Certificate Accounts

Your money, your choice!

Earn an APY up to

4.00%
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.

Promotional Certificates: Earn up to 4.00% APY!

Limited time only

Get 4.00% APY on a 30-Month Certificate or choose 3.50% 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

Rates Effective 11/11/2022

  • 13-Month CertificateLimited Time Only
    3.50%  APY1
    3.446% Dividend Rate
    $2,500 Minimum Deposit
  • 30-Month CertificateLimited Time Only
    4.00% APY1
    3.929% Dividend Rate
    $2,500 Minimum Deposit
Minimum deposit to open is $2,500. To qualify, deposit must be new money to Southland transferred 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. 13-month and 30-month certificate can also be opened as an IRA certificate. Early withdrawal penalties apply. Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.

The Certificate 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 subject to change at anytime without notice. Indicated rates are available to qualified Members.

Standard Certificates


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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Safe and Secure

Rates Effective 10/21/2022

  • 6 Month
    1.45% APY1
    1.441% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 1 Year
    1.55% APY1
    1.540% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 2 Year
    1.70% APY1
    1.687% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 3 Year
    1.80% APY1
    1.786% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 4 Year
    2.10% APY1
    2.081% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 5 Year
    2.30% APY1
    2.277% 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 10/21/2022

  • 6 Month
    1.55% APY1
    1.540% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 1 Year
    1.65% APY1
    1.638% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 2 Year
    1.80% APY1
    1.786% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 3 Year
    1.90% APY1
    1.884% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 4 Year
    2.20% APY1
    2.179% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 5 Year
    2.40% APY1
    2.374% 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.

Membership is subject to eligibility.  All new accounts will be verified through ChexSystems and are subject to credit approval.