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Certificates of Deposit


First Southern Bank offers a variety of Certificates with competitive terms and rates. A certificate is a time deposit account that earns interest for a specified term. Earn a fixed, guaranteed yield with this safe FDIC-insured investment.

It can be used essentially as a savings account because it restricts the holder from withdrawing funds on demand. Although it is still possible to withdraw the money, this action will incur a penalty if the Certificate has not reached maturity.

Contact one of our Customer Service Representatives for questions or assistance.


Individual Retirement Account      
First Southern Bank is always willing to help you plan for financial success. Individual Retirement Accounts are a great way to prepare for the future. Contact one of our Customer Service Representatives for qualification requirements or any details concerning these retirement accounts.

We can help you with:

  • Traditional IRA - A Traditional IRA is a retirement account that offers tax-deferred earnings and the potential for contributions that are tax-deductible. Traditional IRA earnings are taxed upon withdrawal.
  • Roth IRA - The Roth IRA is a retirement account in which non-deductible contributions can grow tax free and can be withdrawn tax free upon retirement.