WinSouth Credit Union

Competitive rates. All with you in mind.

 

Rates

 

Rates effective as of 04/03/2015Print

Deposit Accounts | Consumer Loan Rates | Real Estate Rates
 

Deposit Accounts

Account Type Minimum
Balance
Annual
Percentage Yield
Calculator
Shares $25.00 0.25% Compounded Monthly
*On balances of $2,000 or greater
 
Super Savings $1,000.00 0.50% Compounded Monthly  
Vacation Club $5.00 .25% Compounded Monthly  
Christmas Club $5.00 .25% Compounded Annually  
Share Draft Check Order Amount 0.00% Compounded Monthly  
Money Market Balance Required

$1,000 - $4,999
Annual Percentage Yield
.25%
 
Interest is Compounded Monthly on all Money Market Accounts! $5,000 - $9,999
$10,000 - $14,999
$15,000 - $49,999
$50,000 - $99,999
$100,000 - $199,999
$200,000 & over
.25%
.25%
.25%
.35%
.35%
.50%
 
Share Certificate Term Annual Percentage Yield  
$1000 minimum opening balance 6 Month
12 Month
.30%
.55%
 
All Terms of Share Certificates are Compounded Monthly! 24 Month

36 Month
48 Month
60 Month
.80%

1.00%
1.25%
1.55%
 
Individual Retirement Account Term Annual Percentage Yield  
$1000 minimum opening balance 6 Month
12 Month
.30%
.55%
 
IRA CLUB ACCOUNT 66   .75%
 
 
All Terms of IRA Share Certificates are Compounded Monthly! 24 Month

36 Month
48 Month
60 Month
.80%

1.00%
1.25%
1.55%
 

Consumer Loan Rates
All Loan APR rates quoted are subject to credit approval

Loan Type Term Annual Percentage Rate Calculator
Automobiles

84 Months
72 Months
60 Months
48 Months
36 Months                            
 

3.48%
2.73%
2.23%
1.98%
1.98%
 

Calculator
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Calculator
Calculator
Boats & RVs 84 Months
72 Months
60 Months
48 Months
5.99%
4.49%
3.49%
2.99%
Calculator
Calculator
Calculator
Calculator
Motorcycles & Side by Sides 72 Months
60 Months
48 Months
36 Months
4.50%
4.00%
3.75%
3.50%
 
Other Secured 60 Months
48 Months
4.99%
4.49%

Calculator
Share Secured 36 Months Share rate plus 2%-Min 3% Calculator
90 Day Note - Secured 90 Days 90 Days Collateral Rate Plus 1% Calculator
Certificate Secured   Term Certificate Plus 2% Calculator

Personal Loans

 

 


Term
60 Months
48 Months
36 Months
24 Months
12 Months

Annual Percentage Rate
11.24%
10.24%
9.49%
8.99%
7.99%


Calculator
Calculator
Calculator
Calculator
Calculator
90 Day Note UNSECURED 90 Days 12 month unsecured rate plus 1% Calculator
Other

Credit Cards
Term Annual Percentage Rate

9.90% & 12%

 
 
Visa Classic

Overdraft Protection
  Payment = 3% of Balance

15.00%


Calculator

Real Estate Rates

Winsouth offers both fixed and variable rate mortgages.
Please contact your local office for current rates or
Click below for a personalized quote

Personalized Quote

Terms and conditions are subject to change without notice. Some restrictions may apply. All loan APR rates quoted are subject to credit approval and rates may vary based on individual creditworthiness. Please contact a WinSouth Credit Union Employee for further information about applicable fees and terms.

The above rates represent the lowest possible rate for each term and loan type.  Individual rates vary based upon individual credit worthiness.  Example: A 5 year (60 month) fixed-rate loan for a $25,000 car.  Based on an APR of 2%, this loan would have a monthly payment of $438.23.