Certificate Accounts

Your money, your choice!

Earn an APY up to

3.40%
Get Started
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.

Features

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


Benefits

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Earn More

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Online & Mobile Access

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Safe and Secure

Rates Effective 01/02/2025

  • 6 Month
    2.70% APY1
    2.668% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 1 Year
    2.80% APY1
    2.765% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 2 Year
    2.95% APY1
    2.911% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 3 Year
    2.80% APY1
    2.765% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 4 Year
    3.10% APY1
    3.057% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 5 Year
    3.30% APY1
    3.252% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.

The Certificate and IRA Account Agreement and Disclosure is included in the Truth in Savings Disclosure. Accounts are insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government ($250,000). See "Your Insured Funds" booklet issued by the NCUA for additional coverage for multiple accounts.

1APY = Annual Percentage Yield. Rates are variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members.

Rates Effective 01/02/2025

  • 6 Month
    2.80% APY1
    2.765% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 1 Year
    2.90% APY1
    2.863% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 2 Year
    3.05% APY1
    3.009% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 3 Year
    2.90% APY1
    2.863% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 4 Year
    3.20% APY1
    3.154% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 5 Year
    3.40% APY1
    3.349% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates. The Certificate and IRA Account Agreement and Disclosure is included in the Truth in Savings Disclosure. Accounts are insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government ($250,000). See "Your Insured Funds" booklet issued by the NCUA for additional coverage for multiple accounts.

1APY = Annual Percentage Yield. Rates are variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members.

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.