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Current Rates

Rates Effective: April 24, 2014 -  Please scroll down to view our account specials and additional disclosures.
Account type Minimum Balance
to Open
Minimum Balance
to Obtain APY*
  Rate   Annual Percentage Yield
CD - 91 Day $1,000.00 $1,000.00 .10% .10%
CD - 182 Day $1,000.00 $1,000.00 .25% .25%
CD - 12 Month $1,000.00 $1,000.00 .35% .35%
CD - 18 Month $1,000.00 $1,000.00 .45% .45%
CD - 24 Month $1,000.00 $1,000.00 .55% .55%
CD - 30 Month **Special** $1,000.00 $1,000.00 1.25% 1.25%
CD - 36 Month $1,000.00 $1,000.00 .75% .75%
CD - 48 Month $1,000.00 $1,000.00 .95% .95%
CD - 60 Month $1,000.00 $1,000.00 1.50% 1.50%
 
IRA-Trad/Roth 12 Mth $100.00 $100.00 .35% .35%
IRA-Trad/Roth 24 Mth $100.00 $100.00 .55% .55%
IRA-Trad/Roth 36 Mth $100.00 $100.00 .75% .75%
IRA-Trad/Roth 48 Mth $100.00 $100.00 .95% .95%
IRA-Trad/Roth 60 Mth $100.00 $100.00 1.50% 1.51%
 
VIP Free Interest CHKG $50.00 NO MINIMUM 0.10% 0.10%
50+ Free Interest CHKG $50.00 NO MINIMUM 0.10% 0.10%
Southern Advantage Checking ($0 - $2,499) $50.00 $0.00 - $2,499.99 0.10% 0.10%
Southern Advantage Checking ($2,500 & Above) $2,500.00 $2,500.00 and above 0.25% 0.25%
Business CHKG with Interest ($0 - $2,499) $50.00 $0.00 - $2,499.99      0.10%           0.10%
Business CHKG with Interest ($2,500 & Above) $2,500.00 $2,500.00 and above      0.25%           0.25%
 
Statement Savings $25.00 $25.00 0.15% 0.15%
 
Money Market ($500.00 - $49,999.99) $500.00 $500.00 - $49,999.99 0.15% 0.15%
Money Market ($50,000.00 - $99,999.99) $50,000.00 $50,000.00 - $99,999.99 0.20% 0.20%
Money Market ($100,000.00 - $249,999.99) $100,000.00 $100,000.00 - $249,999.99 0.25% 0.25%
Money Market ($250,000.00 & Above) $250,000.00 $250,000.00 and above 0.35% 0.35%
 
Rates are subject to change daily.
* APY is Annual Percentage Yield
Interest paid on Account Types listed as CD's (Certificates of Deposit) is not compounded and cannot be credited to the certificate. A penalty may be imposed for early withdrawal.
Interest paid on Account Types listed as IRA's (Individual Retirement Accounts) is compounded. A penalty may be imposed for early withdrawal.
Checking, Savings and Money Market products listed under "Account Types" above are products with rates that are subject to change after an account is opened and at the discretion of First Southern Bank. These accounts may also charge fees which will reduce earnings.