First South Financial Southaven MS Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to First South Financial, your trusted community partner in Southaven, Mississippi! Located conveniently at 185 Goodman Rd W, we have been serving our members since 1957 with a commitment to financial wellness and community support. As a proud credit union, we prioritize the needs of our 72,145 members, offering a range of services designed to empower you on your financial journey. At First South Financial, our total assets stand at an impressive $758,451,250, demonstrating our stability and reliability. We currently manage $182,228,745 in deposits and have extended over 26,395 loans to our valued members. With a net worth of $237,033,751, we are well-equipped to provide you with the financial resources you need. Our dedicated team of 128 employees is led by CEO W. Craig Esrael and Board President Deb Ross, who work tirelessly to ensure that every member feels valued and supported. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business services including merchant solutions and business loans, we are here for you. While members can visit us at our branch in Southaven for all your banking needs, official correspondence should be sent to the same address: 185 Goodman Rd W, Southaven, MS 38671-9033. With easy access to online and mobile banking services and friendly staff ready to assist you, we encourage you to reach out today! Call us at 662-536-1880 or explore our website at First South Financial for more information on how we can help you achieve your financial goals. Join us in building a brighter future together!

Branch History & Mission

At First South Financial, we take pride in our rich legacy that has been a part of the Southaven community since our doors first opened in 1957. Located at 185 Goodman Rd W, Southaven, MS 38671, our branch has grown alongside its members, becoming a trusted partner for financial services and community support. Over the years, we have built strong relationships with our members, leading to a thriving membership of over 72,000 individuals who rely on us for their banking needs. Our mission is simple yet impactful: to empower our members by providing exceptional financial services while fostering community growth. We believe that when our members succeed, so does the community around us. This ethos drives everything we do from offering personal banking solutions like checking and savings accounts to providing auto loans, mortgage options, and business banking services. As we evolved through the decades, we embraced advancements in technology to serve you better. Our commitment to digital banking allows members to manage their finances conveniently via online and mobile platforms. We also ensure accessibility for all by adhering to ADA compliance standards. In addition to our standard offerings, we actively engage in community outreach programs and partnerships that uplift those around us. We understand that a strong community is built on collaboration and support. Whether it's through local events or educational initiatives, First South Financial is dedicated to making a positive difference in Southaven. While members can visit us at our branch location, official correspondence should be sent to 185 Goodman Rd W, Southaven, MS 38671-9033. Our friendly team is available during operating hours from 8:30 AM to 5:00 PM Monday through Thursday, and until 6:00 PM on Fridays for lobby access. For your convenience, we also offer drive-thru services and ATM availability. We invite you to join First South Financial today and experience the benefits of being part of a credit union that truly cares about its members and their financial well-being. Together, let's build a stronger future for you and our community! For any inquiries or further assistance, feel free to call us at 662-536-1880 or visit us online at firstsouth.com.

Branch Location & Accessibility

Convenient Access for Everyone

Our branch is designed with accessibility in mind. We offer ADA-compliant features, including ramps and accessible parking spaces, ensuring that everyone can visit us comfortably. Plus, we have ample parking available right outside our doors, making it hassle-free for you to drop in. While members can visit us at 185 Goodman Rd W, official correspondence should be sent to our mailing address at 185 Goodman Rd W, Southaven, MS 38671-9033.

Let’s Connect!

Ready to experience banking done differently? Whether you're looking for financial advice or simply need assistance with your account, our friendly team is here to help! Feel free to call us at 662-536-1880 or visit us today at First South Financial. We're excited to welcome you into our community!

Operating Hours Tailored for You

At First South Financial, we understand that life can get busy. That's why we're here for you during convenient hours. Our lobby is open from 8:30 AM to 5:00 PM Monday through Thursday and until 6:00 PM on Fridays. For those who prefer drive-thru services, we're open with the same schedule during the week and even have Saturday hours from 9:00 AM to 1:00 PM to accommodate your needs.

Services That Make Banking Easy

We offer a variety of services designed to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Need quick cash? Our ATM service is available for easy withdrawals and balance checks anytime. If you're looking for convenience, our drive-thru banking allows you to handle deposits and simple transactions without leaving your vehicle.

Member Eligibility

Joining First South Financial is like becoming part of a close-knit community where your financial well-being matters. To become a member, you simply need to meet some friendly eligibility criteria, which often include living or working in the local area, being related to an existing member, or being part of certain organizations. This means that many people can easily join and start enjoying the benefits! Once you're a member, you'll gain access to great services like competitive loan rates, personalized banking support, and even online tools to manage your finances conveniently. For more detailed eligibility information, feel free to check out our website at . If you have any questions or want to get started on your membership journey, don't hesitate to call us at (662) 536-1880. We're here to help!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support to invest in new equipment or hire more staff to meet growing demand. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $10 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,937,254, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services make it easy for businesses to manage transactions. With simple payment processing solutions, you can focus on what matters most growing your business. Imagine a customer walking into your store, making a quick purchase with their card while you provide excellent service. That's the kind of experience we aim to support. Visit us at 185 Goodman Rd W Southaven Ms 38671 in Southaven, MS, or call us at (662) 536-1880 to learn how we can help your business reach its full potential!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

If you're planning to purchase a new car, our auto loans and vehicle financing options can get you on the road without breaking the bank. We offer competitive rates and flexible terms that suit your budget, so you can drive away with confidence.

