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 13.00% to 18.00% variable (rate table effective October 14, 2026) after a 3.99% introductory APR for 6 months on purchases and balance transfers introductory rate for 6 months. Typical credit limit: Credit limits up to $50,000.