First South Financial Atoka TN Credit Union | Affordable Auto Loans & ATM Services

Introduction

Welcome to First South Financial, your trusted partner in financial services located at 11624 Highway 51 S, Atoka, TN 38004. Since our establishment in 1957, we have been dedicated to providing exceptional service and building strong relationships with our 72,145 members. Our commitment to the community is evident through our total assets of $758,451,250 and a robust net worth of $237,033,751, ensuring we have the strength to support your financial needs. At First South Financial, we pride ourselves on offering a wide range of services tailored to meet your individual requirements. Whether you're looking for personal banking solutions such as checking and savings accounts, auto loans, or credit cards with rewards, we've got you covered. We also provide business banking services including merchant services and business loans. Our knowledgeable team, led by CEO W. Craig Esrael and Board President Deb Ross, works diligently to ensure that every member receives personalized attention and guidance. With 128 dedicated employees ready to assist you, we strive to make your banking experience seamless and enjoyable. While members can visit us at our Atoka branch for all their banking needs, official correspondence should be sent to the same address: 11624 Highway 51 S, Atoka, TN 38004. We invite you to take advantage of our online and mobile banking services for convenient access anytime and anywhere. Feel free to give us a call at 901-837-3773 or drop by during our operating hours from 8:30 AM to 5:00 PM Monday through Thursday, extending until 6:00 PM on Fridays. Join us at First South Financial where your financial well-being is our priority! Visit our website at firstsouth.com for more information about our offerings or simply stop by and let us help you achieve your financial goals today!

Branch History & Mission

Commitment to Service

While members can visit us at 11624 Highway 51 S, official correspondence should be sent to 11624 Highway 51 S, Atoka, TN 38004. Our operating hours are designed for your convenience: we welcome walk-ins from 8:30 AM to 5:00 PM Monday through Thursday, extending until 6:00 PM on Fridays. Additionally, our drive-thru service is available during these same hours for quick transactions. We are proud to offer ATM availability for easy cash access and basic drive-thru banking services for deposits and withdrawals. With no shared service center nearby, we focus solely on providing personalized service right here at our branch.

Join Us

As we look towards the future, we invite you to join our growing family at First South Financial. Experience firsthand how we can help you achieve your financial goals while supporting the vibrant community of Atoka. Visit us today or call us at 901-837-3773 let's build a brighter tomorrow together!

Our Journey

First South Financial was founded with a vision to provide accessible financial services to everyone in the community. From our humble beginnings, we have continually evolved, embracing changes in technology and customer needs. Our commitment to innovation can be seen through our enhanced online and mobile banking services, allowing members to manage their finances conveniently from anywhere. Throughout our history, we've maintained strong ties with the local community, engaging in various outreach initiatives that support education, health, and well-being. We take pride in being more than just a financial institution; we are your neighbors and partners in building a better future for Atoka.

Our Mission

At First South Financial, our mission is simple yet powerful: to empower our members by providing exceptional financial services while fostering a sense of community. We believe in putting people first offering personal banking solutions such as checking and savings accounts, auto loans, mortgage financing, and business banking services tailored to meet the unique needs of each member. We understand that access to quality financial resources is essential for personal growth and community development. That's why we strive to create an inclusive environment where everyone feels welcomed and supported. Whether you need help with everyday banking or looking for advice on long-term financial planning, we're here to guide you every step of the way.

Branch Location & Accessibility

Welcome to First South Financial, your trusted partner in banking located conveniently at 11624 Highway 51 S, Atoka, TN 38004. Our branch is easily accessible and nestled in a vibrant part of Atoka, just a stone's throw away from local landmarks that make our community special. Whether you're heading to the nearby parks or shopping areas, stopping by our branch is a breeze. We know how important it is for our members to have easy access to banking services. That's why we offer plenty of parking right outside our door, making it simple for you to visit us. Plus, our branch is designed with accessibility in mind, featuring ADA-compliant facilities and ramps so everyone can bank comfortably. Our doors are open Monday through Thursday from 8:30 AM to 5:00 PM, and on Fridays until 6:00 PM for lobby services. If you prefer drive-thru banking, we also accommodate your needs during the same hours. Our friendly team is here to assist you with everything from personal banking solutions like checking and savings accounts to auto loans and mortgages. While you can reach us at 11624 Highway 51 S for all your banking needs, please note that any official correspondence should be sent to the same mailing address for your convenience. Don't forget that we also have ATM services available for quick cash withdrawals and balance checks anytime you need them. We're proud to serve the Atoka community with reliable banking options tailored just for you. Feel free to give us a call at 901-837-3773 if you have any questions or if you'd like more information about our services. We invite you to come visit us soon!

