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CDs and IRAs

Share Certificates (CDs)

First South Financial 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.

First South Financial CD and IRA rates

Build-it CD

Save for a multitude of life events in a manner that's easy for you with First South Financial's Build-it CD product. This 3- or 6-month CD allows you to make deposits into the CD at any time, not just at maturity. It only requires $100 to open and earns the same rates as our regular CDs for the same term. 

Roth and Traditional IRAs and Coverdell ESAs

Traditional IRAs offer a good rate of return and the ability to make tax-free contributions.  Roth IRAs and Coverdell ESAs 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.

If you need to save specifically for college or some other higher-educational expense, then an Coverdell Educational Savings Account (ESA) might be your best bet. These ESAs are designed to allow for tax- and penalty-free withdrawals for qualified educational expenses.

If you'd like more information about our IRA, HSA and ESA accounts, please click on one of the links listed below:




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