Bank · FDIC insured
First Southern Bank Credit Card Rates
First Southern Bank credit card rates start at 11.25% APR. Rates checked October 22, 2026.
How First Southern Bank’s credit card rates compare
Compared with banks and credit unions near Florence, AL, where First Southern Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First Southern Bank
– –
No ongoing APR published
Lowest rate
Florence Federal Credit Union
8.99%APR
2nd-lowest rate
TVA Community Credit Union
9.95%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back Rewards Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | $35 | 0% intro APR on purchases and balance transfers for the first 7 billing cycles after account opening. |
| Ongoing | 11.25% | $35 | 11.25% APR based on Prime Rate; rates will vary based on the Prime Rate. Annual Percentage Rate (APR) based on Wall Street Journal Prime Rate. |
Sources (1)
- firstsouthern.com/personal/personal-credit-card · captured Oct 7, 2026
Platinum Benefits Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% intro APR on purchases for the first 7 billing cycles after account opening. Regular APR based on Wall Street Journal Prime Rate. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- firstsouthern.com/personal/personal-credit-card · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.