Deposit Rates

Share, Certificate and Money Market rates


Rates Effective 05/01/2025

  • High Yield Savings
    2.05% APY1
    2.031% Dividend Rate
    $10,000 Minimum Deposit
    $10,000 Minimum Balance
  • Health Savings
    0.05% APY1
    0.050% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Holiday Club
    0.05% APY1
    0.050% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • IRA Savings
    0.05% APY1
    0.050% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Primary Savings
    0.05% APY1
    0.050% Dividend Rate
    $25 Minimum Deposit
    $25 Minimum Balance
Minimum Deposit and Minimum Balance requirements for Primary Savings Account waived for NEW Members opting to pay a Membership Entrance fee.

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

High Yield Savings: Minimum balance to earn promotional rate is $10,000. Balances under $10,000 will earn the regular share savings rate. To qualify, deposit must be new money to Southland transferred from another financial institution.

Rates Effective 01/02/2025

  • Business Checking
    0.05% APY1
    0.050% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Super Checking Non-Qualified Rate
    0.03% APY1
    0.030% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Super Checking Qualified Rate
    0.05% APY1
    0.050% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
1 APY = Annual Percentage Yield. Rates are variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members.
 
Super Checking account is no longer available.

Rates Effective 05/01/2025

  • Tier 1
    1.55% APY1
    1.539% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
    $10,000 Maximum Balance
  • Tier 2
    0.05% APY1
    0.050% Dividend Rate
    $10,001 Minimum Deposit
    $10,001 Minimum Balance
    $0 Maximum Balance
1 APY = Annual Percentage Yield. Rates are variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members. Rates are tiered based on balances. 
 

Rates Effective 01/02/2025

  • Tier 1
    0.450% APY1
    0.450% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Tier 2
    0.700% APY1
    0.698% Dividend Rate
    $2,500 Minimum Deposit
    $2,500 Minimum Balance
  • Tier 3
    0.750% APY1
    0.748% Dividend Rate
    $10,000 Minimum Deposit
    $10,000 Minimum Balance
  • Tier 4
    0.750% APY1
    0.748% Dividend Rate
    $50,000 Minimum Deposit
    $50,000 Minimum Balance
  • Tier 5
    0.800% APY1
    0.798% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • Tier 6
    0.850% APY1
    0.847% Dividend Rate
    $150,000 Minimum Deposit
    $150,000 Minimum Balance
Tiered Rates earned are based on account balance.
 
1APY = Annual Percentage Yield. Rates are variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members.

Rates Effective 05/09/2025

  • 7-Month CertificateLimited Time Only
    4.00%  APY1
    3.929% Dividend Rate
    $1,000 Minimum Deposit
Minimum deposit to open is $1,000. Unless you direct otherwise, upon maturity, certificate will rollover into a 6-month certificate. Early withdrawal penalties apply. Yields based on certificates held to maturity. Dividends paid monthly. 

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.

Rates Effective 01/02/2025

  • 6 Month
    2.70% APY1
    2.668% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 1 Year
    2.80% APY1
    2.765% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 2 Year
    2.95% APY1
    2.911% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 3 Year
    2.80% APY1
    2.765% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 4 Year
    3.10% APY1
    3.057% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 5 Year
    3.30% APY1
    3.252% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.

The Certificate and IRA 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 variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members.

Rates Effective 01/02/2025

  • 6 Month
    2.80% APY1
    2.765% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 1 Year
    2.90% APY1
    2.863% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 2 Year
    3.05% APY1
    3.009% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 3 Year
    2.90% APY1
    2.863% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 4 Year
    3.20% APY1
    3.154% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 5 Year
    3.40% APY1
    3.349% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates. The Certificate and IRA 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 variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members.