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. Balance To Earn APY1
    APY1
    Membership Savings
    $100.00
    0.10%
    Christmas Club
    $0.01
    0.05%
    Cookie Jar Club
    $0.01
    0.05%
    Super Saver
    $100.00
    0.10%
    IRA Savings
    $25.00
    0.10%
    Business Savings
    $100.00
    0.10%

    Rates effective as of July 1, 2022

  • Checking
    Min. Balance To Earn APY1
    APY1
    Interest Checking
    $1,000.00
    0.05%

    Rates effective as of July 1, 2022

  • Money Market
    Min. Balance To Earn APY1
    APY1
    Money Market
    $1,000.00
    0.20%
    $10,000.00
    0.25%
    $25,000.00
    0.30%
    $50,000.00
    0.35%
    $75,000.00
    0.40%
    $100,000.00
    0.45%

    Rates effective as of October 1, 2022

  • Certificates2
    Min. Balance To Earn APY1
    APY1
    3 Month Certificate
    $1,000.00
    0.20%
    $10,000.00
    0.25%
    $25,000.00
    0.30%
    $50,000.00
    0.35%
    $75,000.00
    0.40%
    $100,000.00
    0.45%
    Min. Balance To Earn APY1
    APY1
    6 Month Certificate
    $1,000.00
    0.30%
    $10,000.00
    0.35%
    $25,000.00
    0.40%
    $50,000.00
    0.45%
    $75,000.00
    0.50%
    $100,000.00
    0.55%
    Min. Balance To Earn APY1
    APY1
    12 Month Add-On Certificate 3
    $100.00
    0.45%
    Min. Balance To Earn APY1
    APY1
    12 Month Certificate
    $1,000.00
    0.55%
    $10,000.00
    0.60%
    $25,000.00
    0.65%
    $50,000.00
    0.70%
    $75,000.00
    0.75%
    $100,000.00
    0.80%
    Min. Balance To Earn APY1
    APY1
    24 Month Certificate
    $1,000.00
    0.60%
    $10,000.00
    0.65%
    $25,000.00
    0.70%
    $50,000.00
    0.75%
    $75,000.00
    0.80%
    $100,000.00
    0.85%
    Min. Balance To Earn APY1
    APY1
    36 Month Certificate
    $1,000.00
    0.65%
    $10,000.00
    0.70%
    $25,000.00
    0.75%
    $50,000.00
    0.80%
    $75,000.00
    0.85%
    $100,000.00
    0.90%
    Min. Balance To Earn APY1
    APY1
    60 Month Certificate
    $1,000.00
    0.70%
    $10,000.00
    0.75%
    $25,000.00
    0.80%
    $50,000.00
    0.85%
    $75,000.00
    0.90%
    $100,000.00
    0.95%

    Rates effective as of October 4, 2022

  • IRA Certificates
    Min. Balance To Earn APY1
    APY1
    12 Month Add on IRA Certificate 3
    $100.00
    0.45%
    Min. Balance To Earn APY1
    APY1
    12 Month IRA Certificate
    $500.00
    0.55%
    $10,000.00
    0.60%
    $25,000.00
    0.65%
    $50,000.00
    0.70%
    $75,000.00
    0.75%
    $100,000.00
    0.80%
    Min. Balance To Earn APY1
    APY1
    18 Month IRA Certificate
    $500.00
    0.60%
    $10,000.00
    0.65%
    $25,000.00
    0.70%
    $50,000.00
    0.75%
    $75,000.00
    0.80%
    $100,000.00
    0.85%
    Min. Balance To Earn APY1
    APY1
    30 Month IRA Certificate
    $500.00
    0.65%
    $10,000.00
    0.70%
    $25,000.00
    0.75%
    $50,000.00
    0.80%
    $75,000.00
    0.85%
    $100,000.00
    0.90%

    Rates effective as of October 4, 2022

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
    APR4 as low as
    New or Used Auto Loans5
    48 months
    4.24%
    63 months
    4.69%
    75 months
    5.04%
    84 months
    5.34%

    Rates effective as of September 2, 2022

  • Recreational Loans
    Term
    APR4 as low as
    Boat and RV Loans 6
    60 months
    6.25%
    72 months
    6.50%
    84 months
    7.00%
    120 months
    7.50%
    Term
    APR4 as low as
    Motorcycle Loans 6
    60 months
    7.50%
    72 months
    7.75%

    Rates effective as of August 22, 2022

  • Personal Loans
    Term
    APR4 as low as
    Personal Loan7
    up to 60 months
    10.90%
    Line of Credit8
    Open
    10.90%
    Share Secured Loan9
    up to 60 months
    4.75%
    Certificate Secured Loan10
    Certificate Maturity
    Certificate rate + 3.00%

    Rates effective as of July 1, 2022

  • Home Loans
    APR4 as low as
    Mortgages11
    Home Equity Loan12
    5.25%
    Home Equity Line of Credit13
    6.75%

    Rates effective as of September 26, 2022

Deposit Account 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
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