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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 06/30/22, 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 4/1/22 and 6/30/22. 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

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 06/30/22 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. 


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

REFINANCE NOW FOR ONLY $1500* IN CLOSING COSTS!

Lock in a great low rate 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

 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 06/30/22. 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 06/30/22 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.


Special offers for qualified borrowers

please check our auto loan specials page for current rates

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

*Offers are  for well qualified buyers with a credit score of 720 or higher. Offers valid until 06/30/22 and do not apply to existing First South Financial loans. Offers and rates are subject to change or withdrawal without notice. Please 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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