Member Eligibility

Becoming a member of First South Financial is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the Atoka area, you're already on the right path to membership! We welcome individuals who have a connection to our community, making it easy for you to enjoy all the benefits we offer. From personalized banking solutions to competitive rates on loans and savings accounts, our goal is to support you every step of the way. If you're ready to take the next step, check out more about eligibility at . You can also reach out to us at (901) 837-3773 for any questions or visit us at our branch located at 11624 Highway 51 S Atoka Tn 38004 to get started with opening your account. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Lending Solutions for Growth

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 that Make a Difference

In today's fast-paced world, having reliable payment solutions is essential. Our merchant services enable you to accept payments easily, helping you focus on what matters most growing your business. Imagine having the ability to offer multiple payment options, ensuring customer satisfaction while streamlining your operations. Located conveniently at 11624 Highway 51 S Atoka Tn 38004 in Atoka, TN, our team is ready to discuss how we can assist you in achieving your business goals. Contact us today at (901) 837-3773 to learn more about our offerings!

Comprehensive List Of Services

Accessibility & Support

At First South Financial, we're committed to making banking straightforward for everyone. Our friendly staff is here to assist you with any questions or concerns. Whether you're visiting us during lobby hours from 8:30 AM to 5:00 PM Monday through Thursday (and until 6:00 PM on Friday) or using our drive-thru service, we strive to provide exceptional service at every interaction. If you're interested in learning more about our services or have specific financial needs, don't hesitate to reach out! Call us at 901-837-3773 or visit us online at First South Financial for more information. We look forward to serving you!

Business Banking Solutions

For local businesses, we understand the unique challenges you face. That's why we offer comprehensive business banking services, including merchant services and business loans designed to help you grow and thrive in today's market.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and pay bills without stepping foot in the branch. Additionally, our ATM & cash withdrawal services provide easy access to your money whenever you need it. For quick transactions, take advantage of our basic drive-thru banking for deposits and withdrawals.

Personal Banking Services

When it comes to managing your finances, having the right tools is essential. At First South Financial, we offer a variety of checking and savings accounts designed to fit your lifestyle. If you're considering purchasing a new car or refinancing your current vehicle, our auto loans and vehicle financing options can help you drive away in no time. For those planning to buy a home, our mortgage loans and refinancing services ensure that you get competitive rates tailored to your needs. If unexpected expenses arise or you're looking to consolidate debt, our personal loans and debt consolidation options provide flexible terms that can ease your financial burden. Plus, with our credit cards featuring rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

Our online banking gives you real-time access to your account balances and transaction history. Need to pay a bill or transfer funds? It's as simple as a few clicks! You can also enjoy the ease of e-statements, which help you keep track of your finances without the clutter of paper statements just another way we make banking simpler for you. For those who are always on the go, our mobile application puts banking in your pocket. You can make mobile payments effortlessly, ensuring that you're never left scrambling for cash when you need it most. Plus, with person-to-person transfers, sending money to friends or family is quick and easy.

Security and Accessibility

We take your security seriously. Our platform uses advanced security measures to protect your information, giving you peace of mind while you bank online. And if you ever need assistance, our friendly staff is just a phone call away at (901) 837-3773. Whether you're checking your balance from home or making payments on the run, First South Financial makes it easy for you to stay in control of your finances. Experience the convenience of modern banking today with us!

Financial Strength

Member-Centric Approach

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

While our current net income is $0, it reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 128 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

Our commitment to growth is reflected in our financial results. 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. With $6,064 in used auto loans and $525,768,490 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

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. This is crucial in today's ever-changing economic environment. Our net worth ratio of $3,071 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Numbers

We proudly report that the total number of share accounts stands at 105,267, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $122,442, indicating robust financial support for all your needs. 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 11624 Highway 51 S Atoka Tn 38004 or call (901) 837-3773 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

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 can assist you in finding the right loan for your budget.

Business Loans

For business owners seeking capital for growth or expansion, our outstanding commercial loans totaling $3,937,254 provide the necessary funding to take your business to the next level. We understand the unique challenges faced by small businesses and are here to support your ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $62,913,866, make buying or refinancing simple. We provide flexible terms and competitive rates to help you secure your dream home without added stress.

Refinancing Options

If you're looking for ways to lower your monthly payments or consolidate debt, our refinancing options could be right for you. We encourage members to reach out for more information about eligibility criteria and how refinancing can benefit your financial situation. At First South Financial, we are committed to providing personalized service and clear information so you can make informed decisions about your borrowing needs. You can reach us at 901-837-3773 during our lobby hours from 8:30 AM - 5:00 PM (Mon-Thur) and 8:30 AM - 6:00 PM (Fri). 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 our loan products today and see how we can help you take the next step towards achieving your financial aspirations!

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 are designed to provide convenience and ease for everyday purchases without collateral requirements.

Loan Aggregator

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Ensuring Accurate Comparisons

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FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION - Atoka, TN