WINSOUTH

110 S 26TH ST
Gadsden, AL 35904

 

2019 Overview

General Credit Union Information

NCUA Insured No
Charter Number # # 97076
Date Established 1951
Assets $266.28 million
Loans $191.39 million
Deposits $244.01 million
Capital $24.67 million

Winsouth is located in Gadsden, Al. It was founded in 1951 and has approximately $266.28 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 - March 24, 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 - March 24, 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
5.125% 5.125% 0.00 $0 $1,362 Learn More
PenFed Credit Union
NMLS ID: 401822
4.250% 4.125% 0.50 $3,750 $1,212 Learn More
Rocket Mortgage
NMLS ID: 3030
4.560% 4.560% 0.00 $0 $1,276 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

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

Note to WINSOUTH
To upload and update your bank's rates please register. It is free to register and add rates.

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
18.87% 6.94

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 March 31, 2018, Winsouth had $4,193,940 in non-current loans and $613,220 in owned assets. To cover these potential losses it had $24,665,649 in net worth and $816,029 in loans loss reserves. That gives it a Texas Ratio of 18.87%.

Net Worth
Winsouth U.S. Average
9.26% 13.08%

Winsouth FCU has a net worth of 9.26% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for WINSOUTH

There are currently no comments for WINSOUTH. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →