WinSouth Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.winsouthcu.com

256-543-7303

110 S. 26Th St
Gadsden, AL 35904

WinSouth Credit Union is headquartered in GADSDEN and is the 16^th largest credit union in the state of Alabama. It is also the 793^rd largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 103 employees and 36,115 members at 9 locations. WinSouth Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in WinSouth Credit Union is open to those who live, work, or is a member of a social or economic group in the Alabama counties of Blount, Calhoun, Cherokee, Cleburne, Cullman, DeKalb, Etowah, Jackson, Jefferson, Madison, Marshall, Morgan, Shelby, St. Clair, or Talladega.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	97076
Year Chartered	1951
Employees	103
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	9.02%
Annual Interest Income	$5.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$456.9MM$399MM
Loans	Q1 2025vs Q1 2024	$276.7MM$271.8MM
Deposits	Q1 2025vs Q1 2024	$425.9MM$380.6MM
Equity Capital	Q1 2025vs Q1 2024	$27.9MM$18.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.2MM$2.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.1MM$1.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$339K$377K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for WinSouth Credit Union are currently being reviewed.

Locations

WinSouth Credit Union Locations
Branch Office	199 INDEPENDENT DR	RAINBOW CITY, AL 35906
Branch Office	101 DRINKARD DR NW	FORT PAYNE, AL 35967
Corporate Office	110 S 26TH ST	GADSDEN, AL 35904-1935
Branch Office	3512 US Highway 431	ALBERTVILLE, AL 35950-0204
Branch Office	320 ALBERT RAINS BLVD	GADSDEN, AL 35901
Branch Office	67 ROY SANDERSON AVE	RAINSVILLE, AL 35986
Branch Office	201 3RD ST S	ONEONTA, AL 35121-2184
Branch Office	2460 Moody Pkwy	Moody, AL 35004
Branch Office	2950 Cogswell AVe	Pell City, AL 35125

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