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Share Certificates

Share Certificates

Share certificates allow you to earn higher dividends than traditional savings accounts because you deposit a specific dollar amount for a set period of time. Share certificates offer a variety of options with terms from 91 days to five years and deposit minimums as low as $500. Your one-time deposit gives you greater return for the term you’re most comfortable with. There is a minimum balance requirement and a penalty for early withdrawals.

Quick Reference

  • Earn higher dividends by depositing a specific dollar amount for a set period of time (91 days to five years).
  • Opened upon request – by phone, email or in person
  • Certificates will auto-renew unless otherwise directed.
  • Payroll deduction/direct deposit does not apply to certificates.

Application & Approval Process

  • There is no application for any certificate.  It is opened upon request by speaking with an employee of Southern Security.
  • There is no credit approval required for this account.
  • If funds are available and on deposit in a Southern Security account(s), Southern Security can transfer the available funds to open your certificate(s).
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Do you have a family member who is already a Southern Security member? Or, do you work for one of over 500 of our sponsor companies?

You may not be eligible for membership at this time. Please call 901.452.7900 or 800.633.4128 or visit a branch for further assistance.