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Certificate and IRA special-2.75% APY for 7 months and 3.00% APY for 13 months*

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Let your money work harder for you by opening a Certificate(CD) or Traditional IRA with First South Financial, one of the strongest financial institutions in the nation.

You can open your Certificate (CD) or IRA by calling us at 901.380.7400 or by visiting any banking center.

And if you don't already bank with us, you can start a relationship with us in just minutes! 

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CD (Certificate) and IRA Specials
Effective Date: Wednesday, June 7th, 2023
NameTermminimum to openRateAnnual Percentage Yield
13 Month Certificate 13 months $5,000 2.960% 3.00%
7 Month Certificate 7 months $5,000 2.710% 2.75%
13 Month Traditional IRA 13 months $5,000 2.960% 3.00%
7 Month Traditional IRA 7 months $5,000 2.710% 2.75%

*APY = Annual Percentage Yield. Minimum deposit amount of $5,000.00. At maturity the 7-month CD or IRA will convert to a 6-month cerfiticate or IRA at our standard posted rates and the 13 month CD or IRA will convert to a 12-month certificate or IRA at our standard posted rates. The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Early withdrawal penalties apply and may effect earnings. Please consult your tax advisor regarding your eligibility to open an IRA. Rates and offers are subject to change or withdrawal without notice. Other rates and terms are available. Please see us for complete details. Federally insured by NCUA.

First South Financial is headquartered in Bartlett, TN with convenient banking centers in Tennessee and Mississippi.

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