Winsouth Credit Union

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A short history of Winsouth CU

Since its inception in 1951 the Winsouth Credit Union has been serving its members in the GADSDEN, Alabama area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by DAVID EUBANKS, the Winsouth CU has grown its membership to over 42,019 with assets of more than $263,678,492. They have a main office and 8 branch offices. Please see the credit unions website or contact them by phone at (256) 543-7302 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in GADSDEN, AL.

General Information For Winsouth CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 97076
Address 110 S 26TH ST 
State Alabama 
Zip-Code 35904
Phone Number (256) 543-7302
Fax Number (256) 543-7387
Email Address: none
Members 42,019 
Full-Time Employees 99 
Part-Time Employees 17 
Number of Branch Offices
Total Assets 263,678,492 

Compare Winsouth Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Family Savings CU Cartersville 10 Fox Chase 30120 (770) 382-9597 No 4.04
Alabama Teachers CU Alabama Teachers Credit Union 230 US Highway 431 36204 (256) 238-1161 No 4.32
Landmark CU Landmark Credit Union 5705 Valley Rod 35064 (205) 783-9100 No 22.23
Northeast Alabama Postal CU Northeast Alabama POstal FCU 200 S Quintard Ave 36202 (256) 237-4259 No 28.63
Fort Mcclellan CU JACKSONVILLE 1204 CHURCH AVE SE 36265 (256) 435-5741 No 28.79

Winsouth Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Winsouth Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 2.23 2.23 3.25 6.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 55 34 44 341
Rank Among All Alabama Credit Unions 17 5 2 3 34

Winsouth Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.25 0.25 0.80 0.80
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 95 105 207 184
Rank Among All Alabama Credit Unions N/A 16 15 23 17
Winsouth Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9903,1413,705,031
All Other Unsecured Loans/Lines of Credit 9.4906,2058,283,615
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.2303327,459,911
Used Vehicle Loans 2.2305,85667,523,977
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.2501,01363,467,759
Total Other Real Estate Loans/Lines of Credit 6.0002975,632,070
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.4901,15521,177,486
TOTAL LOANS & LEASES 17,999177,249,849

Winsouth Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 15913,619,68600
    b. 15 Years or less 69236,265,35600
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 16213,582,71700


Closed-End Fixed Rate 375,79800
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2945,556,27200
Open-End Fixed Rate 0000
TOTALS 1,31069,099,82900


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Winsouth Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes