Please remember that First South will never call you from our main number, 901.380.7400, and ask you to provide your full Social Security Number, full credit or debit card account number, the code on the back of the card, the expiration date or other pieces of sensitive information, such as any codes or temporary passwords used to reset access to online or mobile banking. We take the safety and security of your personal information very seriously and have many procedures and safeguards in place to keep your information safe and secure. 

PLEASE NOTE: Our Cordova banking center will be temporarily closed on Saturday, April 1, 2023. Please visit our locations and hours page to find the banking center closest to you. We apologize for any inconvenience and appreciate your patience.

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Student Loans

Worry lesS about college funding

focus on your future

Secure funding for your entire undergraduate career with just one application*!

Take advantage of the great rates and terms for our educational loans.


Pay for Undergraduate or Graduate studies

With our private education line of credit, you can secure funding for your entire undergraduate career with just one application!* In future academic years, simply request funds from your line (called a “draw”) for the amount you need – no need to reapply! And with convenient repayment terms and in-school deferment, we’ll help you successfully manage repayment after college. As a local, not-for-profit credit union, we’ve got your best interests in mind.


Refinance and consolidate private and federal student loans

Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.**


Take advantage of the many resources and personalized support offered by Student Choice and First South Financial

Our Student choice site has FAQs, Financial Wellness Tools, a College Counselor, Articles and more! Plus, you can get support for your application process and student lending questions.


To find out more, please visit our Student Choice site or call 844-627-4307.


* Subject to credit qualification and annual credit review. Must meet school's Satisfactory Academic Progress (SAP) requirements.
** Subject to credit qualification and additional criteria, including graduating from an approved school. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.

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