WinSouth Credit Union


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 896th largest credit union in the nation. It was established in 1951 and as of June of 2020, it had grown to 90 employees and 33,135 members at 8 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

Health Grade Components

Overall
NCUA #97076
Year Chartered1951
Employees90
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD3.77%
Annual Interest Income$4.7MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$298.3MM$269.2MM
LoansQ2 2020vs Q2 2019$171.0MM$181.5MM
DepositsQ2 2020vs Q2 2019$273.3MM$246.1MM
Equity CapitalQ2 2020vs Q2 2019$22.5MM$23.4MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.1MM$715.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$707.00K$1.3MM
Real Estate OwnedQ2 2020vs Q2 2019$436.00K$695.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

WinSouth Credit Union Checking Account Rates

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

WinSouth Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
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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