Business Banking

For our business members, we offer specialized business banking solutions, including merchant services and business loans. These services are crafted to help you grow your business efficiently while managing cash flow effectively.

Credit Cards with Rewards

And for those who love rewards, our credit cards with rewards program allows you to earn points on everyday purchases. Use them for travel, cash back, or even gift cards it's all about rewarding your loyalty.

Digital Banking Features

To make banking as convenient as possible, we provide robust online and mobile banking services. From checking balances to transferring funds, everything is just a click away or at your fingertips. You can also enjoy easy access to ATMs for cash withdrawals, making it easier than ever to manage your finances on the go.

Drive-Thru Services

For those who prefer face-to-face interaction but want convenience too, our basic drive-thru banking allows you to handle deposits, withdrawals, and other simple transactions without leaving your car. Our branch is located at 185 Goodman Rd W, Southaven, MS 38671, where our friendly staff is ready to assist you during lobby hours from 8:30 AM - 5:00 PM Monday through Thursday, until 6:00 PM on Fridays, and from 9:00 AM - 1:00 PM on Saturdays for drive-thru service. At First South Financial, we believe that excellent service should be combined with ease of access. Whether online or in-person, we're dedicated to supporting you every step of the way in achieving your financial goals. If you're ready to explore what we have to offer or if you have any questions, feel free to call us at 662-536-1880 today!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing services are designed to guide you through every step of the process. Whether it's your first home or a new investment property, we'll ensure you have the right financing options available.

Personal Banking Solutions

Starting with personal banking, we provide a variety of checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that helps you track your spending effortlessly while also earning interest on your savings this is just one way we empower you to manage your money effectively.

Personal Loans and Debt Consolidation

Life can sometimes throw unexpected expenses your way. With our personal loans and debt consolidation services, you can tackle those costs head-on. We provide straightforward solutions that help simplify your payments and relieve financial stress.

Digital & Online Banking

Key Features

Our online banking platform lets you view your account balances, check transaction history, and manage your finances with just a few clicks. Plus, if you prefer to go paperless, we offer e-statements for easy access to your financial statements right from your device. This means no more waiting for mail or worrying about lost documents. For those who love the convenience of mobile payments, First South Financial has you covered. You can quickly make purchases using our mobile payments feature, which integrates seamlessly with your favorite payment apps. Additionally, our user-friendly mobile application allows you to handle all your banking needs on the go whether you're transferring money between accounts or sending funds directly to friends through person-to-person transfers.

Security and Accessibility

Security is a top priority for us. While we do not currently offer electronic signature authorization, rest assured that our systems are built with the latest security measures to keep your information safe. You can bank with peace of mind knowing that we take every precaution to protect your financial data. With all these features available at your fingertips, managing your money has never been easier. Whether you're checking balances during lunch or making payments late at night, First South Financial provides the tools you need for real-time account management in a way that fits into your busy lifestyle. Experience the future of banking today by visiting us at https://www.firstsouth.com/!

Financial Strength

A Growing Member Base

Total Share Accounts stand at 105,267, showing a strong and growing member base that trusts us with their finances. Our commitment to you is unwavering; whether you're saving for the future or looking for a loan today. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First South Financial is your trusted partner. Visit us at 185 Goodman Rd W Southaven MS 38671 or call 662-536-1880 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

With $222,998,070 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $6,064 in used auto loans and a total of $525,768,490 in loans and leases supporting your financial goals across various sectors.

Member Savings Protection

Members' savings are secured through $82,818,158 in share certificates and $74,335,121 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $249,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our current net income, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 128 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Solid Financial Health

With a net worth of $237,033,751, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 30.71% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Information

We know that sometimes circumstances change if you're looking into refinancing options or need assistance determining eligibility for one of our loan products, our knowledgeable staff is here to help. We prioritize transparency and clarity in every transaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how First South Financial can help you navigate your financial journey today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $154,370,001 in used vehicle loans and $88,037,234 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our team is ready to assist you through every step of the process.

Business Financing

For business owners, our outstanding commercial loans totaling $3,937,254 provide the capital needed to grow and expand your business. We understand that running a business comes with its own set of challenges and are committed to supporting you with tailored financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $62,913,866. Whether you're a first-time buyer or looking to refinance an existing mortgage, we are here to guide you with competitive rates and flexible terms.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $18,404,870 in loans helping members manage their finances effectively. These cards provide an excellent way to handle unexpected expenses without compromising your budget.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers presented are fair and transparent, giving users peace of mind when exploring their financing options.