First South Financial Dyersburg TN Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First South Financial, your trusted partner in banking, located at 230 Community Park Rd, Dyersburg, TN 38024. Since opening our doors in 1957, we have been dedicated to serving our community and supporting our members' financial needs. With over 72,000 members and total assets of $758,451,250, we pride ourselves on being a reliable credit union that puts you first. At First South Financial, we offer a wide range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and business financing. We understand the importance of having access to your funds when you need them, which is why we provide convenient online and mobile banking services along with ATM access. Our leadership team, headed by CEO W. Craig Esrael and Board President Deb Ross, is committed to fostering a culture of trust and integrity within our organization. With a dedicated staff of 128 employees, we strive to ensure that every member feels valued and supported in their financial journey. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 230 Community Park Rd, Dyersburg, TN 38024. Whether you're looking for assistance with loans or simply want advice on managing your finances, we're here to help! Don't hesitate to reach out by calling us at 731-286-0154 or visiting our website at First South Financial. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Commitment to Community

At First South Financial, our mission goes beyond transactions; it's about building lasting relationships. We actively engage in community outreach programs and partnerships that strengthen local initiatives and support those in need. We believe that when our members thrive, so does the entire community. While members can visit us at 230 Community Park Rd, official correspondence should be sent to the same address as our mailing address is identical. You can also reach us at 731-286-0154 for any inquiries or assistance.

Join Us!

We invite you to experience the personal touch and dedication that defines First South Financial. With convenient operating hours from 8:30 AM to 5:00 PM Monday through Thursday, extended hours on Friday until 6:00 PM, and drive-thru service on Saturdays from 9:00 AM to 1:00 PM, we are here to serve you when it matters most. Become part of our family today and discover how we can help you achieve your financial dreams! Visit us online at First South Financial or drop by our branch in Dyersburg we look forward to welcoming you!

Our Journey

From our humble beginnings more than six decades ago, First South Financial has evolved into a trusted financial partner for families and businesses alike. Our mission is straightforward yet powerful: to provide exceptional financial services while uplifting our community. We believe that by helping each member achieve their financial goals, we contribute to the overall well-being of Dyersburg and beyond. Over the years, we have embraced modern advancements to improve member experiences. Today, we offer a range of digital services including online banking and mobile payments that make managing finances easier than ever. Our commitment to accessibility is unwavering; we ensure compliance with ADA standards in all our facilities, ensuring everyone can access our services comfortably.

Branch Location & Accessibility

Welcome to First South Financial in Dyersburg, where your convenience is our priority! Located at 230 Community Park Rd, this branch is easily accessible and situated near popular spots like the beautiful Community Park. Whether you're stopping by for a quick transaction or to discuss your financial needs, we're here for you. While members can visit us at 230 Community Park Rd, official correspondence should be sent to the same address. Our branch offers ample parking and is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can access our services comfortably. We know that your time is valuable, which is why we have convenient operating hours. Our lobby welcomes you from 8:30 AM to 5:00 PM Monday through Thursday, and stays open until 6:00 PM on Fridays. For those busy Saturdays, our drive-thru operates from 9:00 AM to 1:00 PM, making it easy for you to bank on your schedule. At First South Financial, we offer a variety of services tailored to meet your banking needs from personal checking and savings accounts to auto loans, mortgage financing, and business banking solutions. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need it. Need assistance? Give us a call at 731-286-0154. Our friendly team is ready to help you with all your financial inquiries. We look forward to welcoming you into our branch soon!

Member Eligibility

At First South Financial, we believe that everyone deserves a chance to be part of a welcoming and supportive community. Joining us as a member is simple and inclusive! If you live, work, or attend school in the area, you may qualify for membership. We embrace individuals from all walks of life, so whether you're just starting out or looking for a financial partner for your future plans, we're here for you. For detailed eligibility requirements and to ensure you meet the criteria. Once you're ready to take the next step, opening an account with First South Financial is a breeze! You can reach us at (731) 286-0154 if you have any questions or need assistance during the process. We're excited to welcome you into our family at 230 Community Park Rd Dyersburg Tn 38024, where your financial goals matter to us!

