $10,000 | 2.02% | — |
| $10,000 – $25,000 | 2.02% | $202 |
| $25,000 – $50,000 | 2.02% | — |
| $50,000 and up | 2.02% | — |
Traditional & Roth IRA Savings
0.75%APY
Available as Traditional IRA or Roth IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Holiday Club
0.15%APY
Plan ahead for the holidays with weekly or monthly deposits. No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.50% | — |
| Over $5,000 | 0.15% | $15 |
Sources (3)
All captured Sep 18, 2026
Who can join SouthPoint Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.