Time Deposit

What's your savings style? If you find yourself looking for steady, predictable returns that don't make you feel like you're riding the market roller coaster, then a Certificate of Deposit (CD) from Southern Hills may be right for you. And, with our IRA CDs, you can invest in a CD within an individual retirement account and watch your nest egg grow.

For current CD rates, give us a call at 888-898-9839 or visit us at any location.

Great for personal or business savings

​With attractive interest rates, short-term and long-term options and the peace of mind that comes from knowing what return you're receiving, CDs from Southern Hills are great for both individuals and businesses.

  • Businesses: CDs can be purchased in staggered maturities to complement your cash flow needs.
  • Individuals and Businesses: Choose terms ranging from 6 months to 7 years, whatever suits your needs, and get started by depositing as little as $500.00.

Strengthen your retirement savings with an IRA CD

Enjoy tax-deferred growth by opening an IRA and funding it with certificates of deposit. Unlike the stock market, your IRA CD savings is insured by the FDIC up to $250,000, and CD rates don't fluctuate with the market, which gives you the predictability you may be looking for.

We'll help you choose the right CD

We look forward to meeting you, getting to know your financial goals and guiding you in the right direction. Talk to a Southern Hills banker anytime about CDs and other savings methods by calling 888-898-9839 or visit us at any location.

 

​See our schedule of CD products below.

We are a relationship driven community banking organization.  Take advantage of our online banking, mobile banking and telephone banking services.  Visit us in person and feel the warmth of being welcome and appreciated.  Let us help you make the right banking choices to fit your needs and priorities.  Enjoy your Southern Hills experience.  

 

CD TERM  Minimum to Open   Minimum balance to earn interest  Grace Days Compound Frequency Credit Frequency Penalty for
early withdrawal
(Days Interest)
182 DAY CD  $500.00  $500.00 10 DAILY AT MATURITY 90 DAYS
9 MONTHS  $500.00  $500.00 10 DAILY QUARTERLY 90 DAYS
12 MONTHS  $500.00  $500.00 10 DAILY QUARTERLY 90 DAYS
15 MONTHS  $500.00  $500.00 10 DAILY QUARTERLY 180 DAYS
18 MONTHS   $500.00  $500.00 10 DAILY QUARTERLY 180 DAYS
24 MONTHS   $500.00  $500.00 10 DAILY QUARTERLY 180 DAYS
30 MONTHS    $500.00  $500.00 10 DAILY QUARTERLY 180 DAYS
36 MONTHS    $500.00  $500.00 10 DAILY QUARTERLY 180 DAYS
48 MONTHS  $500.00  $500.00 10 DAILY QUARTERLY 180 DAYS
60 MONTHS  $500.00  $500.00 10 DAILY QUARTERLY 180 DAYS
72 MONTHS  $1,000.00  $1,000.00 10 QUARTERLY QUARTERLY 360 DAYS
84 MONTHS  $1,000.00  $1,000.00 10 QUARTERLY QUARTERLY 360 DAYS

 

*    ALL ACCOUNTS ARE SET UP ON AUTOMATIC RENEWAL

*    ALL ACCOUNTS PAY ACCRUED INTEREST AT CLOSING

 

IRA PLANS

*    MUST OPEN AN IRA PLAN TO HOLD AN IRA ACCOUNT

*    IRA CD TERMS OF 12 MONTHS OR MORE ARE THE SAME AS LISTED ABOVE

*    WE DO NOT OFFER 182 DAY AND 9 MONTH IRA CD TERMS--RECOMMEND IRA STATEMENT SAVINGS

Proper disclosures provided at or before account opening as required by applicable laws and regulations.