Tell us your financial goal!  We’re ready to assist you in purchasing, building, or renovating a house, taking that dream vacation, buying a car, or consolidating your debts. Our team of experienced First Southern lenders offer a wide array of flexible loan options. With competitive interest rates and prompt processing, we can quickly turn your dreams into reality.

Construction Loans

Ready to build your dream home? Our First Southern lenders can offer interest only financing with incremental draws to meet your needs for cash during the construction process. Save money by paying monthly interest only on the amount you’ve borrowed from your construction account. When your project is complete, we can also save you time and money by converting your construction loan into one of our long term mortgage products.


Buying a new house? Remodeling your current home? Converting your construction loan to a long term product? Our experienced financial professionals are ready to help! Let our experienced mortgage lenders tailor a loan to fit your needs and your budget! We offer multiple loan options including fixed and adjustable rate mortgages. Our seasoned, in-house Loan Processors are dedicated to making your loan process quick and easy!

Looking for a long term, fixed rate home loan? We offer great fixed rates for 15 to 30 years to turn your dream of home ownership into reality. Ask us about the long term fixed rate financing options.

Consumer Credit Cards

Looking for a rewards credit card with great benefits and discounts? Our Visa Platinum credit card offers worldwide acceptance with personal service from people you know, and much more! First Southern State Bank is pleased to offer consumer credit cards through our partnership with TCM Bank, N.A., a company that specializes in credit card services offered through community banks.

Our consumer credit cards offer…

  • Special balance transfer rates!
  • Competitive interest rates
  • No Annual Fee*
  • Earn one point for every dollar in net retail purchases. There’s no cap on how many points you earn!
  • Visit to redeem points for merchandise, rental cars, cruises, hotels or airline travel-with fewer restrictions, and no blackout dates.
  • Online account information

Apply online or speak to one of our bankers about your credit card needs today!

*See the card application’s Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. pursuant to a license from Visa U.S.A., Inc.