Accounts and Certificates

You can open an AllSouth account or certificate anytime, from anywhere that is convenient for you. Safe and secure, our accounts and certificates make it easy to save.

  • Savings
    MIN. AVERAGE DAILY BALANCE REQUIRED TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    Membership Savings
    $100.00
    0.20%
    0.20%
    Christmas Club
    $0.01
    0.10%
    0.10%
    Cookie Jar Club
    $0.01
    0.10%
    0.10%
    Super Saver
    $100.00
    0.20%
    0.20%
    IRA Savings
    $25.00
    0.20%
    0.20%
    Business Savings
    $100.00
    0.20%
    0.20%
    Savings (Secondary) Account
    $100.00
    0.20%
    0.20%

    Rates effective as of July 1, 2023

  • Checking
    MIN. DAILY BALANCE REQUIRED TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    Premium Checking2
    $0.00*
    4.59%
    4.50%
    $10,000.01
    0.10%
    0.10%
    Non-qualified
    0.10%
    0.10%
    MIN. DAILY BALANCE REQUIRED TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    Interest Checking
    $1,000.00
    0.10%
    0.10%

    Rates effective as of June 1, 2024
    *Qualifications apply

  • Money Market
    MIN. AVERAGE DAILY BALANCE REQUIRED TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    Money Market
    $1,000.00
    1.00%
    1.00%
    $10,000.00
    1.11%
    1.10%
    $25,000.00
    1.21%
    1.20%
    $50,000.00
    1.31%
    1.30%
    $75,000.00
    1.41%
    1.40%
    $100,000.00
    1.51%
    1.50%

    Rates effective as of October 1, 2024

  • Certificates3
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    3 Month Certificate
    $1,000.00
    0.75%
    0.75%
    $10,000.00
    0.80%
    0.80%
    $25,000.00
    0.85%
    0.85%
    $50,000.00
    0.90%
    0.90%
    $75,000.00
    0.95%
    0.95%
    $100,000.00
    1.00%
    1.00%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    6 Month Certificate
    $1,000.00
    3.53%
    3.50%
    $10,000.00
    3.53%
    3.50%
    $25,000.00
    3.53%
    3.50%
    $50,000.00
    3.58%
    3.55%
    $75,000.00
    3.58%
    3.55%
    $100,000.00
    3.63%
    3.60%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    12 Month Add-On Certificate 4
    $100.00
    2.02%
    2.00%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    12 Month Certificate
    $1,000.00
    3.80%
    3.75%
    $10,000.00
    3.80%
    3.75%
    $25,000.00
    3.80%
    3.75%
    $50,000.00
    3.85%
    3.80%
    $75,000.00
    3.85%
    3.80%
    $100,000.00
    3.91%
    3.85%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    24 Month Certificate
    $1,000.00
    3.44%
    3.40%
    $10,000.00
    3.44%
    3.40%
    $25,000.00
    3.44%
    3.40%
    $50,000.00
    3.49%
    3.45%
    $75,000.00
    3.49%
    3.45%
    $100,000.00
    3.55%
    3.50%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    36 Month Certificate
    $1,000.00
    2.93%
    2.90%
    $10,000.00
    2.93%
    2.90%
    $25,000.00
    2.93%
    2.90%
    $50,000.00
    2.98%
    2.95%
    $75,000.00
    2.98%
    2.95%
    $100,000.00
    3.03%
    3.00%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    60 Month Certificate
    $1,000.00
    2.93%
    2.90%
    $10,000.00
    2.93%
    2.90%
    $25,000.00
    2.93%
    2.90%
    $50,000.00
    2.98%
    2.95%
    $75,000.00
    2.98%
    2.95%
    $100,000.00
    3.03%
    3.00%

