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Southpoint Financial Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchases | — | |
| APR for balance transfersintroductory rate first | 0%SOUTHPOINT FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | $0SOUTHPOINT FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | $0, No Cash Advance FeesSOUTHPOINT FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | $0, Free Balance TransfersSOUTHPOINT FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| APR qualificationsBalance transfer · Introductory | Transfer any high-interest credit card balances over to your SouthPoint Visa without a fee and receive 0% APR* for 6 months on the amount transferred. SOUTHPOINT FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. Earn 1.5% cash back on all qualified purchases up to $100,000 spent per year. SOUTHPOINT FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |