Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Southpoint Financial Credit Union

Cash Back - Southpoint Financial Credit Union

A Southpoint Financial Credit Union card, with the issuer's own application link and an honest account of what its filed agreements do and do not tell you about the price.

Cash Back credit card from Southpoint Financial Credit Union
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Takes you to Southpoint Financial Credit Union. We are not the lender.

Cash Back is issued by Southpoint Financial Credit Union. The button below hands you to the issuer's own application.

Apply now Southpoint Financial Credit Union agreements on file

Applications are handled by Southpoint Financial Credit Union, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.

Disclosed rates and fees

We are not showing a rate table for this card. Southpoint Financial Credit Union files its cardholder agreements with the CFPB under document names rather than product names — “pricing addendum”, “pricing info” and the like — and none of those filings names Cash Back closely enough for us to be certain which document governs it.

Printing another agreement's APR against this card would be worse than printing nothing, so we have printed nothing. Every agreement Southpoint Financial Credit Union has on file is listed on its issuer page, each with the rates and fees that document does disclose.

The filings themselves:

Where these facts come from

The card name, the image and the application link on this page were read from Southpoint Financial Credit Union's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Southpoint Financial Credit Union's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. How we read the filings.

More from Southpoint Financial Credit Union

This is the only Southpoint Financial Credit Union product we have card art and an application link for. The issuer's filed agreements are listed here.

Compare before you apply