NEW Personal Savings Accounts

Building a Better Savings Starts Here

Building a better banking experience means offering savings solutions that combine trusted relationships with thoughtful financial planning. We provide a range of savings options designed to support your goals today and help you prepare for what’s ahead—whether your focus is building a foundation, growing balances over time, or setting funds aside with purpose.

All Southern Bank of Tennessee personal savings accounts include:

  • Image statements for savings and special occasion savings accounts
  • Unlimited telephone banking access*
  • Free Credit Score Monitoring**
  • Unlimited online banking access*
  • Unlimited mobile banking access*
  • $3 Monthly Paper Statement Fee can be avoided with eStatement enrollment

*All Savings and Money Market Accounts are allowed no more than 6 withdrawals/transfers per month if the transactions are automatic or telephone transfers, checks, debit card, or online banking. Fee charged over 6 transactions per month.

**Click here to see Terms and Conditions for Free Credit Score Monitoring

 

 

SAVINGS ACCOUNTS

MONEY MARKET ACCOUNTS

 HEALTH SAVINGS ACCOUNTS (HSA)
Southern Everyday Savings

Everyday savings built with clarity and simplicity. Offers the flexibility to deposit and withdraw as needed, making it easy to save with confidence.
Southern Everyday Money Market

A flexible money market account designed to help you manage cash while earning competitive returns.

Offers tiered interest rates that reward higher balances while keeping your funds accessible and in your control.

A thoughtfully designed savings account that helps you plan for healthcare needs while maximizing tax advantages.

Allows you to set aside funds for qualified medical expenses while turning health savings into long‑term tax savings.
Southern Reserve High Yield Savings

A secure   savings option designed to deliver stronger returns over time. Offers a higher‑yield approach to saving while keeping your funds accessible and secure.
Southern Reserve Money Market
An interest‑focused money market designed to deliver enhanced returns for higher balances. Offers premium, tiered rates that reward larger balances while maintaining flexibility and control.

 
Southern Special Occasion Savings

Purpose‑driven savings designed to help you plan ahead for meaningful moments. Features a boosted first savings tier to help you build momentum toward your goals from the start.
 
 
 
 
 

CERTIFICATES OF DEPOST (CD) 

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)
Everyday CDs

A secure way to save with reliable returns through a fixed‑rate certificate of deposit. Offers a dependable savings option that allows you to earn with confidence while your rate remains fixed for the term.

A retirement savings option designed to help you plan ahead and build toward long‑term financial goals.

Offers tax‑advantaged saving to support thoughtful, disciplined planning for the future.




































 

Have questions about which account is right for you? Our team is here to help guide you through your options.

Connect with Us Locations & Hours

HOME EQUITY LINE OF CREDIT

Take advantage of a 6% introductory APR for 6 months and up to $750 towards closing costs

If the equity in your home has increased, it might be a good time to consider a Home Equity Line of Credit to work toward your goals. Common uses for a HELOC:
 
  • Home Improvement Projects
  • Travel
  • Consolidating Debt 
  • Caring for Loved Ones
Offer subject to credit approval. Click here for details. (Opens in a new Window)