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

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 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 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.

MONEY MARKET ACCOUNTS

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.

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.

HEALTH SAVINGS ACCOUNTS (HSA)

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.

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

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_{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.