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Certificates of Deposit

Certificates (CDs) 

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Grow your money securely

Guaranteed best cd and ira rates - if you find a better rate from a local bank or credit union, we'll beat it!*

Check out our 4-month and 7-month CD specials!

CD (Certificate) and IRA Specials
Effective Date: Wednesday, April 30th, 2025
NameTermMinimum to openDividend RateAnnual Percentage Yield
4 Month Certificate 4 months $5,000 4.18% 4.250%
7 Month Traditional IRA 7 months $5,000 4.26% 4.500%

Our Certificates are designed to increase your savings in a safe and secure way. 

CDs (Certificates) and IRAs
Effective Date: Wednesday, April 30th, 2025
TermDividend RateAnnual Percentage Yield
3 Months 2.23% 2.25%
6 Months 3.57% 3.60%
12 Months 3.49% 3.54%
18 Months 2.50% 2.53%
24 Months 2.55% 2.58%
30 Months 1.75% 1.76%
36 Months 2.48% 2.51%
48 Months 2.48% 2.51%
APY = Annual Percentage Yield. Monthly Interest / Monthly Check - Posted rate less .20% APY. Early withdrawals from CDs and IRAs will incur substantial penalties. Fees could reduce earnings on some accounts. Additional deposits are permitted to share certificates up to 10 days after open/renewal date. The minimum required to open the above accounts is the same as the minimum required to earn corresponding interest except IRAs - minimum opening balance is $100.00. All rates subject to change without notice. Call 901.380.7400 for current rate information.

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How a CD can benefit you:

  • There's a wide range of terms available, from 3 to 60 months
  • The interest rate is fixed for the term of the CD
  • Assurance that you're getting the best rate with our Guaranteed Best Rates 
  • Funds in a CD are federally insured up to $250,000* by the NCUA

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. 

Build IT CDs
Effective Date: Wednesday, April 30th, 2025
TermDividend RateAnnual Percentage YieldBalance
3 Months 1.73% 1.73% $100 to $999.99
6 Months 1.54% 1.55% $100 to $999.99
APY = Annual Percentage Yield. Build IT CDs can accept additional deposits at any time via direct deposit, a branch transaction, or ACH. Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details.Federally insured by NCUA.

*Promotional rates are subject to change or withdrawal without notice. Restrictions apply to the 4 month and 7 month CD and IRA specials as well as Guaranteed Best Rates. Please see us for complete details. Funds are federally insured up to $250,000 by the NCUA. Please see us for complete details.

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