Savings & Certificates

Everyone is saving for something

What Are You Saving For?

Start your Savings Account with as little as $25

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% * 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.


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.

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. 

Promotional Certificates: Rates quoted effective 11-9-2023 and are subject to change without notice. Minimum deposit to open is $1,000. 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; 7-month will rollover to a 6-month. Early withdrawal penalties apply.