SouthernTrust Bank

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.southerntrustbankonline.com

618-998-0098

701 N Court St
Marion, IL 62959

SouthernTrust Bank is headquartered in MARION and is the 165^th largest bank in the state of Illinois. It is also the 2,622^nd largest bank in the nation. It was established in 2005 and as of March of 2025, it had grown to 30 employees at 3 locations. SouthernTrust Bank's money market rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57897
Year Established	2005
Employees	30
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.02%
Return on Equity - YTD	10.14%
Annual Interest Income	$4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$275.7MM$270.2MM
Loans	Q1 2025vs Q1 2024	$202.4MM$196MM
Deposits	Q1 2025vs Q1 2024	$200.2MM$194.3MM
Equity Capital	Q1 2025vs Q1 2024	$28MM$26.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2MM$2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.8MM$1.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$861K$151K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SouthernTrust Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$10	-	Christmas Club
0.10%	$50	-	Southern Savings
0.10%	$100	-	Southern Business Savings

SouthernTrust Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.26%^*	$750k^*	-	Money Market Deposit Account
OTHER TIERS: 0.50% → $0 - $10k \| 0.60% → $10k - $50k \| 0.75% → $50k - $249k \| 1.00% → $250k - $499k \| 1.11% → $500k - $749k

SouthernTrust Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$0	$10k	Southern Rewards
OTHER TIERS: 0.10% → $10k+
0.25%^*	$5k^*	-	Southern Gold
OTHER TIERS: 0.10% → $1k - $2.5k \| 0.15% → $2.5k - $5k
0.25%^*	$10k^*	-	Southern Business Advantage
OTHER TIERS: 0.10% → $1.5k - $4k \| 0.15% → $4k - $10k
0.10%	$1k	-	Southern Silver

SouthernTrust Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$1k	-	18 Month CD
1.56%	$1k	-	48 Month CD
1.56%	$1k	-	60 Month CD
1.51%	$1k	-	24 Month CD
1.51%	$1k	-	36 Month CD
1.26%	$1k	-	12 Month CD
0.85%	$1k	-	6 Month CD
0.50%	$1k	-	3 Month CD

SouthernTrust Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.56%	$1k	-	48 Month IRA CD
1.51%	$1k	-	24 Month IRA CD
1.51%	$1k	-	36 Month IRA CD
1.26%	$1k	-	12 Month IRA CD

Locations

SouthernTrust Bank Locations
Southerntrust Bank	701 N Court St	Marion, IL 62959
Vienna Branch	200 South First Street	Vienna, IL 62995
Goreville Branch	101 N Broadway	Goreville, IL 62939

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