FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION

Welcome to First South Financial, your trusted partner in banking since 1957. Located at 633 S Highland St, Memphis, TN 38111, our credit union has been dedicated to serving the community with integrity and commitment. With a robust membership of over 72,145 and total assets amounting to $758,451,250, we take pride in providing personalized financial solutions tailored to meet your needs. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 633 S Highland St, Memphis, TN 38111-4355. Our friendly team, led by CEO W. Craig Esrael and Board President Deb Ross, is here to help you navigate your financial journey with confidence. At First South Financial, we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our dedication to our members is reflected in our total deposits of $182,228,745 and cash reserves of $9,323,149, ensuring that we are well-equipped to support your financial goals. We understand that every member's situation is unique. That's why we focus on building long-lasting relationships within our community. Whether you're looking for competitive loan rates or convenient online banking options, we're committed to providing an exceptional experience. Feel free to reach out by phone at 901-323-8091 or visit our website at First South Financial for more information. We invite you to come by and experience firsthand how we can assist you in achieving your financial dreams!

At First South Financial, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you're looking to become part of our community, it's easy! Membership is open to anyone who lives, works, or worships in the surrounding area, along with their immediate family members. This inclusivity allows us to offer a range of financial products and services tailored just for you. Being a member means enjoying benefits like lower loan rates, higher savings returns, and personalized service that makes your banking experience truly special. To get started on your membership journey at First South Financial, simply visit us at our location: 633 S Highland St Memphis Tn 38111. You can also reach out to us at (901) 323-8091 if you have any questions or need assistance. For more detailed information about eligibility requirements, feel free to check out our website at . We can't wait to welcome you into our community!

At First South Financial, we understand that convenience and security are top priorities for our members. That's why we offer a suite of digital and online banking services designed to make managing your finances easier than ever. With just a few clicks or taps, you can take control of your banking needs from anywhere, at any time. One of the standout features is our robust online banking platform, available at https://www.firstsouth.com/ . This service allows you to check balances, transfer funds, and pay bills whenever you need to day or night. You can also enjoy the peace of mind that comes with 24/7 access to your accounts, meaning you're never more than a click away from your financial information. For those who prefer using their smartphones, our mobile application offers an intuitive experience that puts banking right in your pocket. You can make mobile payments, which are quick and secure, as well as conduct person-to-person transfers effortlessly. Whether you're splitting a dinner bill or sending money to a friend, it's all done in real-time with just a few taps. We also provide e-statements to keep your account information organized and accessible without cluttering your mailbox. Plus, while we currently do not support electronic signature authorization, our commitment to providing user-friendly services remains strong. At First South Financial, accessibility and ease-of-use are key aspects of our digital offerings. We aim to empower you with tools that simplify your financial management while ensuring that security is always a top concern. Experience the modern way to bank with us today!

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 financial health with you, demonstrating our commitment to supporting your financial journey. 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 $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. 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 supports members' financial goals across various sectors with $6,064 in used auto loans and $525,768,490 in total loans and leases. Our operational efficiency is reflected in our $0, 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 ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 105,267, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $122,442. 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 633 S Highland St Memphis Tn 38111 or call (901) 323-8091 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.