When you open a Savings account with Southern Bank, you are making a great investment. Our Personal Savings offer the best benefits; from Christmas Club to Money Market Savings to Individual Retirement Accounts, Southern Bank has it all. When it comes to saving, we know what’s important. We work to offer you the best savings options, because you’re important to us.
PERSONAL SAVINGS ACCOUNTS

Regular Savings
- Earns Interest
- Funds are easily accessible
- No monthly maintenance fee with $200 minimum balance
- Restrictions apply

Christmas Club Savings
- Start with $25
- You choose how much to deposit
- We mail you a check for the balance in November, just in time for Christmas!

IRAs
- $100 minimum deposit to open
- Roth or Traditional IRAs available
- Fixed or variable rates
- Tax-deferred investments

Money Market Accounts
- Standard and Premium Accounts
- Interest rate based on balance – the higher the balance, the higher the rate
- No monthly fee when qualifiers are maintained

Certificate of Deposits (CDs)
- $500 minimum deposit to open
- Guaranteed rate of return
- Terms range from one week to five years