FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION

Welcome to First South Financial at 1250 E Shelby Dr, Memphis, TN 38116 a place where your financial needs meet our commitment to community and service. Established in 1957, we have proudly grown alongside our members, now serving over 72,145 individuals with total assets of $758,451,250. Our goal is not just to be your credit union but to be a trusted partner in your financial journey. As a member-focused institution, we offer a range of services tailored for you from personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and business banking solutions. With total deposits amounting to $182,228,745, we ensure that your money is not only safe but also working hard for you. At First South Financial, we believe in the power of relationships. Under the guidance of our CEO, W. Craig Esrael, and Board President, Deb Ross, our team of 128 dedicated employees is here to assist you. Whether you're visiting us in person or utilizing our online banking services through our website at www.firstsouth.com, we're committed to providing a friendly and efficient experience. While members can visit us at our branch location, official correspondence should be sent to the same address: 1250 E Shelby Dr, Memphis, TN 38116-7124. Feel free to reach out via phone at 901-346-0204 or send a fax to 901-380-7320 for any inquiries. Join us today and discover how First South Financial can help you achieve your financial goals with confidence!

At First South Financial, we believe that everyone deserves a chance to be part of a caring financial community. Joining us as a member is simple and welcoming! If you live, work, or worship in the Memphis area, you're likely eligible to become a member. We strive to create an inclusive environment where you can access personalized financial services designed just for you. Whether you're looking for checking accounts, auto loans, or mortgages, our members enjoy benefits like competitive rates and community support. To learn more about what it takes to join us at First South Financial, please visit our eligibility page at . It has all the details you'll need. When you're ready to take the next step, opening an account is easy just give us a call at (901) 346-0204 or stop by our branch located at 1250 E Shelby Dr Memphis Tn 38116. We're excited to welcome you into our family!

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 understand that in today's world, trust in your financial institution is paramount. That's why we are proud to highlight our strong financial position, which reflects our commitment to serving you. 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 and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $6,064 in used auto loans and a total of $525,768,490 in loans and leases. Our operational efficiency is evident with a reported net income of $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 assist you with their knowledge and commitment. 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 1250 E Shelby Dr Memphis TN 38116 or call 901-346-0204 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.

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