Southern Bank & Trust

Online Banking

Current Rates

Checking and Savings Accounts

Account Type Minimum Deposit to Open Account Minimum Amount to Earn Interest Interest Rate Annual Percentage Yield (APY)
Southern Checking $100.00 N/A 0.00% 0.00%
Southern Secure Checking $100.00 $1000.00-$2,499.99 0.20% 0.20%
    $2,500.00-$9,999..99 0.25% 0.25%
    $10,000.00 and up 0.30% 0.30%
Southern Senior Checking $100.00 $1000.00 and up 0.15% 0.15%
Southern Secure Classic Checking $100.00 $0-$2,499.99 0.20% 0.20%
    $2,500.00-$9,999.99 0.25% 0.25%
    $10,000.00 and up 0.30% 0.30%
         
Southern Business Interest Checking $1,000.00 $1,000.00 0.25% 0.25%
         
Southern Money Market Account $1000.00 $1000.00-$49,999.99 0.40% 0.40%
Southern Money Market - Business   $50,000.00-$99,999.99 0.50% 0.50%
    $100,000.00-$249,999.99 0.60% 0.60%
    $250,000.00-$499,999.99 0.95% 0.95%
    $500,000.00 and up 1.25% 1.26%
         
Southern  Savings $100.00 $100 0.35% 0.35%
Southern Student Savings $25.00 N/A 0.35% 0.35%

Certificates of Deposits & Individual Retirement Accounts

Account Type/Term Minimum Deposit to Open Account Interest Rate Annual Percentage Yield (APY)
3 month $500.00 0.30% 0.30%
6 month $500.00 0.45% 0.45%
12 month $500.00 1.00% 1.00%
18 month $500.00 1.10% 1.10%
24 months $500.00 1.15% 1.15%
36 months $500.00 1.20% 1.21%
48 months $500.00 1.25% 1.26%
60 months $500.00 1.30% 1.31%

Annual Percentage Yields (APY) accurate as of April 11, 2019; rates subject to change without notice and may change after the account is opened; fees could reduce earnings on account; minimum daily balance may be required to obtain the APY; a penalty may be imposed for early withdrawal from a Certificate of Deposit; Contact Customer Service for additional information.