Deposit as often and as much as you wish or make regular deposits through our free payroll deduction or automatic transfer from checking or savings accounts. At maturity, you'll earn a good rate of return, which will be posted the first week in November for Christmas Club Accounts and the first week of June for Vacation Club Accounts.

Tired of the Stock Market? First South offers safe, insured options to take the guesswork out of investing. And yields are much higher than you might think. Call 901.380.7400 for the latest Certificate and Money Market rates. You'll find they are among the highest in the marketplace. And with our great rates, you'll feel confident investing in a product that's safe, secure AND high yielding.

First South offers great certificate rates everyday! Just call 901.380.7400 for our current rates. Plus, with terms from 90 days to 60 months, you can find a Share Certificate to match your needs.

The Roth and Education IRAs offer you a great rate of return and some additional flexibility not found with a traditional IRA. Unlike with traditional IRAs, contributions to the Roth and Educational IRAs are not tax deductible. However, they do offer the opportunity for tax-free earnings. Detailed information is available from First South and can be requested by e-mail.

If you need to save specifically for college or some other higher-educational expense, then an Education IRA might be your best bet. These IRAs are designed to allow for tax- and penalty-free withdrawals for qualified educational expenses.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify and record information that identifies each person.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.

The cost is only $5 a month and your spouse is enrolled at no charge. To join, just call toll free
1.877.807.6238 and ask for Randall Putala or call 901.380.7400 to ask about Prime benefits and information.