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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
   

0.00% APR FOR 6 MONTHS ON A HOME EQUITY LINE OF CREDIT + up to $500 cash back*

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 80%
  • ABSOLUTELY no points, fees, or closing costs
  • Limits as high as $500,000
  • Easy application and approval process

 Plus, you can get up to $500 cash back when you draw on your HELOC in the first 30 days!*

  • Take $10,000 to $25,000 in total draws and get $100 cash back
  • Take $25,001 to  $50,000 in total draws and get $250 cash back
  • Take over $50,000 in draws and get $500 cash back

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

APPLY NOW

*Offers valid until 09/30/22, 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%. Balances cannot be transferred from existing First South Financial loans or credit cards to a First South Financial HELOC. Cash back offer is valid for HELOCs opened between 6/1/22 and 9/30/22. Cash back offer is based on the total amount of draws taken in the first 30 days and will be paid in 3 to 4 business days after all qualifications are met. Loan must be in good standing to receive cash back. Loans are subject to approval criteria, not all applicants will qualify. Equal housing opportunity. NMLS# 410640


0.00% APR INTRO RATE FOR 12 MONTHS* ON OUR Titanium Edge CREDIT CARD!

Get a First South Financial Titanium Edge card today and you can get 0.00% APR for:

  • Purchases
  • Balance Transfers made in the 1st 90 days
  • Plus get double points for gas and groceries!

APPLY NOW

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!

*Offers valid until 09/30/22 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 card open date or 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 3% 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. 


Refinance or finance your home loan with us today!

Get a visa gift card valued up to $500* when your 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 9/30/22 and does not apply to existing First South Financial mortgage loans or applications in process on or before 7/15/22. If the loan amount is $150,000 or less, the borrower(s) will receive a $250 VISA Gift Card. If the loan amount is over $150,000, the borrower(s) will receive a $500 VISA gift card. 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. Please see us for complete details. Equal Housing Lender. NMLS# 410640 

 


Refer your friends and family members and you'll both get $50 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 $50* when they open an account with us.

To find out more, give us a call at 901-380-7400. Open your account online today!

*Offer valid until 09/30/22. Referred members must pay the $10 membership fee and make the initial $25 deposit. Existing First South Financial members cannot be referred. $50 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 $50!*

Avoid the hassle and save time with direct deposit! We'll give you $50* 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 09/30/22 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 08/31/22. $50 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.


Get up 1% cash back when you refinance with us

Bring your car, truck, boat, motorcycle or RV loan from another lender to us and we'll give you up to 1% cash back when your loan closes!

You can apply online at any time!

Plus, we have options that will allow you to close your loan right from your email's inbox.

So what are you waiting for?

APPLY NOW

*1.00% cash back is capped at $750 per loan and will be paid in 1 to 2 business days after the loan closes.  Offer valid until 09/30/22 and does not apply to existing First South Financial loans. Offers are subject to change or withdrawal without notice. Please see us for complete details. Loans are subject to approval criteria, not all applicants will qualify.


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