Retirement Accounts

More than just an IRA

Earn an APY up to


Dedicated financial experts at your local credit union

If you dream of a comfortable retirement, saving and making the most of your money is key. An Individual Retirement Account (IRA) is a great way to earn more.

You have the option to designate your NCUA-insured Southland Savings Account or Certificate Account as an IRA, just as you have the option of having non-insured investments such as stocks or mutual funds as an IRA.

Certificate Accounts


Open with as little as $1,000

Choose terms from 6 months to 5 years

Receive dividends compounded and paid monthly

Jumbo rates are available

Certificate can be used to secure a Certificate Secured Loan 

(IRA Certificates do not qualify)

IRA Savings Account


No minimum deposit to open

Deposit or withdraw anytime

Quarterly statements

Accessible online



Earn More


Online & Mobile Access


Safe and Secure

Southland offers three different types of IRAs

Traditional IRA

A traditional IRA is a tax-deferred retirement savings account. You pay taxes on your money only when you make withdrawals in retirement. Deferring taxes means all of your dividends, interest payments and capital gains can compound each year without being hindered by taxes - allowing an IRA to grow much faster than a taxable account.

Roth IRA

A Roth IRA is a retirement savings account that allows your money to grow tax-free. You fund a Roth with after-tax dollars, meaning you've already paid taxes on the money you put into it. In return for no a up-front tax break, your money grows and grows tax free, and when you withdraw at retirement, you pay no taxes.  


A SEP IRA is a type of traditional IRA for self-employed individuals or small business owners. SEP stands for Simplified Employee Pension. Any business owner with one or more employees, or anyone with freelance income, can open a SEP IRA. Contributions, which are tax-deductible for the business or individual, go into a traditional IRA held in the employee's name. Employees of the business cannot contribute - the employer does. Like a traditional IRA, the money in a SEP IRA is not taxable until withdrawal.

Southland Investment Services

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Membership is subject to eligibility.  All new accounts will be verified through ChexSystems and are subject to credit approval.