Southern Bank & Trust offers several options to assist you in reaching your savings goal. Whether you're opening your first savings account or adding to a long term savings plan Southern Bank & Trust has an account to best suit your needs.

• Southern Savings
• Southern Student Savings
• Southern Certificate of Deposit
• Southern Individual Retirement Accounts

Southern Savings

• $100 minimum to open
• Accounts earn interest on $100 minimum balance
• Three (3) free withdrawals per quarter
• $2.00 fee for each transaction over three(3)
• Quarterly statements are provided
• Interest is compounded quarterly, credited quarterly and paid on collected balance  

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Southern Student Savings

• $25 minimum to open
• Three (3) free withdrawals per quarter
• $2.00 fee for each transaction over three(3)
• Interest is compounded quarterly, credited quarterly and paid on collected balance 

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Southern Certificate of Deposit

• $500.00 minimum to open
• Terms from three (3) months to sixty (60) months
• Automatic certificate renewal
• Earn competitve market rates of interest
• Interest can be paid monthly, quaterly, semi-annually or at maturity
• Penalty for early withdrawal

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Southern Individual Retirement Accounts

• $500 minimum to open
• Terms from three (3) months to sixty (60) months
• Automatic certificate renewal
• Interest reinvested in the IRA
• Standard ira rules apply
• Educational, traditional and roth IRA's available
• Penalty for early withdrawal

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