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Current Specials

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Visa Platinum First Mortgages
Member Refer Home Equity Line of Credit
Direct Deposit Auto Loans
Certificate Specials Guaranteed Best CD & IRA rates
High Yield Checking  

 

OUr checking is creating real interest

Earn 6.25% on balances up to $10,0003

Earn more for doing your everyday banking with us!

Check out our High Yield Checking page for complete details!

LEARN MORE


Spring into a new ride--No Payments on New & Used Auto Purchases for 90 Days + $500 Cash* for well Qualified Borrowers

No Payments on New & Used Auto Purchases!4

Get in your new ride today and make $0 in payments for 90 Days!

Our preapproval process makes it easy! 

Apply Now


check out our latest CD and IRA special!*

CD (Certificate) and IRA Specials
Effective Date: Sunday, May 26th, 2024
NameTermminimum to openRateAnnual Percentage Yield
4 Month Certificate 4 months $5,000 4.187% 4.250%
7 Month Certificate 7 months $5,000 3.941% 4.000%
7 Month Traditional IRA 7 months $5,000 3.941% 4.000%

*APY = Annual Percentage Yield. Minimum deposit amount of $5,000.00. At maturity the 7-month CD or IRA will convert to an 6-month certificate or IRA at our standard posted rates.  At maturity the 4-month certificate will convert to a 3-month certificate  at our standard posted rate. The APY is an annualized rate that reflect estimated dividend earnings based on the dividend rate and frequency of compounding. Early withdrawal penalties apply. 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. Not available to institutional investors. Please see us for complete details. Federally insured by NCUA.


Guaranteed best rates on cds and IRAs**

FIRST SOUTH HAS THE BEST RATES IN TOWN ON CDS AND IRAS. GUARANTEED.

Plus, when you open a CD or IRA with us you'll also be banking with one of the strongest institutions in the nation.

And if you do find a local bank or credit union with a better rate, we'll beat it!**

Now is the time to invest in your future, so act fast! 

Call us today at 901-380-7400 or stop by any of our banking centers today!

**Offer valid for currently advertised rates of commercial banks and credit unions headquartered in Memphis, Dyersburg, Jackson, or Nashville TN. Beat the rate offer is only for CDs and IRAs with the same term and deposit amount as our current CDs and IRAs. The maximum term for the Guaranteed Best Rates for CDs and IRAs promotion is 24 months. Tangible proof of rate, term and deposit amount is required. Penalties for early withdrawal and other restrictions may apply. Please consult your tax advisor regarding your eligibility to open an IRA. Cannot be combined with other offers. Offer is subject to change or withdrawal without notice. Please see us for complete details. Federally insured by NCUA.


1.99% APR FOR 6 MONTHS ON A HOME EQUITY LINE OF CREDIT1

If you're thinking about a great vacation, a major remodeling project, or paying off debt, this offer is a great way to make that happen!

Our home equity lines of credit have the following benefits:

  • Loan-to-Value ratios as high as 90%
  • ABSOLUTELY no points, fees, or closing costs
  • Limits as high as $500,000
  • Easy application and approval process

To find out more, give us a call at 901-380-7400 or stop by any of our banking centers.

APPLY NOW

Home Equity Line of Credit Rates
Effective Date: Sunday, May 26th, 2024
Loan to Value (LTV)Terms and Draw PeriodsAPR
Up to 80% LTV up to 20 years/12 year draw period Prime + 0.00%^
81% to 90% LTV up to 20 years/12 year draw period Prime + 2.00%^


 3X Rewards on Travel Related Purchases + BNPL + 0.00% APR 12-month INTRO RATE on balance transfers with OUR Titanium Edge CREDIT CARD!2

Swtiching Means Saving!

Move your high-rate credit card balances today and save with 0% APR for 12 Months!

APPLY NOW

Credit Card Rates
Effective Date: Sunday, May 26th, 2024
NameAPR
Titanium/Edge 18.50% APR to 26.50% APR*
Platinum Flex/Rewards 16.50% APR to 24.50% APR*
Platinum Advantage 14.50% APR to 22.50% APR*

To find out more, give us a call at 901-380-7400 or stop by any of our banking centers. Intro rate is also available on our Platinum Advantage and Platinum Flex/Rewards cards too!


refer your friends and family to our mortgage department today!

you'll both get a $250 VISA gift card* when their loan closes!

