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Overview / Commentary
256-543-7302
110 S. 26Th St
Gadsden, AL 35904

WinSouth Credit Union is headquartered in GADSDEN and is the 19th largest credit union in the state of Alabama. It is also the 865th largest credit union in the nation. It was established in 1951 and as of March of 2018, it had grown to 99 employees and 34,269 members at 8 locations. WinSouth Credit Union's money market rates are 14% higher than the national average, and it has a B health rating.

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Health

Health Grade Components

Overall
NCUA #97076
Year Chartered1951
Employees99
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD5.7%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$266.1MM$262.5MM
LoansQ1 2018vs Q1 2017$182.7MM$173.6MM
DepositsQ1 2018vs Q1 2017$244.5MM$241.3MM
Equity CapitalQ1 2018vs Q1 2017$21.2MM$19.7MM
Loan Loss AllowanceQ1 2018vs Q1 2017$774.00K$833.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$2.4MM$1.1MM
Real Estate OwnedQ1 2018vs Q1 2017$640.00K$756.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

WinSouth Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--IRA Club Account
0.50%$1k-Super Savings
0.25%$2k-Share Savings Account
0.25%--Vacation Club
0.25%--Christmas Club

WinSouth Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$200k*-Money Market
OTHER TIERS: 0.25% $1k - $50k | 0.35% $50k - $200k

WinSouth Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$1k-60 Month CD
1.25%$1k-48 Month CD
1.00%$1k-36 Month CD
0.80%$1k-24 Month CD
0.55%$1k-12 Month CD
0.30%$1k-6 Month CD

WinSouth Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$1k-60 Month IRA CD
1.25%$1k-48 Month IRA CD
1.00%$1k-36 Month IRA CD
0.80%$1k-24 Month IRA CD
0.55%$1k-12 Month IRA CD
0.30%$1k-6 Month IRA CD
Locations


WinSouth Credit Union Locations
Branch Office5674 AL Highway 68COLLINSVILLE, AL 35961-4160
Branch Office199 INDEPENDENT DRRAINBOW CITY, AL 35906
Branch Office101 DRINKARD DR NWFORT PAYNE, AL 35967
Corporate Office110 S 26TH STGADSDEN, AL 35904-1935
Branch Office3512 US Highway 431ALBERTVILLE, AL 35950-0204
Branch Office320 ALBERT RAINS BLVDGADSDEN, AL 35901
Branch Office67 ROY SANDERSON AVERAINSVILLE, AL 35986
Branch Office201 3RD ST SONEONTA, AL 35121-2184

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