Retirement Accounts

More than just an IRA

Earn an APY up to

1.20%

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

Features

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

Features

No minimum deposit to open


Deposit or withdraw anytime


Quarterly statements


Accessible online



Benefits

icon of earning more money

Earn More

icon of mobile phone

Online & Mobile Access

icon of safe and secure money

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.  

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.  

Southland Investment Services

Schedule a free consultation with an experienced advisor

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