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Guaranteed best rates on CDs, Car Loans, and Mortgages!

check out these two great rate specials

CD Rate Special 2.55% APY on a 16 month CD with a new checking account or 2.35% APY without a checking account Mortgage Rate Special 3.90% on a 10 year fixed rate or 4.25% on a 15 year fixed rate

These two great specials won't last long!

Visit our Guaranteed Best CD Rates Specials page or our Guaranteed Best Mortgage Rates Specials page for complete details!

We'll beat your bank's rate

First South has the best rates on Mortgages, CDs, and Car Loans in town. Guaranteed.

And if you do find a bank or credit union with a better rate, we'll beat it!**

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

Now is the time - act today!

*These offers are effective as of 9/12/18 and expires on 10/15/2018. $5,000 minimum opening balance required. Offers do not apply to funds currently on deposit with First South Financial or to existing First South Financial checking accounts. Early withdrawal penalties do apply. At maturity, the 16-month CD or IRA will convert to a 12-month term at our standard posted rates. Please consult your tax advisor in regards to your eligibility to open an IRA. 3.900% APR is for a 10-year fixed-rate first mortgage with an LTV of 95% or less. Payments are approximately $10.08 per $1,000 borrowed and does not include taxes, insurance and prepaid interest, your payment may be different. 4.250% APR is for a 15-year fixed-rate first mortgage with an LTV of 95% or less. Payments are approximately $7.53 per $1,000 borrowed and does not include taxes and insurance, your payment may be different. Prepaids like taxes, insurance and unpaid interest are not closing costs. Borrowers must have a credit score of 740 or higher and meet all other approval criteria in order to receive these special rates. Not all applicants will qualify. Offers do not apply to existing First South Financial loans.  Other rates and terms are available. Offers are subject to change or withdrawal without notice. Please see us for complete details. Federally insured by NCUA. Equal Housing Lender.

**Offer valid only for currently advertised rates of commercial banks and credit unions headquartered in Memphis, Dyersburg, or Jackson, TN. Offers and rates are subject to change or withdrawal without notice. For complete details of the guaranteed best CD and IRA rates offer, please click here. For complete details of the guaranteed best mortgage rates offer, please click here. For complete details of the guaranteed best car loan rates offer, please click here. Loans are subject to approval criteria, not all applicants will qualify. Minimum credit score of 700 required. Cannot be combined with other offers. $50 will be paid if there is a completed and approved loan application on file, all guidelines and criteria are met, and we choose not to beat the rate. $50 will be mailed to you within 14 business days from completing the Redemption Form, which is available at our banking centers. Equal Opportunity and Equal Housing Lender. Federally insured by NCUA.

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