Join First South Financial for Guaranteed Best CD Rates!
Take advantage of our Guaranteed Best Rates for terms under 12 months!
Find a better rate on the same term and we will beat it!*
Found a better CD rate?
Bring it to us. If it’s the same term, we’ll beat it by 0.05%.
If we can’t? You get $25.
Stop settling. Start earning more.
Earn More and Worry Less. First South has the best savings rates in Tennessee.
At First South, we believe you shouldn’t have to shop endlessly for the best return on your money or settle for less. That’s why we’ve introduced a bold promise designed with your financial future in mind. If you find a rate better than our industry-leading returns, we’ll beat any advertised CD rate from other credit unions or banks. Guaranteed.*
Whether you’re planning for retirement, saving for a major milestone, or simply growing your nest egg, high-return CDS from First South ensure you maximize your yield without the hassle.
Our low-minimum CD account options offer competitive interest rates and strong annual percentage yields (APYs) on a variety of deposit accounts, all with a low minimum opening deposit. To become a member, click the Start Saving button below.
How It Works
Check our rates online. Find one better? We’ll beat it!
- Bring Us a Better Rate
If you find a higher advertised CD or IRA rate from another financial institution, share the details with us - online, in-branch, or over the phone. - We Verify the Offer
Our team quickly reviews the rate to confirm it meets the eligibility criteria.- Same deposit amount and term.
- Offer valid for rates of commercial banks and credit unions headquartered in Memphis, Dyersburg, Jackson, or Nashville.
- Tangible proof of rate, term and deposit amount is required.
- We Beat It
Once verified, we’ll match and beat that rate - so you earn more from day one.
No gimmicks. No complicated hoops. Just a straightforward commitment to helping your money grow faster.
Lock In Your Higher Rate Today
Why settle for “good enough” when you can have the best? Take advantage of the best savings rates in Tennessee and start earning more on your CD or IRA today. Whether you’re opening a new account or transferring funds from another institution, we make the process fast, simple, and rewarding.
Get Started Now:
- Check our current rates.
- Stop by any of our banking centers. First South Financial Locations.
- Call us at 901-380-7400. Contact Us.
- Open an account online.
The Strongest Financial Institution in Tennessee
The Strongest Financial Institution in Tennessee When you open a high-yield CD or IRA with us, you’re banking at one of the top 1% of financial institutions in the country. Our strength and stability is unbeatable in the region. 31 years of 5-star Bauer’s ratings, a Perfect 300 from IDC - 30 years and counting, A+ from Weiss Ratings. Learn more.
When rates fluctuate and offers come and go, it's hard to know whether you’re truly getting the best deal on CDs and IRAs. That’s where First South comes in. We're built for savvy planners who want the best return without the worry. You’ve done the research. Now let us do the work.
A Smart Move This Spring
There’s no better time to refresh your savings strategy. With a 4.00% APY* guaranteed rate and a short 5-month term, you can take advantage of today’s strong returns while keeping your funds accessible sooner.
Add an Extra Boost to Your Savings
Open a 7-Month IRA and earn 3.60% APY*!
Not a member? Not a problem.
Opening an account is fast, simple, and can be done entirely online. Click Start Saving below or stop by any First South Financial location with your:
- Government-issued ID
- Social Security number
- Proof of address
Our team will help you find the account that’s right for you and get you started on your financial journey.
Why Choose First South?
Higher Earnings, Guaranteed
Never miss out on competitive returns. We’re committed to staying ahead so your savings achieve maximum growth!
Banking with Friends
As a credit union, we exist to serve our members - not shareholders. We firmly prioritize the needs and aspirations of our customers above all else.
Strength and Stability
Our financial strength and stability allow us to be agile, flexible, and creative to customize solutions that meet your needs. Your future deserves more than average. Build wealth faster with First South.
Bring us a qualifying rate. We’ll beat it. It’s that simple.
Call us today at 901-380-7400 or stop by any of our banking centers today!
*Offer valid only for currently advertised rates of commercial banks headquartered in our local markets. We will beat a qualifying competitor’s rate on the same term and deposit amount by 0.05%. If we are unable to beat the competitor’s rate, we will provide a $25 incentive. Competing CD or IRA must match 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 eligibility to open an IRA. Cannot be combined with other offers. Offer subject to change or withdrawal without notice. Please see us for complete details. Federally insured by NCUA.
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