Holiday Closing: Southern First Bank will be closed Monday, May 28th in observance of Of Memorial Day.


SOUTHERN FIRST BANK

Rates Policy

Checking Accounts

eSouthern First

  • Non-Interest Bearing Account
Minimum Funding AmountFees & Details
$100$1.00 per month for paper statements

Savings Accounts

eFirst Savings

  • Interest Bearing Account
  • No Minimum Daily Balance Required
  • Interest Compounds Daily and is Credited to account quarterly
Minimum Funding AmountFees & Details
$100
  • $10 excess withdrawal fee for electronic withdrawals or transfers in excess of six per month, fees will be charged quarterly
  • $1.00 per month for paper statements
Rate Information
Balances ThroughInterest RateAnnual Percentage Yield (APY)
No Minimum.0005%.05%

Money Market Accounts

eClientFIRST Money Market

  • Interest Bearing Account
  • $5,000 minimum balance to open
  • $5,000 minimum daily balance required to earn interest
  • Interest Compounds Daily and is Credited to your account per Statement Cycle
Minimum Funding AmountFees & Details
$5,000
  • $15 service fee per statement cycle if daily balance is below $5,000
  • $10 excess withdrawal fee in excess of six per statement cycle
  • $1.00 per month for paper statements
Rate Information
Balances ThroughInterest RateAnnual Percentage Yield (APY)
$4,999.99.0001%.00%
$5,000.00-$24,999.99.1000%.10%
$25,000.00-$49,999.99.1500%.15%
$50,000.00-$99,999.99.1500%.15%
$100,000.00-$149,999.99.2000%.15%
$150,000.00-$249,999.99.2000%.20%
Balances Over $249,999.99.2000%.20%

Certificate of Deposit Accounts

e-6 Month CD

  • Interest Bearing Account
  • $1,000 minimum balance to open
  • Interest Compounds Daily and is credited to your account per Account Agreement
Minimum Funding AmountFees & Details
$1,000
  • Penalties may apply for early withdrawals
Rate Information
Balances ThroughInterest RateAnnual Percentage Yield (APY)
$24,999.99.2000%.20%
$25,000.00-$49,999.99.2000%.20%
$50,000.00-$99,999.99.2000%.20%
$100,000.00-$149,999.99.2500%.25%
$150,000.00-$249,999.99.2500%.25%
Balances Over $249,999.99.3000%.30%

e-12 Month CD

  • Interest Bearing Account
  • $1,000 minimum balance to open
  • Interest Compounds Daily and is credited to your account per Account Agreement
Minimum Funding AmountFees & Details
$1,000
  • Penalties may apply for early withdrawals
Rate Information
Balances ThroughInterest RateAnnual Percentage Yield (APY)
$24,999.99.2000%.20%
$25,000.00-$49,999.99.2000%.20%
$50,000.00-$99,999.99.2500%.25%
$100,000.00-$149,999.99.3000%.30%
$150,000.00-$249,999.99.3000%.30%
Balances Over $249,999.99.3500%.35%

e-24 Month CD

  • Interest Bearing Account
  • $1,000 minimum balance to open
  • Interest Compounds Daily and is credited to your account per Account Agreement
Minimum Funding AmountFees & Details
$1,000
  • Penalties may apply for early withdrawals
Rate Information
Balances ThroughInterest RateAnnual Percentage Yield (APY)
$24,999.99.3000%.30%
$25,000.00-$49,999.99.3000%.30%
$50,000.00-$99,999.99.3000%.30%
$100,000.00-$149,999.99.3500%.35%
$150,000.00-$249,999.99.3500%.35%
Balances Over $249,999.99.3500%.40%