|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First South Financial Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
First South Financial Credit Union's 5-Month CD Special rates are at 4.10%, 5-Month CD rates are at 3.85%, 5 Month CD rates are at 3.81%, 7 Month Traditional IRA rates are at 3.60%, 7-Month IRA rates are at 3.60%. First South Financial Credit Union's Credit Card Rates are at 19.99%. MonitorBankRates evaluates the financial stability of First South Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates last updated and verified on 09/22/2026. First South Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First South Financial Credit Union? Share your experience about First South Financial Credit Union by leaving a review below, or read customer reviews before you decide to use First South Financial Credit Union. First South Financial Credit Union
Bartlett - Administration 2723 Summer Oaks Dr
https://www.firstsouth.com Bartlett, TN 38134 
First South Financial Credit Union CD Rates
First South Financial Credit Union Checking Rates
First South Financial Credit Union Credit Card Rates
First South Financial Credit Union Other Rates
Financial Health HistoryFirst South Financial Credit Union’s Texas Ratio stayed near 0.62% in Q3 2024 to 0.41% in Q1 2026, so its financial health has stayed very strong over the past 7 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First South Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First South Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First South Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First South Financial Credit Union
Website
https://www.firstsouth.com
Address
2723 Summer Oaks Dr,
Bartlett, TN 38134
Phone
901-380-7400
Fax
901-380-7320
President
Thomas Dean Jr
CEO
W. Craig Esrael
Full-Time Employees
136
Part-Time Employees
1
Branch Locations
15
ATM Locations
15
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.41%
Return on Assets (ROA)
0.4651%
Return on Equity (ROE)
1.5467%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
834,528,358
Total Amount of Shares and Deposits
571,806,202
Total Shares and Deposits < 1 Year
564,823,455
Total Shares and Deposits 1 3 Years
5,145,713
Total Shares and Deposits > 3 Years
1,837,034
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
68,854,130
Total Uninsured Shares and Deposits > $250K (F+J)
68,854,130
Total Insured Shares and Deposits > $250K (item 17 less item K)
502,952,072
Total Interest Expense (Sum of items 6 8)
1,583,572
Share Certificates
2,492
Number of Accounts for Share Drafts
19,898
IRA KEOGH Accounts
834
Number of Accounts for Regular Shares
80,432
All other shares
22
Non Member Deposits
2
Money Market Shares
1,177
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
343,656,341
Total Liabilities
583,597,246
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for First South Financial Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for First South Financial Credit Union
Frequently Asked Questions About First South Financial Credit UnionHow many branches does First South Financial Credit Union operate?First South Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First South Financial Credit Union?Yes, to access services at First South Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First South Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First South Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First South Financial Credit Union offer online and mobile banking?Most modern institutions like First South Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstsouth.com. Current First South Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Hardin County Hospital Employees Credit Union
Fort Peck Community Federal Credit Union
United Federal Credit Union
Rim Country Federal Credit Union
Dillards Federal Credit Union
PEOPLES TRANSPORT
Galveston Government Employees Credit Union
Affinity One Federal Credit Union
Northwest Consumers Federal Credit Union
EM Federal Credit Union
Northwest Missouri Regional Credit Union
Lisbon Farmers Union Credit Union
KeyPoint Credit Union
Natco Employees Federal Credit Union
Heartland Credit Union Hutchinson, KS
Lakes Federal Credit Union
L and N Federal Credit Union
Minerva Area Federal Credit Union
Sloan Public Schools Federal Credit Union
Marine Credit Union
Rincones Presbyterian Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
