Make your money grow

Earn more with High Yield Checking, High Yield Savings and Certificate accounts

Earn dividends

High Yield Savings and Checking Accounts
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Your accounts ebb and flow with purchases and deposits, but do they grow? With a High Yield Checking and Savings account from Southland, you can earn dividends on the money you already have. Make the switch to Southland today and make your money grow for a more rewarding tomorrow.

High Yield Savings

Give your savings a boost with a High Yield Savings Account from Southland. Earn 3.50% APY* on your minimum balance of $10,000. New money only. 

  • Minimum balance of $10,000 to earn promotional rate
  • New money only
  • No maximum deposit


High Yield Checking

Earn a better rate on your everyday transaction account with High Yield Checking Accounts from Southland. Earn 1.00% APY* on your balance up to $10,000. 

  • $0 minimum opening deposit
  • Free 1st box of checks
  • Monthly service fee waived with Direct Deposit or one bill pay per month


How to open your High Yield Savings and High Yield Checking Account

Visit us: Locate your nearest Southland branch(Opens in a new window)(Opens in a new window)

Call us: 800.426.1917, Monday - Friday 8:00 a.m. to 6:00 p.m. and Saturday 9 a.m. to 1 p.m. Closed Sunday.

Apply online: Log in to Digital Banking and navigate to Quick Apply. Or, if you're not a Member yet, use our online application to apply for membership and open your High Yield Savings or High Yield Checking account.

Special certificate rates

These certificate rates are available for a limited time only, so open your account today at your nearest Southland branch(Opens in a new window) or call 800.426.1917.

  • Open with as little as $2,500
  • New money only
  • No maximum deposit
  • Choose to open as an IRA Certificate

Rates Effective 03/27/2023

  • 13-Month CertificateLimited Time Only
    4.25%  APY1
    4.170% Dividend Rate
    $2,500 Minimum Deposit
  • 30-Month CertificateLimited Time Only
    4.75% APY1
    4.650% Dividend Rate
    $2,500 Minimum Deposit
Minimum deposit to open is $2,500. To qualify, deposit must be new money to Southland transferred from another financial institution. Unless you direct otherwise, upon maturity, certificate will rollover into the closest standard certificate term; 13-month will rollover to a 12-month,  and 30-month will roll over to a 24-month. 13-month and 30-month certificate can also be opened as an IRA certificate. Early withdrawal penalties apply. Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.

The Certificate Account Agreement and Disclosure is included in the Truth in Savings Disclosure. Accounts are insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government ($250,000). See "Your Insured Funds" booklet issued by the NCUA for additional coverage for multiple accounts.

1APY = Annual Percentage Yield. Rates are subject to change at anytime without notice. Indicated rates are available to qualified Members.

Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval. APY = Annual Percentage Yield.  Primary Savings $3 monthly service fee is waived for Members under 18 and over 65; or with Direct Deposit, Southland eStatements, Checking, Money Market, Certificate, IRA, or Loan balance. 

High Yield Savings: Minimum balance to open account and earn interest is $10,000. To qualify, deposit must be new money transferred to Southland from another financial institution. 

High Yield Checking: All new accounts will be verified through ChexSystems and are subject to approval. 1% APY earned on balances up to $10,000, 0.15% on balances of $10,001 and up. Monthly service fee of $5 waived with direct deposit or one bill pay per month. Paper statement fee waived for Members over 65. Unlimited FREE ATM Transactions at Southland Network ATMs, which includes all Southland and CO-OP® ATMs. Use of an Out of Network ATM will result in a $2.00 withdrawal fee, per transaction, and possible third-party surcharges. You may be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges. Some restrictions may apply. Mobile Deposits is available to Members in good standing only. Limit one High-Yield Checking per account.

Promotional Certificates: Rates quoted effective 3-27-2023 and are subject to change without notice. Minimum deposit to open is $2,500. To qualify, deposit must be new money transferred to Southland from another financial institution. Unless you direct otherwise, upon maturity, certificate will rollover into the closest standard certificate term; 13-month will rollover to a 12-month and 30-month will roll over to a 24-month. Early withdrawal penalties apply.