Looking for an account where you can set money aside for a longer period of time and earn more?
Looking to earn more with your money? With our 12 Month Certificate, you could earn dividends as high as 3.80% APY1. Visit one of our locations or open an account online today.
Rates effective as of April 1, 2026
Flexible. Build-As-You-Go.
Perfect for new savers. Add money anytime during the 12 month term using Online and Mobile Banking or automatic transfers. Dividends are earned based on your certificate balance and rate.
Retirement Savings. Tax Advantages.3
Save for retirement while earning dividends, based on your certificate balance and rate. An Individual Retirement Account (IRA) is a tax-advantaged investment account for retirement savings.3 You can earn dividends like a Share Certificate and enjoy benefits of an IRA at the same time.
They are courteous, friendly, great customer service and make Me feel like I am a value patron to their establishment. Keep up the Great Great Work!!!
– Sandy M. (2025)
The app allows you to handle business that you’d otherwise have to go into a branch to handle… Up to date and dependable.
– Teague (2025)
AllSouth has always protected my account, and reps are very cordial, getting to the root of answering my questions and offering their best advice in any bank related issue.
– Angela I. (2025)
1 APY = Annual percentage yield. For Certificates with maturities less than nine (9) months, dividends will be compounded and credited at maturity. For Certificates with maturities equal to or greater than nine (9) months, dividends will be compounded quarterly and credited quarterly. Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account. $1,000 minimum balance to open.
2 Members can open 3 Month, 6 Month, 12 Month, and 12 Month Add-On Certificates online. Longer term certificates including our 24 Month, 36 Month, and 60 Month terms can be opened by visiting one of our locations.
3 Consult your tax advisor for any tax deductions, benefits, or for any other potential tax benefits regarding IRA accounts.
