First South Financial Bartlett TN Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to First South Financial, your trusted partner in financial services right here in Bartlett, TN! Located at 6471 Stage Rd Ste 100, we have proudly served our community since our establishment in 1957. With a commitment to helping our members achieve their financial goals, we currently support over 72,145 members, providing them with a safe and reliable place for their banking needs. At First South Financial, we believe that every member deserves personalized service. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. With total assets exceeding $758 million and total deposits amounting to $182 million, you can trust that your finances are in capable hands. Our dedicated team of 128 employees, led by CEO W. Craig Esrael and Board President Deb Ross, is here to guide you through all your financial decisions. We pride ourselves on our transparency and integrity, ensuring that you feel confident every step of the way. Whether you prefer online banking or visiting us in person, we're equipped to meet your needs with convenience in mind. For any official correspondence, please send it to our mailing address: 6471 Stage Rd Ste 100, Bartlett, TN 38134. If you have questions or need assistance, don't hesitate to call us at 901-380-7540. We invite you to explore how First South Financial can empower you financially. Visit our website at www.firstsouth.com or stop by today your future starts here!

Branch History & Mission

At First South Financial, we pride ourselves on a rich legacy that began in 1957. Our journey started with a simple mission: to provide accessible financial services to our members and foster a sense of community in Bartlett, TN. Over the decades, we have grown significantly, now serving over 72,145 members with total assets exceeding $758 million. Located at 6471 Stage Rd Ste 100, Bartlett, TN 38134, our branch is more than just a place for transactions; it's a community hub where relationships are built. We are conveniently situated near local landmarks that make us easily accessible for all your banking needs. First South Financial's mission is clear: we strive to empower individuals and families by offering a range of financial products tailored to their needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we are here to support you every step of the way. Additionally, our commitment extends beyond financial services; we actively engage in community outreach efforts, ensuring that we contribute positively to the lives of those around us. Since our inception, we have embraced advancements in technology to enhance member experiences. From online and mobile banking to ATM access and drive-thru services, we prioritize convenience while maintaining compliance with ADA standards. Our digital platforms allow members to manage their finances effortlessly from anywhere. While members can visit us at 6471 Stage Rd Ste 100, official correspondence should be sent to the same address as there is no difference between our branch and mailing addresses. If you need assistance or have questions about your account, feel free to reach out at 901-380-7540. As we look ahead, First South Financial remains committed to its mission of fostering financial well-being within our community. We believe that when our members succeed, our community thrives. Join us today and experience the benefits of being part of a credit union that truly cares about you!

Branch Location & Accessibility

Getting Here and What to Expect

At First South Financial, we prioritize accessibility for all our members. Our branch features ADA-compliant ramps and ample parking spaces, ensuring that everyone can visit us comfortably. If you need to reach out to us via mail, feel free to send correspondence to the same address as our physical location 6471 Stage Rd Ste 100, Bartlett, TN 38134.

Hours That Fit Your Schedule

We understand that life can get busy! That's why we offer flexible operating hours. Visit us from 8:30 AM to 5:00 PM, Monday through Thursday in the lobby, or come by on Fridays when we're open until 6:00 PM. For those who prefer drive-thru services, we're here for you from 8:30 AM to 5:00 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays.

Services Designed for You

First South Financial offers a wide range of services tailored to meet your needs. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we've got you covered. Our drive-thru banking allows you to make deposits and withdrawals without leaving your car perfect for busy days! Additionally, enjoy the convenience of our ATM services available right at the branch. With quick access to your funds and essential transactions at your fingertips, managing your money has never been easier.

We're Here for You!

Have questions or need assistance? Don't hesitate to call us at 901-380-7540. Our dedicated team is ready to help you with any inquiries or concerns you may have. We invite you to stop by First South Financial today! Experience banking made easy in a welcoming environment where your needs are our priority.

Member Eligibility

At First South Financial, we believe that everyone deserves a place in our community. Becoming a member is not just about opening an account; it's about joining a family that supports you every step of the way. To be eligible for membership, you simply need to live, work, or worship in the areas we serve. Whether you're looking for personal banking solutions, auto loans, or financial advice, we welcome you with open arms. If you're curious about the specifics of eligibility, feel free to check out more details at . Opening an account with us is a breeze! Just visit our branch at 6471 Stage Rd Ste 100 Bartlett Tn 38134, or give us a call at (901) 380-7540 for assistance. Our friendly team is here to guide you through the process and help you find the right services tailored to your needs. Join us today and experience the numerous benefits of being part of the First South Financial family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services that simplify payment processing. Imagine running your business smoothly while providing customers with a variety of payment options, enhancing their shopping experience. Our services ensure you can accept payments effortlessly, allowing you to focus on what matters most growing your business. Visit us at 6471 Stage Rd Ste 100 Bartlett Tn 38134 in Bartlett, TN, or call us at (901) 380-7540 to learn more about how we can help your business thrive!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive business banking solutions, including merchant services that simplify transactions and support your company's growth through business loans tailored for small businesses. We know that every dollar counts when running a business, which is why our services are designed to help streamline your financial operations.

