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iAdvertiser Disclosure
Advertiser Disclosure
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 First South Financial Credit Union Rates & Review April 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: April 19, 2026
First South Financial Credit Union's 5 Month CD rates are at 4.00%, 12 month CDs (CDs) and IRAs rates are at 2.74%, 6 month CDs (CDs) and IRAs rates are at 2.50%, 18 month CDs (CDs) and IRAs rates are at 2.25%, 3 month CDs (CDs) and IRAs rates are at 2.18%. 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 0.73%. Rates were last updated on 04/19/2026. 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
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
Deb Ross
CEO
W Craig Esrael
Full-Time Employees
132
Part-Time Employees
0
Branch Locations
15
ATM Locations
16
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
0.73%
Return on Assets (ROA)
0.6216%
Return on Equity (ROE)
2.1163%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
772,535,416
Total Amount of Shares and Deposits
542,189,179
Total Shares and Deposits < 1 Year
532,961,681
Total Shares and Deposits 1 3 Years
6,321,722
Total Shares and Deposits > 3 Years
2,905,776
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,150,002
Total Uninsured Shares and Deposits > $250K (F+J)
52,150,002
Total Insured Shares and Deposits > $250K (item 17 less item K)
490,039,177
Total Interest Expense (Sum of items 6 8)
1,079,682
Share Certificates
2,123
Number of Accounts for Share Drafts
21,465
IRA KEOGH Accounts
900
Number of Accounts for Regular Shares
80,816
All other shares
26
Non Member Deposits
4
Money Market Shares
1,278
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
201,827,151
Total Liabilities
558,991,562
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About First South Financial Credit UnionIs First South Financial Credit Union a safe place to deposit money?Yes, First South Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 0.72688039798964%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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.
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