Business Banking & Commercial Services

Financing 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 addition to loans, we offer merchant services that simplify payment processing for your business. Imagine running your store and knowing that accepting payments whether in-person or online is hassle-free. Our solutions can integrate smoothly into your operations, allowing you to focus on what matters most: growing your business. Discover how First South Financial can be your partner in success. Visit us at 230 Community Park Rd Dyersburg Tn 38024 or call us at (731) 286-0154 to learn more about how we can assist you today!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, First South Financial offers dedicated support through our business banking services. From merchant services that simplify transactions to flexible business loans, we understand what it takes to run a successful operation. We're here to help you grow and thrive.

Credit Cards and Rewards

Looking for a way to earn while you spend? Our credit cards with rewards provide an excellent opportunity for members to gain benefits from everyday purchases. Imagine using your credit card for groceries or gas and then enjoying cash back or points toward future travel what could be better?

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions. With just a few taps on your smartphone, you can check your balance, pay bills, or transfer funds anytime, anywhere. Our ATMs are also available for quick cash withdrawals and balance checks, ensuring you have access to your money when you need it most.

Drive-Thru and In-Person Services

For those who prefer face-to-face interactions, our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions without leaving your vehicle. We strive to make every visit as efficient as possible so that you can get back to what matters most.

Get in Touch with Us

If you're ready to explore how First South Financial can enhance your financial journey, don't hesitate to reach out! You can contact us at 731-286-0154 or visit us at our branch in Dyersburg during our operating hours: 8:30 AM - 5:00 PM Monday through Thursday (Lobby), 8:30 AM - 6:00 PM on Friday (Lobby), and 9:00 AM - 1:00 PM on Saturday (Drive-Thru). Let us help you achieve your financial goals today!

Personal Banking Solutions

Managing your personal finances is easy with our comprehensive banking services. We offer various checking and savings accounts that cater to different lifestyles. Imagine having the peace of mind that comes from knowing your money is secure while still earning interest on your savings. For those considering larger purchases, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. Need a place to call home? Our mortgage loans and refinancing solutions make it easier for you to step into your dream house. If you're facing unexpected expenses or want to consolidate debt, our personal loans are here to assist you.

Digital & Online Banking

Key Features

One of the highlights of our digital banking services is the ability to send money easily through person-to-person transfers. Need to split a bill or send cash to a friend? It's quick and hassle-free! Plus, for those who prefer to manage their accounts on their smartphones, our mobile application is available for download, giving you full control right at your fingertips. We also offer electronic statements for those who want to reduce paper clutter while keeping an eye on their account activity. You can access your e-statements anytime, ensuring that you stay updated without worrying about lost mail or filing papers. While we currently do not support electronic signature authorization, our commitment to security remains strong. And if you're someone who enjoys using mobile payments, you're in luck! Our services include mobile payment options that let you make transactions directly from your device. This feature not only saves time but adds another layer of convenience when you're out shopping or dining. In summary, at First South Financial, we prioritize making banking easy and secure for all our members. Explore more about these features and get started by visiting us online today!

Financial Strength

At First South Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial position with you, which reflects our commitment to providing reliable services and support to every member. 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. 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. 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 $525,768,490 in total loans and leases, we support members' financial goals across various sectors. Our $3,881,079 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. Net Shares (Funds available for lending and investments): $122,442. Total Share and Deposit Accounts: 105,267, showing a strong and growing member base that trusts us with their finances. 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 230 Community Park Rd Dyersburg Tn 38024 or call (731) 286-0154 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 provide some of the lowest rates in the industry. We have already issued over $154,370,001 in used vehicle loans and $88,037,234 in new vehicle loans, helping members get on the road confidently. Our flexible terms make it easier than ever to drive away with your dream vehicle.

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, our credit cards come with rewards and features that can fit your lifestyle.

Credit Lines and Refinancing Options

For those looking for more flexibility with their borrowing needs, we provide credit lines totaling $129,762,648. Additionally, if you're considering refinancing an existing loan or exploring eligibility options for any of our products, our team is ready to assist you in finding the best solution tailored to your circumstances. At First South Financial, our goal is to ensure that you have access to financial tools that empower you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or call to learn more about how our loan offerings can help you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $62,913,866, making buying or refinancing simple. We aim to provide competitive rates and clear guidance throughout the process.

Loan Aggregator

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FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION - Dyersburg, TN

Type of Loan Offerings

Personal Loans

Vehicle Loans

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