We are a full service mortgage lender who can offer you:

  • Easy application and closing process
  • Competitive rates for any type of mortgage loan
  • Secure online application
  • Fast and efficient processing and closing

Have questions? give us a call at 901-380-7530.

APPLY NOW

*Offer valid until 06/30/24 and does not apply to existing First South Financial mortgage loans. Gift cards will be available 3 to 4 business days after the loan closes. Limit one gift card per loan. Offer issubject to change or withdrawal without notice and cannot be combined with other offers. Loans are subject approval criteria, not all applicants will qualify. Please see us for complete details. Equal Housing Lender. NMLS# 410640 


Refer your friends and family members and you'll both get $25 when they join!

If you enjoy banking with us, don't keep it a secret! 

Refer your friends and family to us and you'll both get $25* when they open an account with us.

To find out more, give us a call at 901-380-7400. Open your account at one of our banking centers today!

*Offer valid until 06/30/24. Referred members must pay the $10 membership fee and make the initial $25 deposit. Existing First South Financial members cannot be referred. $25 will be paid 1 to 2 business days after the referred member joins. Offer is subject to change or withdrawal without notice, please see us for complete details.


Sign up for direct deposit of the full amount of your net pay or benefits and get $75!*

Avoid the hassle and save time with direct deposit! We'll give you $75* when your qualifying direct deposit posts to your First South account! Plus, get your funds one business day early with Early Pay!

To find out more, give us a call at 901-380-7400 or stop by any of our banking centers.

*Offer valid until 06/30/24 and does not apply to existing First South Financial direct deposits. Must be the full amount of your net pay or benefits and most post by 07/31/24. $75 will be paid 3 to 4 business days after the direct deposit posts. Some types of direct deposits do not qualify. Offer is subject to change or withdrawal without notice. Please see us for complete details. Federally insured by NCUA.


1. Offers valid until 3/31/2024, excludes existing FSF HELOCs, and is subject to change or withdrawal without notice. After 6 months the rate will revert to the one for which you qualify for when the loan closed. APR is based on Prime as listed in the Wall Street Journal plus a margin of up to 2.00%. Maximum LTV is 90% and maximum APR is 18.00%. Home owners insurance is required. Balances cannot be transferred from existing First South Financial loans or credit cards to a First South Financial HELOC.  Loans are subject to approval criteria, not all applicants will qualify. Equal housing opportunity. NMLS# 410640

2. Offers valid until 3/31/24 and are subject to change or withdrawal without notice. Please see us for complete details. 0.00% APR is valid for a period of 12 billing cycles based on the first balance transfer date. After that the rate will convert to the rate for which you qualify. Balance transfers are subject to a per balance transfer fee of $5 or 5% of the balance transfer amount, whichever is greater.  Balances cannot be transferred from existing First South Financial loans or credit cards. Credit cards are subject to approval criteria, not all applicants will qualify. No annual fee. Account Opening Disclosure.

3. Offer is subject to change or withdrawal without notice. Please see us for complete details. A minimum daily balance of $500 is required to avoid a monthly service fee. Balances up to $10,000 will earn the high yield rate, currently 6.25%, and balances of $10,000.01 or higher will earn the standard posted rate, provided all qualifications are met for that month. Monthly recurring direct deposits must total $500 or more, and certain types of direct deposits will not qualify, please see us for details.  ATM transactions (withdrawals, deposits, transfers, inquiries, etc.) are excluded from the required number of minimum debit card transactions. Fees charged by First South Financial for using a non-FSFCU ATM will be refunded, up to $15, at month end if all qualifications are met. For any given month that the qualifications are not met, dividends will be paid based on the standard posted rate and no ATM fees will be refunded. Federally Insured by NCUA.

4. Offer is subject to change or withdrawal without notice. Please see us for complete details.No payments for 90 days valid on new and used auto loan applications now through 3/31/2024.  Maximum term of 72 months. Existing FSFCU loans are not eligible.  Offer not valid on Motorcycles or RV Loans.  Qualifications, standard approval, and interest rates apply. 

 


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