    Rates effective as of July 15, 2025

  • IRA Certificates
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    12 Month Add-On IRA Certificate 4
    $100.00
    2.02%
    2.00%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    12 Month IRA Certificate
    $500.00
    3.80%
    3.75%
    $10,000.00
    3.80%
    3.75%
    $25,000.00
    3.80%
    3.75%
    $50,000.00
    3.85%
    3.80%
    $75,000.00
    3.85%
    3.80%
    $100,000.00
    3.91%
    3.85%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    18 Month IRA Certificate
    $500.00
    3.60%
    3.55%
    $10,000.00
    3.60%
    3.55%
    $25,000.00
    3.60%
    3.55%
    $50,000.00
    3.65%
    3.60%
    $75,000.00
    3.65%
    3.60%
    $100,000.00
    3.70%
    3.65%
    MIN. BALANCE TO EARN APY1
    APY1
    Dividend Rate
    Toggle between APY and Dividend rates
    30 Month IRA Certificate
    $500.00
    3.19%
    3.15%
    $10,000.00
    3.19%
    3.15%
    $25,000.00
    3.19%
    3.15%
    $50,000.00
    3.24%
    3.20%
    $75,000.00
    3.24%
    3.20%
    $100,000.00
    3.29%
    3.25%

    Rates effective as of July 15, 2025

Loans

Whether you need to make a large purchase or take that once-in-a-lifetime vacation, an AllSouth loan can make your dreams a reality. With competitive rates and flexible terms, AllSouth’s personalized service helps finance your goals.

  • Auto Loans
    TERM
    APR5 AS LOW AS
    New or Used Auto Loans6
    63 months
    5.29%
    75 months
    5.39%
    84 months
    5.69%

    Rates effective as of May 21, 2025

  • Recreational Loans
    TERM
    APR5 AS LOW AS
    Boat and RV Loans 7
    60 months
    7.50%
    72 months
    7.75%
    84 months
    8.25%
    120 months
    8.75%
    TERM
    APR5 AS LOW AS
    Motorcycle Loans 7
    60 months
    8.25%
    72 months
    8.50%

    Rates effective as of January 1, 2024

  • Personal Loans
    TERM
    APR5 AS LOW AS
    Personal Loan8
    up to 60 months
    10.90%
    Line of Credit9
    Open
    10.90%
    Share Secured Loan10
    up to 60 months
    5.00%
    Certificate Secured Loan11
    Certificate Maturity
    Certificate rate + 4.00%

    Rates effective as of May 9, 2023

  • Home Loans
    Interest Rate as low as
    APR5 AS LOW AS
    5/5 ARM12
    5.25%
    6.28%
    10/1 ARM12
    5.25%
    5.94%
    15 Year Fixed12
    5.625%
    5.84%
    30 Year Fixed12
    6.50%
    6.64%
    Home Equity Line of Credit13
    6.50%
    6.50%
    Other Mortgage Products12
    Check Rates

    Rates effective as of July 22, 2025

Deposit Account Dividend Information

  • Dividend Information
    Type of Account
    Dividends Compounded
    Dividends Credited
    Membership Savings
    Quarterly
    End of Quarter
    Christmas Club
    Monthly
    End of Month
    Cookie Jar Club
    Monthly
    End of Month
    Super Saver
    Quarterly
    End of Quarter
    IRA Savings
    Quarterly
    End of Quarter
    Business Savings
    Quarterly
    End of Month
    Savings (Secondary) Account
    Quarterly
    End of Quarter
    Premium Checking
    Monthly
    End of Month
    Interest Checking
    Monthly
    End of Month
    Money Market
    Monthly
    End of Month
    3 Month Certificate
    Quarterly
    At Maturity
    6 Month Certificate
    Semiannually
    At Maturity
    12 Month Add-On Certificate
    Quarterly
    Quarterly
    12 Month Certificate
    Quarterly
    Quarterly
    24 Month Certificate
    Quarterly
    Quarterly
    36 Month Certificate
    Quarterly
    Quarterly
    60 Month Certificate
    Quarterly
    Quarterly
    12 Month Add-On IRA Certificate
    Quarterly
    Quarterly
    12 Month IRA Certificate
    Quarterly
    Quarterly
    18 Month IRA Certificate
    Quarterly
    Quarterly
    30 Month IRA Certificate
    Quarterly
    Quarterly