IMPORTANT SECURITY REMINDER - Don't be tricked into giving a scammer your information! 
Scammers can spoof phone numbers to make calls or texts look like they are coming from us, and they may ask for information such as your online/mobile banking login information, temporary passwords, verification codes, or your 16-digit card number and PIN. PLEASE REMEMBER - WE WILL NOT CALL OR TEXT YOU AND ASK FOR THIS INFORMATION. If you think you may have provided sensitive information to a scammer, please contact us at 901.380.7400, stop by your closest banking center, or send us a message via online or mobile banking so we can assist you. If you receive a call or text and are unsure if it legitimate, please hang up/do not text back and contact us.

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Refer your friends and family and you'll both get $50 when they join!*

0% Interest for 12 months | First South Financial

No Tricks, Just Transfers! 0% APR* for 12 Months on Balance Transfers!

Apply TodayBecome a Member

Apply & get approved for the Platinum Advantage Visa®

Why You’ll Love It:

  • 0% Intro APR on balance transfers for 12 months

  • Consolidate high-interest credit card debt into one manageable, interest-free monthly payment

  • Keep more of your money working for you — not your old card issuer

Best for: Members with existing credit card balances looking to eliminate interest payments and pay down debt faster.

Example: Transfer a $5,000 balance from a high-interest card and pay $0 in interest for 12 months — that’s hundreds saved in just one year!

The Power to Choose Is Yours

How to Get Started:

  1. Choose your card based on your financial goals

  2. Apply online in minutes

  3. Get approved and start saving or earning rewards immediately

Start saving. Start earning. Start winning with the right Visa® credit card today.

Apply Now– It’s fast, secure, and there’s no obligation.

Credit Card Rates
Effective Date: Saturday, October 4th, 2025
NameAPR
Titanium/Edge 17.25% APR to 18.00% APR*
Platinum Flex/Rewards 15.25% APR to 18.00% APR*
Platinum Advantage 13.25% APR to 18.00% APR*

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

Apply TodayBecome a Member

*APR = Annual Percentage Rate. Offer valid until 12/31/2025 and is subject to change or withdrawal without notice. Buy Now Pay Later is subject to credit qualification. 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. Please see us for complete details. Application and solicitation disclosure.

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