Deposit Rates

 Exclusive Rates for Southland Members

Rates subject to change at any time without notice.
Indicated rates are available to qualified members.
Effective Date:
May 1, 2008

Primary Savings and Holiday Club Accounts
Account Type APY Dividend Rate Min Deposit Min Balance
Primary Savings* 0.500% 0.499% $25 $25
Holiday Club 0.500% 0.499% $0 $0
* Minimum Deposit and Minimum Balance Requirements waived for NEW members opting to pay $15 Membership
   Entrance Fee

Super Checking Share Draft Account
Account Type APY Dividend Rate Min Deposit Min Balance
Qualified Super Checking 3.00% 2.96% $0 $0
Non-Qualified Super Checking 0.25% 0.25% $0 $0
*To receive qualified rate and up to $20 in ATM fee reimbursement, accounts must have eStatements, 10 Check Card transactions, and one ACH direct deposit, debit, or ePayment per month. Non-qualifying accounts will receive the non-qualified dividend rate and no ATM fee refunds will be paid. Reimbursed ATM fees include Southland out-of-network fees. Qualifying rate will be paid on balances up to $50,000. On balances over $50,000 the non-qualified dividend rate will be paid.

Money Market Accounts (rates based on balance)
Account Type APY Dividend Rate Min Deposit Min Balance
Money Market - Tier I 0.000% 0.000% $0 $0
Money Market - Tier II 0.750% 0.747% $2,500 $2,500
Money Market - Tier III 1.000% 0.995% $10,000 $10,000
Money Market - Tier IV 1.500% 1.490% $50,000 $50,000
Money Market - Tier V 2.250% 2.227% $100,000 $100,000
Money Market - Tier VI 2.750% 2.716% $150,000 $150,000

Term Share Certificates and IRA Term Share Certificates Featuring 'Accelerate'
Account Type APY Dividend Rate Min Deposit Min Balance
6 Month Certificate 2.600% 2.570% $1,000 $1,000
1 Year Certificate 2.600% 2.570% $1,000 $1,000
2 Year Certificate 2.850% 2.813% $1,000 $1,000
3 Year Certificate 3.000% 2.960% $1,000 $1,000
4 Year Certificate 3.100% 3.057% $1,000 $1,000
5 Year Certificate 3.250% 3.203% $1,000 $1,000
* 9-month and 18-month certificates available at the rate of the next shorter term

Add-On Share "AcceleRate" Certificates and IRA Add-On Share Certificates
Account Type APY Dividend Rate Min Deposit Min Balance
6 Month 2.250% 2.225% $500 $500
1 Year 2.250% 2.225% $500 $500
2 Year 2.500% 2.469% $500 $500
3 Year 2.650% 2.616% $500 $500
4 Year 2.750% 2.713% $500 $500
5 Year 2.900% 2.859% $500 $500
* 9-month and 18-month certificates available at the rate of the next shorter term

Jumbo Share and IRA (Roth and Traditional) Certificates Featuring 'Accelerate'
Account Type APY Dividend Rate Min Deposit Min Balance
6 Month Certificate 2.850% 2.813% $100,000 $100,000
1 Year Certificate 2.850% 2.813% $100,000 $100,000
2 Year Certificate 3.100% 3.057% $100,000 $100,000
3 Year Certificate 3.250% 3.203% $100,000 $100,000
4 Year Certificate 3.350% 3.300% $100,000 $100,000
5 Year Certificate 3.500% 3.445% $100,000 $100,000
* 9-month and 18-month certificates available at the rate of the next shorter term

IRA Share Accounts
Account Type APY Dividend Rate Min Deposit Min Balance
Tier 1 0.500% 0.499% $0 $0

Health Savings Account
Account Type APY Dividend Rate Min Deposit Min Balance
Tier 1 0.500% 0.499% $0 $0

Certificate and IRA Account Agreement and Disclosure
Accounts are insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government for $100,000, Traditional IRA & Roth IRA for up to $250,000 and American Share Insurance for $250,000. See "Your Insured Funds" booklet issued by the NCUA for additional coverage for multiple accounts.

Primary Savings, Holiday club, and Money Market Accounts are variable rate accounts and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. For Term Share (Certificate) Accounts, the Dividend Rate and APY set forth above would be paid for the Term shown. A substantial penalty will or may be imposed for early withdrawal. For purposes of this disclosure, the Dividend Rate and APY were offered within the most recent seven (7) calendar days and were accurate as of the "Effective" date set forth above. Please call (800) 426-1917 to obtain current rate information.