BRANCH CLOSING - Our Bartlett Banking Center will be TEMPORARILY CLOSED from Monday, July 21st, 2025, through Thursday, July 24th, 2025. It will be open for drive-thru only on Friday, July 25th, 2025 and Saturday, July 26th, 2025. The branch will back to full service on Monday, July 28th, 2025.

You can reach our Mortgage Department at (901) 380-7530 or mortgages@firstsouth.com during this same time frame for any mortgage-related needs. We apologize for any inconvenience and appreciate your patience. To find the most convenient banking center, please access our banking locations and hours page.

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Home } Personal } CDs & IRAs } Certificate of Deposit (CDs)

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: Sunday, July 20th, 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: Sunday, July 20th, 2025
TermDividend RateAnnual Percentage Yield
3 Months 2.16% 2.18%
6 Months 2.85% 2.87%
12 Months 2.71% 2.74%
18 Months 2.33% 2.35%
24 Months 2.40% 2.43%
30 Months 1.75% 1.76%
36 Months 2.35% 2.38%
48 Months 2.00% 2.02%
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:

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  • 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: Sunday, July 20th, 2025
TermDividend RateAnnual Percentage YieldBalance
3 Months 1.80% 1.80% $100 to $999.99
6 Months 1.74% 1.75% $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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