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Southern Bank Credit Cards

Southern Bank is a regional credit union headquartered in Mount Olive, North Carolina. It currently serves eastern North Carolina and Virginia. Southern Bank has been in business for over 100 years but has stayed true to its small-town roots, offering personalized service to each of its customers. Think more Main Street and less Wall Street. Browse card offers from Southern Bank below.

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Date Reviewed: December 09, 2019

Southern Bank Visa® Platinum Credit Card

Southern Bank Visa® Platinum Credit Card
  • Regular Purchase APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee 0
  • Credit Needed Fair , Good
  • Processing Network N/A
Best Benefits
  • No annual fee
  • Option to enroll in BankMiles® Rewards program
  • Use your Southern Bank Visa® to pay your cell phone bill and get reimbursed if your phone gets damaged or stolen
Rates & Fees
  • Regular Purchase APR: 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 billing cycles on transfers made within 90 days from account opening date
  • Balance Transfer APR: 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Annual Fee: 0
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $25 for any payment 10 days or more past due
  • Return Payment Penalty Fee: $25
  • Over Limit Penalty Fee: 0

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