Southpoint Financial Credit Union Saint Peter MN | Affordable Auto Loans & Top Checking Accounts

Introduction

Welcome to Southpoint Financial, your trusted partner in banking located right in the heart of Saint Peter, MN. Since our establishment in 1936, we have been dedicated to serving our community and supporting our members' financial journeys. With a proud membership of 32,410 and total assets reaching an impressive $548,693,556, we are committed to providing a range of financial services tailored to your needs. At our branch located at 105 S 3Rd St Ste 100, you will find a welcoming environment where your financial goals are prioritized. While members can visit us at this address, official correspondence should be sent to the same location for convenience. Our team is here to assist you with everything from personal banking solutions like checking and savings accounts to loans for vehicles and mortgages. With total deposits amounting to $26,861,516 and cash reserves of $7,504,296, we ensure that your money is secure while offering competitive loan options. Our dedicated staff, led by CEO Jay Gostonczik and Board President Adam Seifert, consists of over 109 employees who are eager to help you navigate your financial journey. We pride ourselves on being more than just a credit union; we are a part of the community. By choosing Southpoint Financial, you're not only gaining access to robust financial resources but also supporting local initiatives that make Saint Peter a better place to live. For any questions or assistance, feel free to reach out at (507) 794-6712 or visit us online at southpointfinancial.com. Join us today and experience personalized service that puts you first!

Branch History & Mission

Welcome to Southpoint Financial, a cornerstone of the Saint Peter community since 1936. Our journey began with a simple mission: to provide accessible financial services that empower our members and foster local growth. Over the decades, we have grown from a small credit union into a trusted partner for over 32,000 members, all while maintaining our commitment to service and community support. Located at 105 S 3Rd St Ste 100, Saint Peter, MN 56082, our branch is situated in the heart of Nicollet County. We are easily accessible and proudly serve not just Saint Peter but surrounding areas as well. Our office hours are designed to accommodate your schedule, open Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM. Southpoint Financial's mission is clear: we exist to improve the financial lives of our members. We offer a wide range of services including personal banking, auto loans, mortgage options, business loans, and online banking solutions. With total assets exceeding $548 million, we have the resources to help you achieve your financial goals. Our commitment extends beyond just banking; we actively participate in community outreach programs and partner with local organizations to make a positive impact in Saint Peter. Whether it's sponsoring local events or providing financial education workshops, we believe that supporting our community is an essential part of who we are. In keeping up with modern needs, we offer digital banking options such as online and mobile banking for easy access to your accounts anytime, anywhere. Plus, with our single ATM available for cash withdrawals and balance checks, managing your finances has never been more convenient. While members can visit us at 105 S 3Rd St Ste 100, official correspondence should be sent to the same mailing address. If you have any questions or need assistance, don't hesitate to reach out at 507-794-6712. We invite you to join Southpoint Financial today! Experience personalized service that puts your needs first. Together, let's build a brighter financial future for you and our community!

Branch Location & Accessibility

Welcome to Southpoint Financial, your trusted credit union located at 105 S 3Rd St Ste 100 in the heart of Saint Peter, MN. We're proud to serve our community and provide a convenient place for all your banking needs. Whether you're stopping by to open an account or need assistance with a loan, our friendly staff is here to help. Our branch is easily accessible, situated near local landmarks that make it easy to find us. Just a short walk from the Nicollet County Courthouse, you can pop in for banking services while running errands in the area. Plus, we offer ample parking to ensure you can visit us without any hassle. Our facility is also ADA compliant, featuring ramps and other accessibility options so that everyone can enjoy our services comfortably. At Southpoint Financial, we understand that your time is valuable. That's why we have extended operating hours to fit your schedule. You can visit us Monday through Thursday from 8:30 AM to 5:00 PM and on Friday until 5:30 PM. Whether you prefer to handle your finances during the week or need extra time on Fridays, we've got you covered! For added convenience, our branch offers ATM services for quick cash withdrawals and balance inquiries whenever you need them. While we currently do not have drive-thru banking available, our team is always ready to assist you inside the branch with a smile. While members can visit us at 105 S 3Rd St Ste 100 Saint Peter Mn 56082, official correspondence should be sent to our mailing address at 105 S 3rd St Ste 100, Saint Peter, MN 56082. If you have questions or need assistance before your visit, feel free to call us at (507) 794-6712; we're happy to help! We invite you to stop by Southpoint Financial today and discover how we can support your financial journey!

Member Eligibility

At Southpoint Financial, we believe that everyone deserves to be part of a caring community focused on your financial well-being. Joining us is simple and welcoming! To become a member, you should meet certain eligibility criteria that are designed to ensure you're a good fit for our supportive environment. Generally, individuals who live, work, or worship in the local area can apply. We also welcome family members of existing members, creating a close-knit network. If you'd like more detailed information about eligibility, please check out our resource at https://app.loanspq.com/xa/xpressapp.aspx?lenderref=spfcu032614&referralsource=spfcumemberships&l=1&noencrypt= . Once you're ready to take the next step, opening an account with Southpoint Financial is a breeze! Our friendly team is here to guide you through the process, ensuring it's as straightforward as possible. Feel free to reach out to us at (507) 794-6712 for any questions or assistance. Your journey towards better financial services starts right here at our branch located at 105 S 3Rd St Ste 100 Saint Peter Mn 56082.

