|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Winsouth Credit Union Rates & Review September 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 and Verified: September 14, 2026
Winsouth Credit Union's 12 Month CD Special rates are at 4.10%, 6 Month CD Special rates are at 4.00%, 24 Month CD rates are at 3.75%, 36 Month CD rates are at 3.75%, 48 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 as low as 8.99%. Winsouth Credit Union's Credit Card Rates are at 9.90%. 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 3.99%. Rates last updated and verified on 09/14/2026. 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 Checking Rates
Winsouth Credit Union Home Equity & HELOC
Winsouth Credit Union Auto Loan Rates
Winsouth Credit Union RV, Boat and Powersport Loan Rates
Winsouth Credit Union Credit Card Rates
Winsouth Credit Union Personal Loan Rates
Winsouth Credit Union Other Rates
Financial Health HistoryWinsouth Credit Union’s Texas Ratio stayed near 4.36% in Q2 2025 to 3.99% in Q1 2026, so its financial health has stayed very strong over the past 4 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
DON SMITH
CEO
DAVID EUBANKS
Full-Time Employees
107
Part-Time Employees
18
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+ (98/100)
Texas Ratio
3.99%
Return on Assets (ROA)
0.1643%
Return on Equity (ROE)
1.5759%
Non-Performing Loans Ratio (NPL)
0.68%
Total Assets
468,908,433
Total Amount of Shares and Deposits
431,350,125
Total Shares and Deposits < 1 Year
424,447,484
Total Shares and Deposits 1 3 Years
4,445,401
Total Shares and Deposits > 3 Years
2,457,240
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
31,304,648
Total Uninsured Shares and Deposits > $250K (F+J)
31,304,648
Total Insured Shares and Deposits > $250K (item 17 less item K)
400,045,477
Total Interest Expense (Sum of items 6 8)
1,675,343
Share Certificates
3,347
Number of Accounts for Share Drafts
24,331
IRA KEOGH Accounts
607
Number of Accounts for Regular Shares
35,752
All other shares
4,407
Money Market Shares
433
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
46,139,757
Total Liabilities
434,485,407
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Winsouth Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Winsouth Credit Union
Frequently Asked Questions About Winsouth Credit UnionHow 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.
Compare to Other Credit Unions
Achieve Financial Credit Union
Mocse Federal Credit Union
Midflorida Credit Union
Rocky Mountain Credit Union
SESLOC
Listerhill Credit Union
SEA WEST COAST GUARD
Liberty First Credit Union
First Credit Union
Owensboro Federal Credit Union
Security Credit Union
Trailhead Federal Credit Union
OTIS
NEXT STEP
TRANSPORTATION
MTCU Credit Union
Lufkin Federal Credit Union
P&S Credit Union
SUMA Federal Credit Union
Antioch Credit Union
Quincy Postal Employees Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking