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Current Promotions

2.50% APR* for 12 months on a Home Equity Line of Credit

  • No points or origination costs!
  • Up to 95% LTV
  • Limits up to $500,000
  • No floor rate!

If you're thinking about home improvements, remodeling, going on vacation, college tuition or paying off debt, our home equity line of credit special is a great option for any of these projects!

Don't wait! Apply today!

*2.50% APR is a 12-month introductory rate for a home equity line of credit with an LTV of 95% or less with a 20-year term. After the 13th month, the APR will adjust based on Prime as listed in the Wall Street Journal plus a margin. Loans are subject to approval, not all applicants will qualify. Other rates and terms are available. Offer is subject to change or withdrawal without notice. Please see us for complete details. Equal housing lender. Valid through 06/30/2017.


2.99% APR intro rate for 12 months* on our Visa Platinum credit card!

This great introductory rate is valid for our regular card as well as our rebate and rewards cards too! This rate is good for:

  • Balance Transfers
  • Purchases
  • Cash advances

To find out more, please click here. Ready to apply? Click here.

*2.99% APR introductory rate is valid until 06/30/2017 and is valid for 12 billing cycles. After the promotional period ends, the rate will convert to the rate for which you qualify at account opening. Loans are subject to approval, not all applicants will qualify. Offer is subject to change or withdrawal without notice. Please see First South Financial for complete details. Equal opportunity lender. Rate is valid as of 04/01/2017. No annual fee.


3.50% APR* on 10-year fixed rate mortgage!

Hurry before rates go up! LIMITED TIME OFFER!

  • No points
  • Easy application and closing process
  • This loan stays with us - it is never sold!**

To find out more, please click here. Ready to apply? Click here.

*Valid for an LTV of 97% or less. Payments are approximately $9.89 per $1,000 borrowred. Payment does not include taxes and insurance, your actual payment obligation may be higher. Closing costs do apply and other rates and terms are available.  Equal housing lender. Not all applicants will qualify - loans are subject to approval criteria. Offers are subject to change or withdrawal without notice. Please see us for complete details. Equal housing lender.


Put the children in your life on the road to being a savvy saver with our Youth Account promotion!

We'll make the initial $25 deposit and waive the $10 when you do!* A savings account is a great place for kids to put the cash they receive as gifts, allowance, from part-time jobs, etc.

*Offer valid until 06/30/17. Primary member must be under the age of 18. Legal guardian or parent must be a joint member on the account. Does not apply to existing First South Financial youth accounts. Offer is subject to withdawal or change without notice. Please see us for complete details.


$50 for Direct Deposit of the full amount of net pay or benefits into your First South account.*

Sign up for direct deposit of your net pay or benefits and we'll give you $50 when it posts!

*$50 direct deposit bonus will be paid in 1 to 2 days after the qualifying deposit posts.Offer valid until 6/30/17. Must post by 08/31/2017. Does not apply to existing direct deposits to existing First South Financial Accounts. Some direct deposits do not qualify. Offer is subject to change or withdrawal without notice. Please see us for complete details.

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