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!*

CD and IRA Rate Specials | 4-Month CD earns 4.25% or a 7-Month IRA earns 4.50%

Reach your savings faster.

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Take advantage of these great offers today!

  • OPEN A 4-MONTH CERTIFICATE AND EARN 4.25% APY*!
  • Open A 7-MONTH IRA AND EARN 4.50% APY*!

Let your money work harder for you by opening a Certificate (CD) or Traditional IRA with First South Financial, one of the strongest financial institutions in the nation.

You can open your Certificate (CD) or IRA by calling us at 901.380.7400 or by visiting any banking center.

And if you don't already bank with us, you can start a relationship with us in just minutes! 

Open an accountBecome a MemberCurrent rates

Call us at 901-380-7400 or stop by any of our banking centers today!

CD (Certificate) and IRA Specials
Effective Date: Saturday, September 27th, 2025
NameTermMinimum to openDividend RateAnnual Percentage Yield
4 Month Certificate 4 months $5,000 4.18% 4.250%
7 Month Traditional IRA 7 months $5,000 4.26% 4.500%

*APY = Annual Percentage Yield. Minimum deposit amount of $5,000.00. Offer subject to change at anytime. 4.250% Annual Percentage Yield (APY)/4.184% dividend rate is valid for the 4-month term. At maturity the full certificate balance will revert to a 3-month certificate at our standard posted rate. 4.500% Annual Percentage Yield (APY)/4.426% dividend rate is valid for the 7-month term for Traditional IRA accounts. At maturity the full balance will revert to a 6-month IRA at our standard posted rate. Cannot be combined with any other promotional certificate offer. Other rates and terms are available. Federally insured by NCUA. Offer subject to change or withdrawal without notice, please see us for complete details.

First South Financial is headquartered in Bartlett, TN with convenient banking centers in Tennessee and Mississippi.

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