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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

check out our latest CD and IRA special!*

CD (Certificate) and IRA Specials
Effective Date: Monday, February 6th, 2023
NameTermminimum to openRateAnnual Percentage Yield
13 Month Certificate 13 months $5,000 2.960% 3.00%
25 Month Certificate 25 months $5,000 3.203% 3.25%
13 Month Traditional IRA 13 months $5,000 2.960% 3.00%
25 Month Traditional IRA 25 months $5,000 3.203% 3.25%

*APY = Annual Percentage Yield. Minimum deposit amount of $5,000.00. At maturity the 25 month CD or IRA will convert to an 18-month certificate or IRA at our standard posted rates.  At maturity 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 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. 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: Monday, February 6th, 2023
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%^
91% to 95% LTV up to 20 years/12 year draw period Not Available At This Time


0.00% APR INTRO RATE FOR 12 MONTHS ON OUR Titanium Edge CREDIT CARD!2

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 retails purchases

APPLY NOW

Credit Card Rates
Effective Date: Monday, February 6th, 2023
NameAPR
Titanium/Edge 16.25% APR to 24.25% APR*
Platinum Flex/Rewards 14.25% APR to 22.25% APR*
Platinum Advantage 12.25% APR to 20.25% 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 03/31/23 and does not apply to existing First South Financial mortgage loans or applications in process between 1/1/23 and 3/31/23. 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 $75 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 $75* 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 3/31/23. Referred members must pay the $10 membership fee and make the initial $25 deposit. Existing First South Financial members cannot be referred. $75 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 3/31/23 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 5/31/2023. $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.


1. Offers valid until 3/31/23, 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 3/31/23 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. Titanium Edge Disclosure Flex Rewards Visa Platinum Disclosure Platinum Advantage Disclosure

 


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