FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION

Welcome to First South Financial, your trusted partner in financial wellness since 1957. Located at 3731 Austin Peay Hwy, Memphis, TN 38128, we proudly serve our community with a commitment to personalized banking solutions and exceptional member service. With a robust membership of 72,145 and total assets exceeding $758 million, we stand as a pillar of support for both individuals and businesses alike. At First South Financial, we understand that every financial journey is unique. That's why we offer a wide range of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. With total deposits of $182,228,745 and an impressive net worth of $237,033,751, our stability allows us to provide you with the best rates and terms available. We take pride in our dedicated team of 128 employees, led by our CEO W. Craig Esrael and Board President Deb Ross. Together, they foster an environment focused on community engagement and member satisfaction. Our friendly staff is ready to assist you during our lobby hours from 8:30 AM to 5:00 PM (Mon-Thur) and until 6:00 PM on Fridays. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 3731 Austin Peay Hwy, Memphis, TN 38128. Discover how First South Financial can help you achieve your financial goals today! Feel free to reach out by calling us at 901-372-7312 or explore more about our offerings at our website. Your financial future starts here!

At First South Financial, our story begins in 1957, a year that marked the inception of a credit union dedicated to serving the community of Memphis, TN. Over the years, we have grown from a small financial institution into a trusted partner for over 72,000 members. Our journey reflects a commitment to not just providing financial services but also nurturing community ties and fostering economic growth. Located at 3731 Austin Peay Hwy, Memphis, TN 38128, our branch has become a cornerstone of support for individuals and families looking to achieve their financial goals. The vibrant community surrounding us inspires our mission every day. We are here to empower our members through personal banking solutions, auto loans, mortgage financing, business banking, and much more. Our mission is straightforward: to provide exceptional financial services while making a positive impact in the lives of our members and the community at large. We believe that everyone deserves access to quality financial products and personalized service. This belief drives us to create partnerships and outreach programs that extend beyond traditional banking. In addition to our core services like checking accounts and loans, we also prioritize digital advancements such as online banking and mobile payments. These tools ensure that our members can manage their finances easily and efficiently from anywhere. We are proud of our ADA-compliant facilities and strive to offer customer-centric initiatives that enhance accessibility for all. While members can visit us at 3731 Austin Peay Hwy, official correspondence should be sent to the same address. Our operating hours are designed with convenience in mind: Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM for lobby service. Our drive-thru is open during similar hours for quick transactions. As we look ahead, we remain committed to creating lasting relationships with our members through support, education, and innovation. We invite you to join First South Financial today! Experience how we can help you navigate your financial journey with confidence. Reach out to us at 901-372-7312 or visit our website at First South Financial. Together, let's build a brighter future!

Becoming a member of First South Financial feels like joining a warm and welcoming family where your financial needs are truly understood. If you're in the Memphis area, specifically around 3731 Austin Peay Hwy Memphis Tn 38128, you're already on the right track! Membership is open to those who live, work, worship, or attend school in our community. This means that whether you're a local resident, an employee in the area, or simply someone who values being part of a supportive network, you can join us. Not only will you gain access to a variety of financial products tailored just for you, but you'll also enjoy the benefits of personalized service from our dedicated team. Opening an account with us is straightforward and inviting. For more detailed information on eligibility and how to start your membership journey, please visit our website at . If you're ready to take the next step or have any questions, feel free to give us a call at (901) 372-7312. We can't wait to welcome you into our community at First South Financial!

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. With a strong foundation built over the years, we are committed to providing reliable services that meet your financial needs. 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 3071 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 capacity to support your financial goals is reflected in our $6,064 in used auto loans and a total of $525,768,490 in loans and leases available. Our operational efficiency is shown through our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 128 full-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 Accounts: 105267, 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 3731 Austin Peay Hwy Memphis TN 38128 or call 901-372-7312 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.