The First South Financial FCU is a personal credit card from First South Financial FCU. The annual fee is No annual fee. The ongoing APR is 17.00% to 18.00% variable (rate table effective October 14, 2026) after a 0% introductory APR for 12 billing cycles on balance transfers introductory rate. Signup bonus: 10,000 bonus points when you spend $1,000 in the first 90 days. Rewards: 1.5 points for every dollar spent on purchases; limited-time 3X travel rewards on purchases.