Credit Card Options

Our credit cards with rewards allow you to earn points on everyday purchases while enjoying the flexibility of credit. Whether you're planning a vacation or simply want to earn cash back on groceries, we've got you covered.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. Accessing your accounts has never been easier check balances, transfer funds, and even make payments right from your smartphone! Our ATM services ensure you can withdraw cash or check balances whenever needed without hassle.

Drive-Thru & ATM Access

If you're short on time but still need banking services, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle. Plus, our ATMs provide basic access for withdrawals and balance checks whenever you need them. At First South Financial in Bartlett, TN, we prioritize making banking easy and accessible for all our members. With our friendly staff ready to assist you at every step, we encourage you to reach out at 901-380-7540 or visit us online at firstsouth.com for more information about how we can help meet your financial needs. Join us today and discover the difference First South Financial can make in managing your money!

Personal Banking Solutions

Managing your personal finances is easier than ever with our checking and savings accounts tailored to fit various lifestyles. Imagine having a checking account that not only helps you track your spending but also offers savings opportunities. Our auto loans and vehicle financing options make purchasing that dream car achievable. We understand how important it is to have reliable transportation, and we're here to help you secure financing that works for your budget. When it comes to home ownership, our mortgage loans and refinancing options provide competitive rates and terms. If you find yourself needing extra funds for a project or consolidating debt, our personal loans are available to assist in meeting those goals without added stress.

Digital & Online Banking

Accessibility and Ease of Use

At First South Financial, we believe in making banking accessible for everyone. Our mobile payments feature lets you make purchases directly from your phone, streamlining how you spend and manage your money. Whether you're at home or out shopping, managing your accounts has never been easier. For those who prefer direct engagement, our friendly staff is always ready to assist during our lobby hours or through our drive-thru service. But whether you choose to visit us in person or handle everything online, First South Financial ensures that you have the tools necessary for real-time account management at your fingertips. In today's fast-paced world, having reliable banking options is essential. Join us at First South Financial and discover the convenience of digital banking that puts you in control!

Key Features

Our online banking platform allows you to check your account balances, transfer funds, and pay bills with just a few clicks. If you're looking to send money to friends or family, our person-to-person transfer feature makes it quick and easy. Plus, with our mobile application, you can access all these features right from your smartphone, making it easier than ever to stay on top of your finances while on the go. Security is always a top priority for us. Although we do not currently offer electronic signature authorization, rest assured that your personal information is protected through advanced security measures. We also provide e-statements for those who prefer paperless options, allowing you to view your statements securely online without any hassle.

Financial Strength

Committed Team Ready to Serve You

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 dedicated to your needs.

Focused on Members

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 tailored just for our members.

Growing Member Base

Total Share Accounts: 105,267, showing a strong and growing member base that trusts us with their finances. Your membership means you're part of a community dedicated to mutual success. 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 6471 Stage Rd Ste 100 Bartlett Tn 38134 or call (901) 380-7540 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This efficiency translates into more value for you as a member of First South Financial.

Reinvestment for Improvement

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. This commitment to improvement means that your experience with us will only get better over time.

Secure Savings Options

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. These options help you grow your savings while keeping them safe.

Solid Capital Foundation

Our net worth ratio of $3,071 demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Net Worth

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 solid foundation enables us to support your financial needs effectively.

Supporting Your Financial Goals

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. Whether you're looking to buy a new car or finance a home renovation, we've got you covered.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans feature 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 assisting members in getting on the road. Whether you're considering a new model or a reliable used option, we have financing solutions tailored for you.

Business Loans

For business owners in the community, our outstanding commercial loans amounting to $3,937,254 provide essential capital needed for growth and expansion. We are here to support local businesses as they strive for success. At First South Financial, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're interested in any of these loan products or have questions about eligibility or refinancing options, don't hesitate to reach out to us at 901-380-7540. Let us help you take the next step towards achieving your financial objectives!

Credit Lines and Unsecured Credit Cards

Managing day-to-day expenses can be easier with our credit lines totaling $129,762,648. Additionally, we provide flexible terms on unsecured credit card loans, with a total of $18,404,870 in loans available to help our members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Property loans totaling $62,913,866, making buying or refinancing straightforward. We also offer refinancing options for those looking to improve their current mortgage terms.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 means that the information you see is both accurate and fair, ensuring you receive offers that meet strict regulatory guidelines.

FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION