Savings & Certificates

Everyone is saving for something

What Are You Saving For?

Start your Savings Account with as little as $25

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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 3.25% * 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)

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.

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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.

Choose terms from 6 months to 5 years
Receive dividends compounded and paid monthly
Certificate can be used to secure a Certificate Secured Loan (IRA Certificates do not qualify)
Jumbo rates available

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 earn promotional rate is $10,000. To qualify, deposit must be new money transferred to Southland from another financial institution.