--- title: "First South Financial Credit Union Rates (Nov 2026): CDs to 3.03%" description: "First South Financial Credit Union rates today: savings & CDs up to 3.03% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join First South Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/first-south-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First South Financial Credit Union Rates (Nov 2026): CDs to 3.03% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Vehicle Loans (New & Used Autos)** auto_any_84mo | — APR | 5.090% | 84 mo · any | Standard | | **144-Month RV Loan** rv_any_144mo | — APR | 10.100% | 144 mo | Standard | | **Vehicle Loans (Boats & Motorcycles)** boat_any_84mo | — APR | 10.350% | 84 mo | Standard | First South Financial Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Vacation Loan** personal | — APR | 12.000% | — | Standard | | **Personal/Unsecured Loan** personal_unsecured | — APR | 14.750% | — | Standard | | **Personal/Unsecured Line of Credit** ploc_variable | — APR | 14.750% | — | Standard | First South Financial Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 21 offers | Product | Published | Rate | Term / condition | Status | | **30-Month Certificate** cd_30mo | — APY | 1.15% | 30 mo | Standard | | **CDs (Certificates) and IRAs (30 Months)** ira_cd_30mo | 1.16% APY | 1.15% | 30 mo | Standard | | **3-Month Certificate** cd_3mo | — APY | 1.64% | 3 mo | Standard | | **Build IT CDs (3 Months)** cd_3mo | 1.64% APY | 1.64% | 3 mo | Standard | | **Build IT CDs (6 Months)** cd_6mo | 1.80% APY | 1.81% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 1.81% | 6 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 1.83% | 24 mo | Standard | | **CDs (Certificates) and IRAs (24 Months)** ira_cd_24mo | 1.84% APY | 1.83% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 1.98% | 36 mo | Standard | | **CDs (Certificates) and IRAs (36 Months)** ira_cd_36mo | 2.00% APY | 1.98% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 2.00% | 48 mo | Standard | | **CDs (Certificates) and IRAs (48 Months)** ira_cd_48mo | 2.02% APY | 2.00% | 48 mo | Standard | | **CDs (Certificates) and IRAs (3 Months)** ira_cd_3mo | 2.18% APY | 2.16% | 3 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 2.47% | 18 mo | Standard | | **CDs (Certificates) and IRAs (18 Months)** ira_cd_18mo | 2.50% APY | 2.47% | 18 mo | Standard | | **CDs (Certificates) and IRAs (6 Months)** ira_cd_6mo | 2.98% APY | 2.96% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.00% | 12 mo | Standard | | **CDs (Certificates) and IRAs (12 Months)** ira_cd_12mo | 3.03% APY | 3.00% | 12 mo | Standard | | **7 Month Traditional IRA** ira | — APY | 3.55% | 7 mo | Standard | | **5-Month Certificate** cd_5mo | — APY | 4.15% | 5 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 4.18% | 13 mo | Standard | First South Financial Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.03% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/first-south-financial) , verified from [First South Financial Credit Union's official website](https://www.firstsouth.com/) Loading branch locator… ## About First South Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 71.3K Assets $834.5M Founded 1957 Locations reported 16 NCUA charter 24963 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**L G & W** L G & W FCU · Memphis · TN · 38134 Branch in the same ZIP](https://rateapi.dev/credit-unions/tennessee/l-g-w) [**Memphis City Employees** Whitten · Memphis · TN · 38133-7001 About 1.4 miles away](https://rateapi.dev/credit-unions/tennessee/memphis-city-employees) [**F A A** Main Office-Admin Site · Cordova · TN · 38016 About 2.1 miles away](https://rateapi.dev/credit-unions/tennessee/f-a-a) [**Methodist Healthcare** Operations · Cordova · TN · 38016 About 2.1 miles away](https://rateapi.dev/credit-unions/tennessee/methodist-healthcare) [**Leaders Credit Union** Bartlett · Bartlett · TN · 38134-3857 About 2.1 miles away](https://rateapi.dev/credit-unions/tennessee/leaders-credit-union) [**Southern Security** Robinwood · Bartlett · TN · 38134 About 2.2 miles away](https://rateapi.dev/credit-unions/tennessee/southern-security) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join First South Financial Credit Union Membership eligibility from First South Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First South Financial Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [First South Financial Credit Union's membership page](https://www.firstsouth.com/) . Final membership determination is always made by the credit union. ## Work at First South Financial Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First South Financial Credit Union ranks against Tennessee peers. - See which AI assistants fetched First South Financial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-south-financial&state=tennessee&code=TN&name=First%20South%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First South Financial Credit Union offer? First South Financial Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are First South Financial Credit Union rates updated? RateAPI verifies First South Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get First South Financial Credit Union's rate data? Rate data is collected directly from First South Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is First South Financial Credit Union's best CD rate? As of November 12, 2026, First South Financial Credit Union offers savings and certificate (CD) yields up to 3.03% APY. ### Who can join First South Financial Credit Union? First South Financial Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare First South Financial Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.firstsouth.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First South Financial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First South Financial Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /first-south-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First South Financial Credit Union locations Search, filter, and browse all 16 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/first-south-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp