Credit union · NCUA insured
First South Financial CD Rates
First South Financial’s best CD rate is 3.03% APY on a 1-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 15, 2026.
How First South Financial’s CD rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where First South Financial has the most branches. $10,000, best rate first.
This credit union’s best
First South Financial
3.03%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $303
Certificates
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
2nd-highest rate
UT Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $246
First South Financial CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.98%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.03%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First South Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
5 Month Certificate
Up to 4.20%APY · 1 term
Minimum deposit amount of $1,000.00. Max deposit amount of $250,000 for 5-month certificate. Offer subject to change at any time. New members must pay the $10 one-time membership fee and make the initial $25 deposit into a savings account. At maturity, the full certificate balance will revert to a 6-month certificate at our standard posted rate. Early withdrawal will incur significant penalties. 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. Not available to banks, credit unions, brokered deposits, or other financial institutions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsMembers who do not meet either qualifying requirement will earn the standard promotional rate of 3.95% APY (3.91% dividend rate). New members must pay the $10 one-time membership fee and make the initial $25 deposit into a savings account | 3.95% | $163 |
| 5 monthsValid for the 5-month term when you qualify by either (1) depositing $15,000 or more in new money, or (2) having a new or existing First South Financial checking account. New members must pay the $10 one-time membership fee and make the initial $25 deposit into a savings account | 4.20% | $173 |
Sources (2)
- firstsouth.com/investments/certificate-of-deposit
- firstsouth.com/checking-and-sa…nd-iras/cd-rate-specials
All captured Oct 15, 2026
Certificates
Up to 3.03%APY · 8 terms
Early withdrawals from CDs will incur substantial penalties. Fees could reduce earnings on some accounts. Additional deposits are permitted to share certificates up to 10 days after open/renewal date. The minimum required to open is the same as the minimum required to earn corresponding interest. Monthly Interest / Monthly Check - Posted rate less .20% APY. All rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.18% | $54 |
| 6 months | 2.98% | $148 |
| 12 months | 3.03% | $303 |
| 18 months | 2.50% | $377 |
| 24 months | 1.84% | $371 |
| 30 months | 1.16% | $293 |
| 36 months | 2.00% | $612 |
| 48 months | 2.02% | $833 |
Sources (1)
- firstsouth.com/investments/certificate-of-deposit · captured Oct 15, 2026
Build-it CD
Up to 1.80%APY · 2 terms
Save for a multitude of life events in a manner that's easy for you with First South Financial's Build-it CD product. This 3- or 6-month CD allows you to make deposits into the CD at any time, not just at maturity. It only requires $100 to open and earns the same rates as our regular CDs for the same term. Build IT CDs can accept additional deposits at any time via direct deposit, a branch transaction, or ACH. Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details.Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.64% | — |
| 6 months | 1.80% | — |
Sources (1)
- firstsouth.com/investments/certificate-of-deposit · captured Oct 15, 2026
Special-purpose accounts
7 Month Traditional IRA
3.60%APY · 1 term
Promotional rates are subject to change or withdrawal without notice. Restrictions apply to the 5- month and 7-month CD and IRA specials as well as Guaranteed Best Rates . Please see us for complete details. Funds are federally insured up to $250,000 by the NCUA. Please see us for complete details.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 3.60% | $208 |
Sources (1)
- firstsouth.com/investments/certificate-of-deposit · captured Oct 15, 2026
IRA Certificates
Up to 3.03%APY · 8 terms
APY = Annual Percentage Yield. Monthly Interest / Monthly Check - Posted rate less .20% APY. Early withdrawals from CDs and IRAs will incur substantial penalties. Fees could reduce earnings on some accounts. Additional deposits are permitted to share certificates up to 10 days after open/renewal date. The minimum required to open the above accounts is the same as the minimum required to earn corresponding interest except IRAs - minimum opening balance is $100.00. All rates subject to change without notice. Call 901.380.7400 for current rate information.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.18% | $54 |
| 6 months | 2.98% | $148 |
| 12 months | 3.03% | $303 |
| 18 months | 2.50% | $377 |
| 24 months | 1.84% | $371 |
| 30 months | 1.16% | $293 |
| 36 months | 2.00% | $612 |
| 48 months | 2.02% | $833 |
Sources (1)
- firstsouth.com/investments/certificate-of-deposit · captured Oct 15, 2026
Who can join First South Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.