The CEO's Corner
Dear Member,

October is always a special time of year, as SharePoint celebrates our anniversary. We are proud to celebrate 88 years of serving your financial needs. Over the years, SharePoint and our members have experienced many changes, and 2021 is certainly no different. 

Our mortgage team continues to help members take advantage of low mortgage rates to refinance and save thousands of dollars, while often reducing the terms of their loans. For homeowners, this has been a great time to improve your financial position. We continue to finance new mortgages, although the tight market can make it challenging for buyers to find an affordable home.

We are renowned for our vehicle loans; many opening their SharePoint account with an Auto Loan. We offer some of the best rates in the market and friendly terms. If a special rebate or perceived convenience caused you to finance outside of SharePoint, it is worth comparing. Not only does SharePoint offer exceptional value, but you also benefit from features like Skip-a-Pay, GAP Plus and Mechanical Repair Coverage. Contact us to easily calculate how much we could lower your payment and refinance.

It starts with saving; many members began saving into their accounts with a modest $5 per week (some still do). As they realized, it adds up. SharePoint has a wide array of savings products! From Savings, Money Markets and IRAs, to a high-yield eSavings and Premier Rate Checking; we can help you create a savings plan for short-term goals and the future.

We are dedicated to your financial wellness and will provide the solutions to help you achieve success. Whether you are just starting out with no credit, have perfect credit or are looking to improve your credit, we are here to help! SharePoint’s team will help meet you where you are, with unique options designed to help you reach your goals, and knowledgeable, sound guidance. We are working to build a lifelong relationship and are excited to go on this financial journey with you.

Phillip A. Kopischke
President & CEO
Easily spend, manage and pay with a SharePoint Checking Account! Join the thousands of SharePoint Checking accountholders who benefit from choice, value and flexibility. And, for a limited time, earn up to $200!

Earn $100 when you set up Direct Deposit to your new SharePoint Checking Account (ACH through employer or Social Security).1

Earn $50 when you open a Reserve Line of Credit with your new Checking Account.2

Earn $50 when you swipe your new SharePoint Debit Card 10 times in 60 days.3
Simply choose the account that matches your spending habits, and enjoy financial freedom!
SharePoint was excited to participate in CU Forward Day on Monday, October 11. This year, SharePoint employees helped by providing donations to Missions Nursing Home and Homeward Bound, delivering lunches to the local community Police and Fire Departments, and volunteering at Second Harvest Heartland.
EasyVest is an automated investment management tool that helps create and optimize investment opportunities for SharePoint Credit Union members. It offers a secure investment option for anyone who is interested in building wealth but is not sure how to get started.

Watch SharePoint CU for information on this exciting enhancement we will be offering soon!
Whatever your financing needs, a SharePoint Home Equity Line of Credit (HELOC) offers you easy access to competitive funds with convenient payment options. Act now and you will benefit from an introductory rate of 2.99% APR* for 12 months, thereafter, a low, variable rate, currently 4.00%APR.
New financing? Refinancing to SharePoint? Deposit needs? Spending solutions?

Thank you for being a member and owner of SharePoint. We strive to deliver the best service and financial solutions to help you get ahead, while building a lifelong relationship with you. Could we do more to help you achieve your goals? Lower a payment or help consolidate debt? Finance a home or simply use your current home’s equity to finance other projects? Help you identify the best accounts for saving money, while also managing your finances?

Our team of experts are here for you! Simply complete the form below with a few details of what you are trying to accomplish and together we will identify the best solutions to help you. As a member/owner, you will always get the best value when you make SharePoint your first choice for your financial matters.
October 21 & 22- Member Appreciation Days
November 11- Closed in observance of Veterans Day
November 25- Closed in observance of Thanksgiving Day
SharePoint Credit Union l l (952) 930-0700 l Locations
*All accounts subject to approval. Federally insured by the NCUA. Offer valid for new accounts only; restrictions apply. Member is responsible for any related taxes, according to MN laws. Cannot be combined with other offers. Accounts must be opened by 12/31/2021 and will have 60 days from account opening to meet requirements to qualify for promotional funds. Promotional funds will be distributed as requirements are met or by 3/31/2022 into SharePoint savings account. As of 10/07/2021, Annual Percentage Yield (APY) is 0.050% for Primary Savings account and subject to change. If requirements are not met, member is not eligible for promotional funds. SharePoint reserves the right to reclaim funds if account is closed within 6 months.
1Member must set up direct deposit from an employer or social security check of at least $300 per month for two verified, qualified consecutive months.
2 The Reserve Line of Credit’s (RLOC) APR is variable, based on an index plus a margin of 6.75%. The current index used is the Prime Rate as published by the Wall Street Journal.
3Member must make at least 10 Point of Sale debit card transactions with their new SharePoint debit card within 60 days of account opening.
*Non-deposit investment products are not NCUA or otherwise federally insured, are not guarantees or obligations of SharePoint Credit Union, and may involve investment risk including possible loss of principal. SharePoint Credit Union has contracted with Access Softek Advisory Services LLC ("Access Softek") to make non-deposit investment products available to you. DriveWealth LLC, a SEC registered broker-dealer and member FINRA/SIPC, holds the investment accounts. Investment Advisor Representatives are registered through Access Softek.
*APR = Annual Percentage Rate. To view full details, click here. Subject to approval. Introductory offer valid for new HELOCs only. Promotional rates available for HELOC’s under 80% Loan-To-Value. Promotional rate will be 2.99% for first 12 months and change to a variable rate thereafter. Rate will change to the effective Wall Street Journal Prime Rate after a full 12-months, currently 4.00% APR (due to floor). Promotional rates available for HELOC’s over 80% Loan-To-Value. Promotional rate will be 3.99% for first 12 months and change to a variable rate thereafter. Rate will change to the effective Wall Street Journal Prime Rate, plus a set margin of 3.00% after a full 12-months, currently 6.25% APR. A HELOC will never go below 4.00% APR and will not exceed 18.00% APR and will never exceed the highest allowable rate for this type of agreement as determined by applicable state or federal law. A HELOC has a seven-year draw period with a ten-year repayment period. Property must be the primary residence. Home Equity Loan and Credit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geographic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $816 to $1,116 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. NMLS# 527701. Contact a SharePoint Credit Union Representative for details. Offer ends 12/31/2021 and subject to change without notice.