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Banking RegistryReal data. Clear answers.Data as of Sep 6, 2026
Southpoint Financial Credit UnionVISA PLATINUM REWARDS/VISA PLATINUM SELECT/VISA PLATINUM SECUREDRegistry illustration · issuer artwork unavailable

VISA PLATINUM REWARDS/VISA PLATINUM SELECT/VISA PLATINUM SECUREDSouthpoint Financial Credit Union · state credit union, MN · NCUA 68667

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured
Purchase APR
great to no score
Balance transfer
no ongoing rate filed
Cash advance APR
variable
Annual fee
a year
Foreign fee
of the amount
Grace period
Not offered
from cycle close

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Great creditmedian 16.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Good creditmedian 16.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Poor creditmedian 16.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
No credit scoremedian 16.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
All applicants7%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for balance transfersintroductory rate first0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for cash advances
Great creditmedian 16.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Good creditmedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Poor creditmedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
No credit scoremedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
All applicants7%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchasesNot offered from the close of each billing cycle——
Minimum interest charge$25——
How we calculate your balanceOther——
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Transaction fees
Cash advance$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Foreign transaction1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty fees
First late fee$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Returned payment—no source read
Other fees
None disclosed$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Opening conditionsSouthPoint Financial Credit Union members onlyConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website