Deposit Rates

Promotional Certificate rates

New Member Anniversary Special

Rates Effective 04/27/2026

  • 9-MonthLimited Time Only
    9.00%  APY1
    8.649% Dividend Rate
    $100 Minimum Deposit
    $1,000 Maximum deposit
      - Limit one, new Members only.
9-Month New Member Certificate: Available to new Southland Members only. Individuals with an existing Southland account under the same Social Security number, or with a closed account within the past 12 months, do not qualify. Limit one certificate per Member/Social Security number. Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity. General Terms: Early withdrawal penalties apply. Yields are based on certificates held to maturity. Dividends are paid monthly. 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.

Pick Your Term

Rates Effective 04/27/2026

  • 9-MonthLimited Time Only
    3.50% APY1
    3.445% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum balance
       - IRA Certificates are available.
  • 18-MonthLimited Time Only
    3.50% APY1
    3.445% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum balance
       - IRA Certificates are available.
Pick Your Term 9-Month Certificate: Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity.

Pick Your Term 18-Month Certificate: Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity. 

General Terms: Early withdrawal penalties apply. Yields are based on certificates held to maturity. Dividends are paid monthly. 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.

Share, Certificate and Money Market rates


Rates Effective 04/27/2026

  • High Yield Savings
    2.05% APY1
    2.031% Dividend Rate
    $10,000 Minimum Deposit
    $10,000 Minimum Balance
  • Health Savings
    0.10% APY1
    0.100% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Holiday Club
    0.10% APY1
    0.100% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • IRA Savings
    0.10% APY1
    0.100% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Primary Savings
    0.10% APY1
    0.100% Dividend Rate
    $25 Minimum Deposit
    $25 Minimum Balance
Minimum Deposit and Minimum Balance requirements for Primary Savings Account waived for NEW Members opting to pay a Membership Entrance fee.

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

High Yield Savings: Minimum balance to earn promotional rate is $10,000. Balances under $10,000 will earn the regular share savings rate. To qualify, deposit must be new money to Southland transferred from another financial institution.

Rates Effective 04/27/2026

  • Business Checking
    0.05% APY1
    0.050% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Super Checking Non-Qualified Rate
    0.03% APY1
    0.030% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Super Checking Qualified Rate
    0.05% APY1
    0.050% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
1 APY = Annual Percentage Yield. Rates are variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members.
 
Super Checking account is no longer available.

Rates Effective 04/27/2026

  • Tier 1
    1.55% APY1
    1.539% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
    $10,000 Maximum Balance
  • Tier 2
    0.10% APY1
    0.100% Dividend Rate
    $10,001 Minimum Deposit
    $10,001 Minimum Balance
    $0 Maximum Balance
1 APY = Annual Percentage Yield. Rates are variable and are subject to change at anytime without notice. Indicated rates are available to qualified Members. Rates are tiered based on balances. 
 

Rates Effective 04/27/2026

  • Tier 1
    0.450% APY1
    0.450% Dividend Rate
    $0 Minimum Deposit
    $0 Minimum Balance
  • Tier 2
    0.700% APY1
    0.698% Dividend Rate
    $2,500 Minimum Deposit
    $2,500 Minimum Balance
  • Tier 3
    0.750% APY1
    0.748% Dividend Rate
    $10,000 Minimum Deposit
    $10,000 Minimum Balance
  • Tier 4
    0.750% APY1
    0.748% Dividend Rate
    $50,000 Minimum Deposit
    $50,000 Minimum Balance
  • Tier 5
    0.800% APY1
    0.798% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • Tier 6
    0.850% APY1
    0.847% Dividend Rate
    $150,000 Minimum Deposit
    $150,000 Minimum Balance
Tiered Rates earned are based on account balance.
 
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 04/27/2026

  • 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
    3.15% APY1
    3.106% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 4 Year
    3.40% APY1
    3.349% Dividend Rate
    $1,000 Minimum Deposit
    $1,000 Minimum Balance
  • 5 Year
    3.65% APY1
    3.591% 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 04/27/2026

  • 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
    3.25% APY1
    3.203% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 4 Year
    3.50% APY1
    3.446% Dividend Rate
    $100,000 Minimum Deposit
    $100,000 Minimum Balance
  • 5 Year
    3.75% APY1
    3.688% 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.