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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*

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

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

APPLY NOW

*Offer valid until 09/30/21 and is subject to change or withdrawal without notice, please see us for complete details. Does not apply to existing First South Financial home equity lines of credit (HELOC) or home equity loans. 0.00% APR is valid for 6 months. After 6 months the rate  will convert to our standard posted rate for which you qualify, which is based on Prime plus a margin. Maximum LTV is 80%. 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 lender.


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

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 09/30/21 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. 


THINK IT'S TOO LATE TO REFINANCE? THINK AGAIN!

REFINANCE NOW FOR ONLY $1500* IN CLOSING COSTS!

Lock in a great low rate of 2.250% APR and start saving sooner with our Fast Closing Guarantee! Close within 15 days of final approval or pay ZERO closing costs. 

Have a Home Equity Line of Credit? Now is the perfect time to lock it into a low fixed rate loan.

  • Easy application and closing process
  • We are a full-service mortgage lender
  • Apply securely online at any time from anywhere

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

APPLY NOW

*2.250% APR is for a 10-year fixed-rate first mortgage refinance of the borrower’s primary residence with an LTV of 70% or less. Payments are approximately $9.32 per $1,000 borrowed and does not include taxes and insurance. If the loan does not close within 15 business days of final approval, the $1500 will not be collected from the borrower(s). Offer not valid for purchases or for existing First South Financial loans. Loans are subject to credit 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. 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 09/30/21. 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!

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

*Offer valid until 09/30/21 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 11/31/21. $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.


Special offer for qualified borrowers - 1.99% APR FOR UP TO 36 MONTHS OR 2.50% APR* for 37 to 60 months or 3.25% APR* for 61 to 78 months!

Plus, no payments for 60 days!

These offers are valid for purchases and refinances, so if you want to bring your auto loan you have elsewhere to us or if you're in the market for a new or new to you vehicle, we've got you covered!

We have an easy application process and our professional staff will work with you to ensure the entire process goes smoothly and your loan closes as quickly as possible. 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

*1.99%APR is for a new or used or refinanced vehicle loan with a term up to 36 months. Payments are approximately $28.64 per $1,000 borrowed for a 36-month term. 2.50% APR is for a new or used or refinanced vehicle loan with a term of 37 to 60 months. Payments are approximately $17.75 per $1,000 borrowed for a 60-month term. 3.25% APR is for a new or used or refinancing vehicle loan with a term of 61 to 78 months. Payments are approximately $14.42 per $1,000 borrowed with a 78 month term.  Offers are  for well qualified buyers with a credit score of 720 or higher. Minimum loan amount is $35,000 for a term of 61 to 78 months. Offers valid until 09/30/21 and do not apply to existing First South Financial loans. Offers are subject to change or withdrawal without noticePlease see us for complete details. Other rates and terms are available. Loans are subject to approval criteria, not all applicants will qualify


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