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First Choice Savings Account

More Earnings. Fewer Restrictions.

First Choice is a savings account that acts like a CD. It offers a competitive high interest rate, but still allows access to funds up to six withdrawals per quarter with no penalty.



Visit any branch to open an account up today!


Muscle Shoals



St Florian
4350 Co Rd 47

Main Office
301 S Court St


Muscle Shoals
1027 Avalon Ave

Ford City
5145 River Rd


Killen Office
1455 US-72



The interest rate of 1.25% APY (Annual Percentage Yield) is paid on balances between $25,000 $500,000. If the balance drops below $25,000, the interest rate falls to 0.15% APY and if more than $500,000, the interest rate falls to 0.65% APY. Rate guaranteed for 6 months. No fee with balance of $25,000 or more; $20 monthly fee if balance falls below $25,000. Six free withdrawals per quarter. $15 per additional withdrawal. Promotion effective as of May 10, 2018. Rates are subject to change after promotional period. Fees may reduce earnings on the account. Contact First Southern Bank for more information on terms and fees.