Business Banking & Commercial Services

Loan Options for Every Business

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $43,527,537, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, we offer comprehensive merchant services that make daily transactions smoother for your business. Imagine having the ability to accept various payment methods seamlessly, from credit cards to mobile payments, all while enjoying competitive rates that keep more money in your pocket. This means you can focus on what matters most serving your customers and growing your enterprise. Visit us at 105 S 3Rd St Ste 100 Saint Peter Mn 56082 in Saint Peter, MN, or call us at (507) 794-6712 to learn more about how our business banking and commercial services can benefit you today!

Comprehensive List Of Services

Accessibility for All Members

We pride ourselves on providing essential banking services while ensuring accessibility for all members. Our ATM availability allows for basic transactions like withdrawals and balance inquiries whenever you need them. At Southpoint Financial in Saint Peter, MN, we are dedicated to meeting your financial needs with a friendly approach. If you're ready to experience hassle-free banking or have questions about any of our services, don't hesitate to reach out! Call us at 507-794-6712, or visit us online at Southpoint Financial. Let us partner with you in achieving your financial goals!

Business Banking Solutions

For small business owners, we offer tailored business banking services that include merchant services and business loans. We understand the unique challenges faced by businesses today, and we aim to provide solutions that help you thrive.

Credit Card Options

If rewards matter to you, check out our credit cards with rewards that allow you to earn points for everyday purchases. This can be an excellent way to get more from your spending while enjoying the benefits of being a member of Southpoint Financial.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. From checking balances and transferring funds to paying bills on the go, our digital tools make banking easy. You can also use our ATM services for quick cash withdrawals or balance checks without stepping inside the branch.

Personal Banking Services

Our personal banking services include checking and savings accounts designed to fit any lifestyle. For those looking to purchase a new car or refinance an existing loan, we offer auto loans and vehicle financing with competitive rates. If you're considering buying a home, our mortgage loans and refinancing options can make the process smoother. We also provide personal loans and debt consolidation solutions to help manage your finances better.

Digital & Online Banking

Key Services

Explore our online banking platform at https://www.southpointfinancial.com/ , where you can easily check balances, pay bills, and view transaction history. If you're always on the go, our mobile application makes banking even simpler. You can manage your accounts right from your smartphone or tablet, ensuring that you have the tools you need wherever life takes you. Our electronic signature authorization feature allows for quick and hassle-free document signing, meaning less time spent on paperwork and more time enjoying life. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements.

Secure and Accessible Banking

We prioritize your security with robust measures in place to protect your personal information. You can take advantage of person-to-person transfers to send money effortlessly to friends or family perfect for splitting dinner bills or sending a gift. And if you're looking for added convenience at checkout, our mobile payments feature lets you make purchases directly from your phone. With 24/7 online banking services available, there's no need to wait for business hours to manage your money. Whether it's day or night, you can stay on top of your finances with ease. Experience the modern way to bank with Southpoint Financial where convenience meets security. Start exploring our digital services today!

Financial Strength

Growing Trust

Total Share Accounts at 68,191 show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $9,243,766, demonstrating our capability to support your financial goals effectively. 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 105 S 3Rd St Ste 100 Saint Peter Mn 56082 or call (507) 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.

Member-Focused Savings

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.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. 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.

Reinvesting in Our Community

With $58,603,577 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our capacity to lend is robust: we have $7,620 in used auto loans and a total of $407,381,553 in loans and leases available for various member needs.

Solid Financial Position

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.

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 it's financing for a new or used vehicle, our flexible terms make it easier than ever to drive away with your dream car.

Business Loans

For business owners, our outstanding commercial loans totaling $43,527,537 provide the capital needed to grow and expand. Whether you're looking for equipment financing or working capital, we are committed to supporting local businesses with tailored lending solutions. If you're interested in exploring refinancing options or checking eligibility for any of our loan products, please don't hesitate to reach out. You can contact us at (507) 794-6712, and our friendly staff will guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today at Southpoint Financial, where we're ready to help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $33,429,264, make buying or refinancing simple. We provide competitive rates and personalized service to ensure that you find the right mortgage solution for your needs.

Unsecured Credit Cards

Managing day-to-day expenses can sometimes be challenging. 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 benefits designed to fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and accuracy, LendMesh stands out as a reliable tool for borrowers looking for the best financing options. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers tailored to their needs. By focusing on verified data from legitimate financial institutions, LendMesh builds trust with its users. One of the key benefits of using LendMesh is the absence of sponsored listings. Unlike many comparison tools that prioritize lenders based on paid promotions, LendMesh is dedicated to providing unbiased results. This means you can confidently compare loan options without worrying about hidden agendas. Additionally, LendMesh offers real-time rate comparisons. The platform continuously updates loan rates from multiple institutions, helping users make informed decisions quickly. For instance, thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" For anyone seeking a straightforward way to navigate the loan landscape, LendMesh is an invaluable resource. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

SOUTHPOINT FINANCIAL CREDIT UNION - Saint Peter, MN