The First South Financial FCU is a personal credit card from First South Financial FCU. The ongoing APR is 15.00% to 18.00% variable (rate table effective October 14, 2026) after a 0% introductory APR for 12 billing cycles on balance transfers introductory rate. Rewards: 1 point for every $1 in purchases, redeemable for merchandise or travel at CURewards.com; limited-time 3X travel rewards on purchases.