We'll Beat Your Bank's Rate

First South has the best rates in town on CDs and IRAs. Guaranteed.

Plus, when you open a CD or IRA with us you'll also be banking with one of the strongest institutions in the nation.

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

Explore the best CD rates at First South Financial and grow your savings with a secure share certificate of deposit (CD) designed to fit your goals. Our 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. Each CD earns simple interest and has a clear maturity date, after which your CD matures and enters a convenient grace period—giving you time to decide your next move. Keep in mind that CDs will automatically renew if no action is taken, and withdrawing funds before maturity may result in an early withdrawal penalty.

Now is the time to invest in your future, so act fast! 

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 and credit unions headquartered in Memphis, Dyersburg, Jackson, or Nashville TN. Beat the rate offer is only for CDs and IRAs with the same deposit amount and term as our current CDs and IRAs. The maximum term for the Guaranteed Best CD and IRA rates promotion is 24 months. 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 your eligibility to open an IRA. Cannot be combined with other offers. Offer is subject to change or withdrawal without notice. Please see us for complete details. Federally insured by NCUA.