WinSouth Credit Union

Competitive rates. All with you in mind.

 

Rates

 

Rates effective as of 11/22/13Print

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 Monthly  
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
.40%
.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
.40%
.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


72 Months
60 Months
48 Months
36 Months                            
 


2.74%
2.49%
1.98%
1.98%
 

Calculator
Calculator
Calculator
Calculator
Boats & RVs 84 Months
72 Months
60 Months
48 Months
5.48%
5.24%
5.00%
3.99%
Calculator
Calculator
Calculator
Calculator
Other Secured 60 Months
48 Months
4.99%
4.74%

Calculator
Share Secured 36 Months 3.00% Calculator
90 Day Note - Secured 90 Days 90 Days Collateral Rate Plus 1% Calculator
Certificate Secured   Term Certificate Plus 2% Calculator
Personal

Personal
Term

60 Months
48 Months
36 Months
24 Months
12 Months
Annual Percentage Rate

11.75%
10.45%
9.99%
9.49%
8.49%


Calculator
Calculator
Calculator
Calculator
Calculator
90 Day Note 90 Days 9.49% Calculator
Other

Credit Cards
Term Annual Percentage Rate

9.90% & 12%

 
 
Visa Classic

Overdraft Protection
  Payment = 3% of Balance

15.00%


Calculator
MFG Homes


MH no more than 7 year old; land no more than 30% app.

> $20,000
> $15,000
< $15,000
Term


15 year


84 Months
72 Months
60 Months
Annual Percentage Rate


8.00% Variable 1 year arm. 80% Appraised value.

10.49%
9.99%
9.49%
Calculator


Calculator


Calculator
Calculator

Real Estate Rates
All Loan APR rates quoted are subject to credit approval

Loan Type Term Annual Percentage Rate Calculator
1st Mortgage 20 Year


15 Year


10 Year


7 Year


up to 30 Yrs

 
4.00% Fixed
80% of Appraised value

3.00% Fixed
80% of Appraised value

3.00% Fixed
80% of Appraised value

3.00% Fixed
80% of Appraised value

3.25% 80% of Appraised value Fixed rate for 5 years
then ARM Margin 3.00% Max period cap 2% Max Term cap 6%
 
 
2nd Mortgage 1 Yr Variable Arm

10 Yr Fixed

5 Yr Fixed
5.75% 80% of Appraised value minus 1st Mortgage. Max annual increase 2%; max term increase 6%


5.75% 80% Appraised value minus 1st Mortgage

6.75% 80% Appraised value minus 1st Mortgage

6.00%  80% Appraised value minus 1st Mortgage
All above Mortgage Loans at a Very Low Closing Cost
 
 
Home Equity Line of Credit 15Yr 90% of Appraisal less 1st Mortgage. Up to 15 Years 3.25% Fixed Rate -1st Yr then Arm- Max per year-2% with a cap of 11.90%

No CLOSING COST 90% of Appraised Value
 
Calculator
Quick Close Loan 7 Yr Fixed 8.00% Up to $35K; 95% assesssed value minus 1st mortgage
 
 
Unimproved Property 10 Yr 6.75%-75% Appraised Value-Variable One Year Arm  

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.