Certificates of Deposit

Our Certificates of Deposit offer guaranteed yields and the safety of FDIC insurance. Lock in a high yield that's guaranteed from the day you open your account until the day it matures. Your deposit balances are safe because SouthernTrust Bank deposits are backed by the Federal Deposit Insurance Corporation for up to at least $250,000 for each depositor. Learn about insuring your deposits at EDIE.

SouthernTrust Bank offers Certificates of Deposit in a broad range of maturities. You can open your own CD for as little as $1,000. Interest can be paid by check, direct deposit, or compounding depending on your preference.




EARLY WITHDRAWAL PENALTY- An early withdrawal penalty will be assessed on time deposits if there is a withdrawal before maturity and will reduce earnings.

Other fees, terms, and conditions may apply.  Please refer to the complete account disclosures available at your nearest SouthernTrust Bank location.  The Truth in Savings Act requires disclosures to be available on all consumer deposit accounts.  Please inquire at any SouthernTrust Bank location for a separate Truth in Savings disclosure.

*Interest Rate and Annual Percentage Yield (APY) are accurate as of July 20, 2020 and are subject to change without notice.  Complete required account disclosures will be provided at the time you open your account or upon request from any of our new account representatives.  Call 618-998-0098 for the most current information.


Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account.  This federal requirement applies to all new customers and current customers.  This information is used to assist the United States government in the fight against the funding of terrorist and money-laundering activities.