Southpoint Financial North Mankato MN Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Southpoint Financial, your trusted credit union located in the heart of North Mankato, MN. Since our establishment in 1936, we have been dedicated to providing exceptional financial services tailored to meet the needs of our 32,410 members. With total assets exceeding $548,693,556, we are proud to be a pillar of stability and support for our community. At our branch located at 1800 Commerce Dr Ste A, North Mankato, MN 56003, we offer a range of services designed to empower you financially. From personal banking solutions, including checking and savings accounts, to auto loans and mortgage refinancing, we are here to help you achieve your financial goals. We also provide business banking services that cater to local entrepreneurs and business owners, ensuring everyone has access to the resources they need. While you can always visit us at our branch, please note that official correspondence should be sent to the same address: 1800 Commerce Dr Ste A, North Mankato, MN 56003. Our leadership team is committed to fostering a welcoming environment where everyone feels valued. Under the guidance of CEO Jay Gostonczik and Board President Adam Seifert, we strive not only for growth but also for meaningful community engagement. With a dedicated staff of 109 employees ready to assist you, your experience at Southpoint Financial will always be friendly and supportive. As part of our commitment to service excellence, we ensure that our members enjoy access to modern banking solutions such as online banking and mobile payments. Our branch also features an ATM and drive-thru service for added convenience. We invite you to explore what sets Southpoint Financial apart. Whether you're looking for loans totaling over 16,318 or simply want advice on managing your finances effectively, we're here for you every step of the way. Feel free to reach out by calling us at 877-794-6712 or visiting our website at southpointfinancial.com. Join us today and become part of a community-focused credit union that puts its members first!

Branch History & Mission

Commitment to Innovation

At Southpoint Financial, we're not just about tradition; we're also focused on innovation. We offer modern conveniences like online and mobile banking, making it easier than ever for you to manage your finances on-the-go. Our ATM services and drive-thru banking ensure that accessing your funds is quick and hassle-free. As part of our commitment to accessibility, we've made sure that all our facilities comply with ADA standards so everyone can enjoy seamless service regardless of physical ability.

Join Us!

Whether you're looking for a new bank or seeking better options for your financial future, we invite you to join the Southpoint Financial family. Experience the benefits of being a member-focused credit union where your needs come first. Visit us today at 1800 Commerce Dr Ste A in North Mankato or call us at 877-794-6712 for more information on how we can help you thrive financially. Together, let's build a brighter future!

Our Mission

Our mission is simple yet powerful: we strive to empower our members by offering accessible financial solutions that enhance their lives. We believe in building strong relationships with each of our members and providing them with the tools they need for financial success. From basic checking accounts to complex business loans, we are committed to delivering customer-centric services tailored to individual needs. We also recognize our responsibility to give back to the communities we serve. Through various outreach initiatives and partnerships with local organizations, we work hard to contribute positively to North Mankato and its surrounding areas. This commitment ensures that as we grow financially, so does our community.

Branch Location & Accessibility

Convenient Access

Our branch is designed with your convenience in mind. With ample parking available, you can easily find a spot and come inside without hassle. For those who prefer to stay in their vehicle, we also offer drive-thru banking services, allowing you to complete deposits and withdrawals quickly and efficiently. Plus, our facility is fully ADA compliant, ensuring that everyone can access our services comfortably.

Get In Touch

We invite you to stop by or give us a call at 877-794-6712 if you have any questions or need assistance. At Southpoint Financial in North Mankato, we're committed to providing personalized service tailored just for you. Come see us today!

Operating Hours

At Southpoint Financial, we understand that life can get busy. That's why we keep our doors open during convenient hours. You can visit us Monday through Friday from 8:00 AM to 5:00 PM and on Saturdays from 8:00 AM to 12:00 PM. Whether you're managing your accounts or exploring new loan options, we're here to help when it works best for you.

Services Offered

We provide a full range of personal banking services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Additionally, our ATM is available for quick cash withdrawals and balance checks anytime you need it. While we don't have shared service centers at this location, our dedicated staff is always ready to assist you with any of your banking inquiries. While members can visit us at 1800 Commerce Dr Ste A for all their banking needs, official correspondence should be sent to the same address as well.

Member Eligibility

Becoming a member of Southpoint Financial is like joining a caring family that's dedicated to your financial well-being. If you live, work, or attend school in the areas we serve, you're already on your way to enjoying the benefits of membership! Our welcoming community is designed for anyone who wants to take control of their financial future and access great services tailored just for you. To dive deeper into the specific eligibility criteria, feel free to visit our website at https://app.loanspq.com/xa/xpressapp.aspx?lenderref=spfcu032614&referralsource=spfcumemberships&l=1&noencrypt=. It's easy to get started! Opening an account is straightforward and can be done online or by visiting us at our friendly branch located at 1800 Commerce Dr Ste A North Mankato Mn 56003. If you have any questions or need assistance, don't hesitate to reach out at (877) 794-6712. We're excited to help you become a part of our Southpoint Financial family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $381 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $43,527,537, we continue to drive economic growth by financing new and expanding businesses. Imagine having the capital you need to purchase new equipment, hire staff, or open another location. Our loans can make these goals a reality.

