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CDs and IRAs


So safe. So easy.

Guaranteed growth and guaranteed safety are features of our FDIC-insured CDs.

  • Deposit $500 or more to earn premium rates.
  • Enjoy higher rates with larger deposits.
  • Work with our experienced team to manage maturities so you have cash when you need it.
  • Manage your interest to meet your needs – reinvest or transfer to checking or savings.

Visit your nearest First South Bank location

Penalties may apply to early withdrawals.

Individual Retirement Accounts (IRAs)

Take charge of your future!

An IRA is one of the most useful and accessible tools to help you take responsibility for a financially secure retirement.

Individuals can choose either a Traditional or Roth IRA. Additionally, if you want to save for educational expenses for your child or grandchild, the Coverdell Education Savings Account may also be for you.

Find out which is best for you.

IRA Frequently Asked Questions (FAQ)

Rollover IRAs

If you change jobs and want to move your retirement plan ((401(k), profit sharing plan, etc.) with you, we can help with a Rollover IRA. This type of IRA allows you to keep your funds tax- deferred and typically gives you a broader choice of investments. At First South you can choose from a variety of FDIC-insured investments, as well as non-FDIC insured investments through First South Bank Wealth Management.*

* Securities offered by First South Wealth Management are not deposits, not FDIC insured, not guaranteed by the bank and may lose value.

Contact us at 800.946.4178.

Visit your nearest First South location.

Simplified Employee Pension Plans (SEPs)

If you’re a business owner or self-employed, a Simplified Employee Pension is a simple, effective way to build your retirement savings as well as offer a benefit to your employees.

To find out more, call 800.946.4178 or visit your nearest First South Bank location.

Mortgage Rates

Looking to purchase a home? Click here to see our mortgage rates.

Financial Resources

From calculators to savings and planning for retirement, our Financial Resources has the tools and tips you need.


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