A Special Note Regarding Your Privacy
We will NEVER email, text, or otherwise contact you and ask you for your username, password, account number, social security number, or other financial credentials. If you should receive a call, email or text asking for this information, do not respond. Please let us know immediately by calling us at 256-718-4200.
Home Equity Line of Credit
*Home equity line of credit rates are based on loan-to-value and credit worthiness. After the introductory fixed-rate period, the APR (Annual Percentage Rate) will be based on the prime rate plus a margin of .75%. As of August 1, 2021, the prime rate was 3.25%. Maximum lifetime rate on Home Equity Line of Credit is 18.00% APR.. Up to $500 in closing costs will be waived with a minimum advance at closing of $10,000 and maintained for 90 days. Depending on the credit limit, closing costs, and other fees are estimated to be between $300 and $1,500. However, costs may exceed this amount. If Home Equity Line of Credit falls below $10,000 in the first three(3) months, you will have to reimburse the amount of the closing cost paid on your behalf by the bank. You must carry insurance on property that secures this plan.
If you need to report a lost or stolen Debit Card issued by First Southern Bank, please call
If you need to report a lost or stolen Credit Card issued by First Southern Bank, please call