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.  Start your savings account with as little as $25.



Open with only $25

Open a savings account

money market accounts

Earn more.

Money Market

term share certificates

It's your money, it's your choice.

Share Certificates

southland jr savers

Teach your kids great saving habits.

Jr. Savers


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

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.

  • Open with as little as $1,000
  • 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

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

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)

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. 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.