2019 Overview

General Credit Union Information

NCUA Insured No
Charter Number # # 97076
Date Established 1951
Assets $261.60 million
Loans $186.80 million
Deposits $238.19 million
Capital $25.48 million

Winsouth is located in Gadsden, Al. It was founded in 1951 and has approximately $261.6 millions in assets.

Who can join?

You are eligible to join if you fall within field of membership or work for one of their Select Employee Groups.

Field of Membership Restrictions

WinSouth Credit Union is headquartered in GADSDEN and is the 18th largest credit union in the state of Alabama. It is also the 848th largest credit union in the nation. It was established in 1951 and as of September of 2016, it had grown to 97 employees and 41,375 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.

Deposit Rates - May 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $1,000 $4,999 Learn MoreShow Less
Money Market
0.25% $10,000 $14,999 Learn MoreShow Less
Money Market
0.25% $15,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.90% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
Special: 6 Mo CD
1.60% $1,000 - Learn MoreShow Less
6 Mo CD
0.60% $1,000 - Learn MoreShow Less
12 Mo CD
0.90% $1,000 - Learn MoreShow Less
24 Mo CD
1.05% $1,000 - Learn MoreShow Less
36 Mo CD
1.25% $1,000 - Learn MoreShow Less
48 Mo CD
1.35% $1,000 - Learn MoreShow Less
60 Mo CD
1.55% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.75% $1,000 - Learn MoreShow Less

Loan Rates - May 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for WINSOUTH

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.905% 3.875% 0.38 $900 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to WINSOUTH
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Branches

Below are Winsouth branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Winsouth Locations


Financial Details

Winsouth Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Winsouth. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Winsouth U.S. Average
20.55% 7.49

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2018, Winsouth had $4,769,506 in non-current loans and $616,272 in owned assets. To cover these potential losses it had $25,476,578 in net worth and $728,619 in loans loss reserves. That gives it a Texas Ratio of 20.55%.

Net Worth
Winsouth U.S. Average
9.73% 13.61%

Winsouth FCU has a net worth of 9.73% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Winsouth

Branches and Savings

What is Winsouth?

A federal credit union, registered with the NCUA under certificate #97076.
Learn more about credit unions here.

Is Winsouth FDIC insured?

No, Winsouth credit union is not insured by the FDIC because it is not a bank. Because it is state chartered and not federally chartered, it is also not insured by the NCUA. Deposits may or may not be insured by private deposit insurance and you should check with the state chartering organization to confirm whether and to what level your deposits are required to be protected.

Who can join Winsouth?

Please see Field of Membership information above for information on who is eligible to join.

What are Winsouth's share account and share certificate rates?

Winsouth's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Winsouth?

Winsouth has total capital of $25.48 million. Full information on Winsouth's financial position is located above.

Who owns Winsouth?

Credit Unions are owned by their members.

Where are Winsouth branches located?

See branch locations nearby.

Are Winsouth ATMs Open 24/7?

Do Winsouth ATMs accept cash deposits?

Can Winsouth customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Winsouth have a mobile app?

Does Winsouth have mobile deposit?

Does Winsouth have quick pay?

How can Winsouth transfer money to other banks or credit unions?

Does Winsouth report to credit bureaus?

Does Winsouth use Chexsystems?

Does Winsouth use Equifax?

What is Winsouth's toll free phone number?

What is Winsouth's ACH Routing Number?

What is Winsouth's SWIFT code?

Where can I find Winsouth's wire transfer form?

What is the Winsouth address for deposits?

What Products Does Winsouth Offer

Does Winsouth offer mortgages?

Compare mortgage rates here.

Does Winsouth offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Winsouth offer auto and RV loans?

Compare auto loan rates here.

Does Winsouth offer student loans or personal loans?

Compare personal loan rates here.

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