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Advertiser Disclosure
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 Winsouth Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 15, 2026
Winsouth Credit Union's 6 month special CD rates are at 3.95%, New CD 6 month special rates are at 3.95%, 12 month special CD rates are at 3.80%, New CD 12 month special rates are at 3.80%, 24 month CD rates are at 3.75%. Winsouth Credit Union's savings rates are at 0.10%. Winsouth Credit Union's money market rates are at 1.50%. Winsouth Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Winsouth Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.57%. Rates were last updated on 03/15/2026. Winsouth Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Winsouth Credit Union? Share your experience about Winsouth Credit Union by leaving a review below, or read customer reviews before you decide to use Winsouth Credit Union. 
Winsouth Credit Union CD Rates
Winsouth Credit Union Savings Rates
Winsouth Credit Union Money Market Rates
Winsouth Credit Union Home Equity & HELOC
Winsouth Credit Union Auto Loan Rates
Winsouth Credit Union Credit Card Rates
Winsouth Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Winsouth Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Winsouth Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Winsouth Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Winsouth Credit Union
Website
https://www.winsouthcu.com
Address
110 S 26TH ST,
GADSDEN, AL 35904 1935
Phone
256-543-7302
Fax
256-543-7387
President
RONALD PATRICK
CEO
DAVID EUBANKS
Full-Time Employees
101
Part-Time Employees
20
Branch Locations
9
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.57%
Return on Assets (ROA)
0.0771%
Return on Equity (ROE)
0.7175%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
398,953,120
Total Amount of Shares and Deposits
380,553,067
Total Shares and Deposits < 1 Year
369,908,829
Total Shares and Deposits 1 3 Years
7,183,734
Total Shares and Deposits > 3 Years
3,460,504
Total Interest Expense (Sum of items 6 8)
1,351,506
Share Certificates
2,420
Number of Accounts for Share Drafts
23,955
IRA KEOGH Accounts
596
Number of Accounts for Regular Shares
36,190
All other shares
4,613
Money Market Shares
415
Net Income (unless the amount is already included in Undivided Earnings)
200,342
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,069,058
Total Liabilities
379,246,118
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About Winsouth Credit UnionIs Winsouth Credit Union a safe place to deposit money?Yes, Winsouth Credit Union is considered a safe financial institution. With a Texas Ratio of 2.5697523231023%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Winsouth Credit Union operate?Winsouth Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Winsouth Credit Union?Yes, to access services at Winsouth Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Winsouth Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Winsouth Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Winsouth Credit Union offer online and mobile banking?Most modern institutions like Winsouth Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.winsouthcu.com. Current Winsouth Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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