Merchant Services

In addition to financing options, we also provide comprehensive merchant services that simplify daily operations for business owners. From accepting payments via credit cards to managing payroll efficiently, our services ensure you can focus on what matters most growing your business. Picture this: your customers can pay easily at checkout while you manage your finances seamlessly online. Visit us at 1800 Commerce Dr Ste A North Mankato, MN 56003, or call us at 877-794-6712 to learn how Southpoint Financial can support your business journey!

Comprehensive List Of Services

Basic Drive-Thru and ATM Access

For those who prefer face-to-face interactions for simple transactions, we provide basic drive-thru banking options where you can handle deposits and withdrawals without leaving your car. And with accessible ATM services available for balance checks and cash withdrawals, managing your finances has never been easier. At Southpoint Financial in North Mankato, MN, we are dedicated to offering personalized service that meets your unique needs. If you want to learn more about how we can assist you on your financial journey or have questions about any of our services, please don't hesitate to reach out at 877-794-6712. Your financial future starts here! Visit us online at Southpoint Financial today!

Business Banking Solutions

At Southpoint Financial, we recognize the importance of supporting local businesses. Our Business Banking services include Merchant Services and tailored Business Loans that help entrepreneurs thrive in their ventures. We're committed to fostering economic growth in our community.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services. You can check balances, transfer funds, pay bills, and even deposit checks right from your smartphone or computer anytime and anywhere. Plus, with our ATM & Cash Withdrawal Services, accessing your funds is quick and easy.

Home Financing

Dreaming of owning your own home? Our Mortgage Loans & Refinancing services are here for you. We understand that purchasing a home is one of the biggest decisions in life, and our dedicated team will guide you through each step of the process. Plus, if you're looking to lower your monthly payments or tap into your home's equity, our refinancing options can provide significant savings.

Personal Banking Services

Whether you're saving for a new home, planning a vacation, or just managing day-to-day expenses, our Personal Banking options are designed to support your goals. We offer various Checking & Savings Accounts that make it easy to manage your money. For those considering buying a vehicle or needing funds for other personal projects, our Auto Loans & Vehicle Financing can help get you behind the wheel quickly and affordably.

Personal Loans and Credit Options

For unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation solutions offer flexibility and support during challenging times. You can also explore our Credit Cards with Rewards, which allow you to earn points on everyday purchases while enjoying competitive rates.

Digital & Online Banking

Key Features for Your Convenience

Our user-friendly mobile application brings banking right to your pocket. It's not just about checking balances; you can also enjoy features like mobile payments and person-to-person transfers, making it simple to send money to friends or family instantly. Plus, with electronic signature authorization, signing documents securely online is a breeze. Keeping track of your statements is straightforward as well. We offer e-statements for easy access and management of your financial records without the clutter of paper. Imagine receiving all your important statements digitally no more waiting for the mail!

Security You Can Trust

Your security is our top priority. We utilize advanced encryption methods to keep your information safe while you bank online or through our app. With features like electronic signatures, you can feel confident knowing that your transactions are protected. In a world where convenience meets safety, Southpoint Financial offers digital banking solutions that fit seamlessly into your lifestyle. Enjoy real-time account management and peace of mind every time you log in! For more details on how to get started with our digital services, visit us at https://www.southpointfinancial.com/ today!

Financial Strength

At Southpoint Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's ever-changing economic landscape, trust and reliability are paramount. That's why we're proud to share our robust financial standing, reflecting our commitment to serving you well. With a net worth of $61,818,486, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,127 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $155,066,368 in share certificates and $114,521,735 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also take pride in having 98 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our $58,603,577 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $7,620 in used auto loans and $407,381,553 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Additionally, our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Total Share Accounts stand at 68,191, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southpoint Financial is your trusted partner. Visit us at 1800 Commerce Dr Ste A North Mankato Mn 56003 or call (877) 794-6712 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $99,946,427 in used vehicle loans and $10,734,409 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable pre-owned vehicle, we have flexible financing solutions tailored just for you.

Business Loans

For business owners in our community, our outstanding commercial loans totaling $43,527,537 provide the capital needed to grow and expand your business. We understand that every business has unique needs; that's why we're committed to offering personalized service. If you're interested in refinancing any existing loans or exploring eligibility options for our products, please don't hesitate to reach out. Our dedicated team is ready to assist you in finding the best solutions for your financial needs. For more information about our loan products or to speak with one of our representatives, call us at (877) 794-6712 or visit us at 1800 Commerce Dr Ste A North Mankato Mn 56003 in North Mankato. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Southpoint Financial help you take that important step toward achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $33,429,264, allowing you to take the next step toward owning your dream home. Our team is here to help guide you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $5,086,964 in loans helping members manage their finances effectively, our credit cards come with rewards and low-interest rates that fit your lifestyle.

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