Certificate Accounts

Your money, your choice!

9- or 18-Month Terms

Earn an APY* of 3.50%
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.

New Member Anniversary Special

Earn 9.00% APY* on a 9-Month Certificate

  • $100 minimum deposit
  • $1,000 maximum deposit
  • New Members only

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Pick Your Term

Earn 3.50% APY** on a 9- or 18-Month Certificate

  • $1,000 minimum deposit
  • No maximum deposit

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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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Online & Mobile Access

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Safe and Secure

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.

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.

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.

*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.

**APY = Annual Percentage Yield. Rates quoted effective 2/18/26 and subject to change without notice. Minimum opening deposit of $1,000, no maximum. 9-Month Certificate: Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity. 18-Month Certificate: Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity. Membership is subject to eligibility. All new accounts are verified through ChexSystems and subject to credit approval. Certificate General Terms: Early withdrawal penalties apply. Yields are based on certificates held to maturity. Dividends are compounded and 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, up to $250,000. Additional coverage for multiple accounts is detailed in the NCUA’s Your Insured Funds booklet.