First South Credit Union Banking With Friends Since 1957
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Personal Loans and Credit Cards


CLICK HERE TO APPLY FOR A PERSONAL LOAN
CLICK HERE TO APPLY FOR A CREDIT CARD
First South's VISA Platinum Program

Our VISA Platinum Credit Card program offers you:

  • NO ANNUAL FEE
  • Competitive fixed rate card option
  • Credit limits up to $25,000
  • Protection against fraud with Falcon Security
  • Free online access to your credit card account via online banking
  • World-wide ATM access

VISA Platinum Rewards – Like our VISA Platinum, this card has a great rate as low as Prime + 2% APR.* Purchases earn points that can be redeemed for high-quality merchandise or exciting travel options. With over 500 rewards to choose from and hassle-free redemption, this card is an excellent choice if you carry a monthly balance.

*The APR for this card is PRIME plus an additional 2 to 9 percentage points.This card has floor rates of 8.90% APR to 14.90% APR based on credit worthiness and a ceiling rate of 18.00% APR.

VISA Platinum Standard – This card has a rate as low as Prime + 1% APR*. An excellent choice for those who want a competitive rate and a high limit.

*The APR for this card is PRIME plus an additional 1 to 8 percentage points.This card has floor rates of 7.90% APR to 13.90% APR based on credit worthiness and a ceiling rate of 18.00% APR.

VISA Platinum Rebate – Enjoy all the benefits of a VISA Platinum and earn cash back too! Earn up to 1% on purchases depending on your balance. This card also has a rate as low as Prime + 2% APR.*

*The APR for this card is PRIME plus an additional 2 to 9 percentage points.This card has floor rates of 8.90% APR to 14.90% APR based on credit worthiness and a ceiling rate of 18.00% APR.

To apply for your First South credit card today, give us a call at 901.380.7401 or just click here.

* Credit card applications are subject to approval and not all consumers will qualify. Prime is defined as the Prime rate as published in the Wall Street Journal. All variable rate cards will have floor and ceiling limits as disclosed above. First South is an equal opportunity lender. Rates and offers are subject to change. Please see First South for complete details.

First South Reloadable VISA Cards

First South's reloadable VISA cards offer you all the convenience of a credit card and the security of cash. No credit checks and no interest charges! Just load money on your card and go!

We offer both non-personalized and personalized cards — the cost of the card is only $9.95 and loads are only $3 each.

PLEASE NOTE: AS OF NOVEMBER 4, 2008 OUR RELOADABLE VISA CARDS CAN ONLY BE PURCHASED OR RELOADED USING A FIRST SOUTH VISA CREDIT CARD OR DEBIT CARD.

We sincerely apologize for any inconvience that this may cause but several instances of fraud now require us to restrict the types of debit and credit cards that can be used to purchase or load these cards.

If you have questions or concerns, please call us at 901.380.7400 or stop by any of our 14 banking centers and we'll be happy to assist you.

We offer three programs designed to fit your specific needs:
MYCASH24/7/365 –
This general purpose card is a great alternative to carry lots of cash to pay bills or other routine expenses. Accepted anywhere that takes VISA, your MYCASH24/7/365 card is perfect for:
  • Tracking expenditures that you would normally pay in cash
  • Shopping online – save yourself the possibility of giving an indentity thief your credit or debit card number
  • providing money to a friend or family member who lives out of the area — loads are only $3 — much less expensive than wiring funds and much faster too!

To order or reload your MYCASH card, just click here or stop by any banking center.

Click here to access the FAQs for the MYCASH24/7/365 Card.

Click here to access a copy of the Terms and Conditions for the MYCASH24/7/365 Card.

PLEASE NOTE: AS OF NOVEMBER 4, 2008 OUR RELOADABLE VISA CARDS CAN ONLY BE PURCHASED OR RELOADED USING A FIRST SOUTH VISA CREDIT CARD OR DEBIT CARD.

We sincerely apologize for any inconvience that this may cause but several instances of fraud now require us to restrict the types of debit and credit cards that can be used to purchase or load these cards.

If you have questions or concerns, please call us at 901.380.7400 or stop by any of our 14 banking centers and we'll be happy to assist you.
 
MYSTUDENTCARD

If you have a child or grandchild that you want to teach financial responsibility — then this is the card for you! Parents can log into the My Account Web site and monitor the spending habits of their kids.

To order or reload your MYSTUDENTCARD, just click here or stop by any banking center today!

Click here to access the FAQs about the MyStudent Card.

Click here to access a copy of Terms And Conditions for the MyStudent Card.

PLEASE NOTE: AS OF NOVEMBER 4, 2008 OUR RELOADABLE VISA CARDS CAN ONLY BE PURCHASED OR RELOADED USING A FIRST SOUTH VISA CREDIT CARD OR DEBIT CARD.

We sincerely apologize for any inconvience that this may cause but several instances of fraud now require us to restrict the types of debit and credit cards that can be used to purchase or load these cards.

If you have questions or concerns, please call us at 901.380.7400 or stop by any of our 14 banking centers and we'll be happy to assist you.
 
MYTRAVELCARD

Don't want to hassle with cash or traveler's checks? Worried about taking your credit or debit card with you when you travel? Then our travel card is just what you need. Load funds onto the card and go! You can use it at any ATM worldwide that accepts VISA!

To order or reload your MYTRAVELCARD, just click here or stop by any banking center today!

PLEASE NOTE: AS OF NOVEMBER 4, 2008 OUR RELOADABLE VISA CARDS CAN ONLY BE PURCHASED OR RELOADED USING A FIRST SOUTH VISA CREDIT CARD OR DEBIT CARD.

We sincerely apologize for any inconvience that this may cause but several instances of fraud now require us to restrict the types of debit and credit cards that can be used to purchase or load these cards.

If you have questions or concerns, please call us at 901.380.7400 or stop by any of our 14 banking centers and we'll be happy to assist you.
VISA Gift Card

Make it simple, now you can get that special someone exactly what they want by giving them their own VISA gift card!

VISA Gift Cards are loaded with any designated amount of funds, redeemable to buy goods or services anywhere VISA debit cards are accepted. The card is not connected in any way to any account and does not rely on personal credit.

Click here to register your First South Visa Gift Card!

Click here to access the terms and conditions of your First South Visa Gift Card

For more information just stop by any of our 14 First South banking centers or call 901.380.7400 today!

 
Create A Password That Protects You When You Buy Online.
Introducing Verified by Visa. Take the First South Visa you already use, add a password to confirm online purchases, and you've got Verified by Visa. It's the new service that helps ensure that only you can use your First South Visa card online. Visa always protects you against unauthorized purchases before they even happen. Create your own password today at www.visa.com/verified.

*All loans and credit cards subject to approval. APR will be Prime plus the margin listed for the particular card program. "Prime" is defined as the prime rate as published in The Wall Street Journal and may adjust quarterly: January, April, July and October. The monthly determination date for the rate change is specified in the Cardholder Agreement which accompanies the card.Rates and programs subject to change without notice. Offer may be withdrawn at any time. First South is equal opportunity lender. Click here for details. You may also click here for our disclosures.

To report a lost or stolen First South Credit Card or VISA check card, please call 1.800.449.7728 AND please also notify First South at 901.380.7400. You may also stop by any branch.

To report a lost or stolen First South ATM card, please call 901.380.7400 or stop by any branch.
 
 
   
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