Savings & Certificates

Everyone is saving for something

What Are You Saving For?

Start your Savings Account with as little as $25
Open Now

A Southland Savings Account will help you with any goals you may have. Every Membership with Southland starts with a Primary Savings Account to help get you started. Choose from a variety of savings account options and start earning dividends!

 

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. 

How to open your High Yield Savings 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 account. 

*If you choose to apply online, remember to transfer the minimum balance of $10,000 after your account is established to be eligible to receive the promotional rate. Balances under $10,000 will earn the regular share savings rate.



Special Certificate Rates

Earn up to 4.75% APY*

Get 4.70% APY on a 30-Month Certificate or choose 4.25% APY* on a 13-Month Certificate. 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

(Results open in a new window)

See today's deposit account rates


 

Term Share Certificate

Maximize your money with a Term Share Certificate Account. Certificate Accounts are a great way to invest and earn higher dividends over a set term. When you open a Southland Certificate, you select the amount to invest and the length of term. Your funds are secured for the term of the Certificate.

Certificate Accounts
 

Southland Jr. Savers

Opening a savings account for your child could make a powerful difference in their future. Children who have a savings account for college are three times more likely to go to college and four times more likely to graduate college — even if the account holds less than $500.

  • Open an account with as little as $5
  • No fees
  • Joint ownership by a parent, grandparent or guardian
  • Link your account to your children’s savings account
  • Send allowance online or with your mobile app
  • Earn interest
Jr. Savers Accounts
 

Holiday Club

An easy way to save for the holidays! A Holiday Club Savings account allows you to put your holiday saving on autopilot. No need to worry about depleting your primary savings, your Holiday Club account is a separate savings account that automatically disperses into your checking or primary savings in November.

  • Earn dividends
  • Direct deposit available
  • No premature withdrawal penalty
  • Balance automatically dispersed on November 1 of each year (when balance exceeds $100)
 

Money Market Accounts

The higher your balance, the more you earn. If you’re looking to earn higher dividends with flexible access, a Southland Money Market Account is a great choice.

  • Access funds immediately; no minimum investment period
  • Earn a higher dividend rate than offered by a traditional Savings Account
  • Earn dividends calculated on your daily balance
  • Receive monthly statements
  • Make automatic deposits with Payroll Deduction or Direct Deposit
  • Receive increases in dividend rates as balances grow
  • Earn dividends with as little as $2,500
Money Market Accounts

Access Anywhere

Manage your Southland accounts anytime and anywhere with online and mobile banking.

Learn More About Online & Mobile Banking

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. 

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.