WinSouth Credit Union

Overview / Commentary
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 849th largest credit union in the nation. It was established in 1951 and as of March of 2022, it had grown to 94 employees and 35,802 members at 11 locations. WinSouth Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.

Reviews (1)

Don’T Bank With Them! It’S A NIGHTMARE!

Posted by: |

They place 10 day holds on every check you deposit. I’ve had an account that was hacked back in 2017 or 2018. I got a new debit card, because they said that would fix the issue. That didn’t work, so they said they would put a lock on the account and only deposits would be allowed. I agreed, and now people are trying to take money from the same account again! I’ve emailed them and even spoken with them on the phone. Well, I just got charged another $30.00 because someone tried taking money out of the account. I’ve told them I did not approve these transactions, yet they refuse to return the money they have taken from my account for bogus fees. I’m closing all of my accounts with them first thing Monday morning. I make damn good money, and yet I have to pay someone a percentage of my check each week so I can get my check cashed. If not, the bank puts a 10 hold on my checks. They said it’s their company policy that all checks by all members have a 10 day hold including payroll checks. That’s bull! I’m done! I’ve heard Liberty Bank is good. Maybe I’ll go there.


Health Grade Components

NCUA #97076
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD1.2%
Return on Equity - YTD18.09%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$386.6MM$380.1MM
LoansQ1 2022vs Q1 2021$191.5MM$184.3MM
DepositsQ1 2022vs Q1 2021$358.6MM$347.7MM
Equity CapitalQ1 2022vs Q1 2021$25.5MM$30.4MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.2MM$1.3MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$312.00K$245.00K
Real Estate OwnedQ1 2022vs Q1 2021$0$552.00K
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Always verify rates and promotions with the bank or credit union. We are not WinSouth Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.30%--IRA Club Account 66
0.25%$1k-Super Savings
0.10%$2k-Share Savings Account
0.10%$5-Vacation Club
0.10%$5-Christmas Club

WinSouth Credit Union Money Market Rates

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

WinSouth Credit Union Checking Account Rates

2.00%*-$10kKasasa Cash Checking
OTHER TIERS: 0.25% $10k+

WinSouth Credit Union CD Rates

0.85%$1k-60 Month CD
0.75%$1k-48 Month CD
0.65%$1k-36 Month CD
0.55%$1k-24 Month CD
0.45%$1k-12 Month CD
0.30%$1k-6 Month CD

WinSouth Credit Union IRA Rates

0.85%$1k-60 Month IRA CD
0.75%$1k-48 Month IRA CD
0.65%$1k-36 Month IRA CD
0.55%$1k-24 Month IRA CD
0.45%$1k-12 Month IRA CD
0.30%$1k-6 Month IRA CD


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