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Member-owned credit union serving Greater Tennessee with full-service banking, lending, and investment products. NCUA-insured with top 1% national safety rating.
Data compiled from public sources
First South Financial is a federally-chartered credit union serving the Greater Tennessee region, positioning itself as a community-focused financial institution. The organization emphasizes membership benefits and local presence through multiple branch locations and ATM networks across Tennessee. The credit union offers a comprehensive suite of financial products including checking and savings accounts, CDs and IRAs, credit cards (Visa Platinum variants), personal loans, auto loans, mortgages, home equity lines of credit (HELOCs), and student loan refinancing.
They provide business banking services including commercial real estate loans, business credit cards, and lines of credit. Additional offerings include health savings accounts (HSAs), investment services, prepaid cards, and VISA gift cards. The organization also serves Spanish-speaking members through dedicated Hispanic Member Services.
99% APR HELOCs, 0% APR balance transfer credit cards, and member referral bonuses ($50 per successful referral). They advertise being ranked in the top 1% nationally for safety and soundness. The credit union emphasizes member education through calculators, how-to guides, FAQs, and a newsletter subscription service.
As a credit union, First South operates on a not-for-profit, member-owned model with NCUA insurance protection. The rate claims to verify advertised suggest active market positioning, though these represent promotional rates requiring specific balance or usage requirements.
This is state-level context for Credit Unions consumers in Bartlett, TN. It does not confirm that First South Financial or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First South Financial offers 19 services including Checking accounts with overdraft privilege, High-yield savings accounts and money market accounts, Health Savings Accounts (HSA), Certificates of Deposit (CDs) and IRAs, Youth savings accounts, and 14 more.
First South Financial has profile signals associated with Tennessee residents seeking member-owned, not-for-profit banking with top-tier safety ratings, Consumers interested in promotional high-yield checking and competitive lending rates, Spanish-speaking members requiring dedicated bilingual banking services, Small business owners needing comprehensive business banking and commercial lending services.
Key strengths: Top 1% nationally ranked for safety and soundness (NCUA-insured); High-yield checking at 6.25% APY on balances up to $10,000; Competitive HELOC rate at 1.99% APR. Areas to consider: Geographic limitation to Greater Tennessee region may restrict membership or service accessibility; No information provided about membership eligibility requirements or field of membership restrictions.
In the Credit Unions category, comparable providers include Alcoa Tenn, Appliance, Ascend. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First South Financial is best suited for Tennessee-based consumers and small business owners seeking member-owned credit union banking with competitive promotional rates and a strong safety record. The primary caveat is geographic limitation to Greater Tennessee—potential members outside this region should verify field of membership eligibility, and those relying on promotional rates must confirm they meet specific balance or usage requirements.
Alcoa Tenn Federal Credit Union is a member-owned, NCUA-insured financial institution serving Blount, Loudon, and Monroe Counties in Tennessee with over 90 years of history.
Profile signals: Tennessee residents in Blount, Loudon, or Monroe Counties seeking community-based financial services, Members prioritizing deposit safety and NCUA federal insurance protection
Appliance Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards with 24/7 digital access via mobile app and online banking.
Profile signals: Credit union members seeking integrated digital and branch banking with strong mobile access, Borrowers needing vehicle, personal, or mortgage loans from a member-owned institution
Ascend Federal Credit Union is a not-for-profit credit union offering checking, savings, loans, credit cards, and business services with rate claims to verify and member-focused benefits.
Profile signals: Eligible employees of Ascend's partner organizations seeking rate claims to verify on deposits and loans, Consumers prioritizing high-yield checking and savings rates over branch network size
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