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Credit union · NCUA insured

First South Financial Credit Card Rates

First South Financial credit cards start at 13.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.

How First South Financial’s credit card rates compare

Compared with banks and credit unions near Memphis, TN-MS-AR, where First South Financial has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    First South Financial

    13.00%APR

    Up to
    18.00% APR

    Fresh Start Visa Platinum

  • Top Carrot, Carrot Score 98

    Lowest rate

    LGWFCU

    7.90%APR

    Up to
    16.90% APR

    LGWFCU rates

  • Top Carrot, Carrot Score 96

    2nd-lowest rate

    Memphis City Employees Credit Union

    7.90%APR

    Up to
    16.90% APR

    Memphis City Employees Credit Union rates

Compare credit card rates near you →

First South Financial credit card score

66

Credit card score

Higher than 17% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR13.00%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where First South Financial ranks

By credit card score, in each area where it has branches

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

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.

Visit institution website ↗Branches and institution details
← First South Financial overview