Credit Card Features
Cardholders can manage their credit cards in one place now, with one simple login! Sign in to your digital banking to make a payment, redeem your rewards, view transactions, pull statements, or manage your card's status. Once signed in, select Cards HQ. Our credit card program also includes UChoose Rewards, 24/7 credit card support, tools to manage card and spending, and improved fraud prevention technology for safer and more secure spending.
Credit Card Details:
- Earn 1.25 points per dollar spent
- No annual fee
- Rates as low as 9.9%
- Control and manage your card through Cards HQ
- Enjoy increased purchasing flexibility
- Add your WinSouth credit card to your mobile* wallet
- Easily make purchases in stores across the globe and online, anywhere VISA is accepted
- Manage your credit card account easily through your mobile or online banking
- Once logged in to digital banking, select Cards HQ. Here you can set alerts, turn your card on or off, make payments, manage rewards, and much more!
*Only available with certain phone carriers and phone models
Earning rewards is easy! Earn 1.25 points per dollar spent. If you and your significant other each have a credit card with WSCU, those points can be pooled. To redeem your rewards sign in to your CardsHQ account inside digital banking.
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- Points can be redeemed for:
- Merchandise
- Travel
- Entertainment
- Cash back to your credit card
- Gift card
- Charitable gift card
- Points can be redeemed for:
Through our new digital banking experience, we're able to offer you card controls at your fingertips. Lost your debit or credit card? No worries. Through Cards HQ you can turn your card on and off and report lost or stolen. Cards HQ can be found within online banking and the mobile banking app. Check out more convenient features that are offered through Cards HQ!
- Manage Travel Plans
- Set travel notices on your card(s) for uninterrupted purchases during travel.
- View Card Transactions and Statements
- View Your Digital Card
- Securely access card credentials without a physical card.
- Report Card Lost or Stolen
- Easily detect fraud, report card lost, and request replacement cards.
- Controls and Alerts
- Users can set alerts for transactions at a certain location, merchant, or by transaction type.
- Users can also set limits on when, where, and how cards are used.
- On and Off Feature
- Lost card? Suspected Fraud? Easily turn your card off and back on when you're ready.
- Spending Insights
If you have credit card alerts currently set up, these will not transfer over. Members will need to reestablish alerts through Cards HQ.
Consolidate your debt with a balance transfer.
Get started in two easy steps:
- Apply for a WinSouth VISA credit card.
- Once approved, complete the balance transfer form.
Existing cardholders only need to complete the balance transfer form. This can be done here or in person at one of the branches.
Rates and terms subject to change without notice. Subject to membership and credit worthiness. Your credit card's normal APR* and normal finance charges apply to balances other than the transferred balance, such as purchases and cash advances. Currently, this APR is 9.9% but is subject to change. You may only transfer balances up to the amount of your credit limit. Balance transfers do not earn rewards. Balance transfers have no grace periods and may take up to 45 days to complete. You are responsible to pay any minimum balances to prevent fees from being incurred. WinSouth does not reimburse fees from other credit card providers. No annual fee. You must be at least 18 years of age. Other terms and conditions apply. APR*=Annual Percentage Rate.
For assistance with your WinSouth Credit Union Visa credit card, please see the information below:
- Visa Credit Card Customer Service: 888-999-7552
- Visa Credit Card Fraud Service Center: 888-999-7552
- To report a lost or stolen credit card: Call 888-999-7552 or report your card lost or stolen through Cards HQ located inside your digital banking.
- To place a travel notice on your card: 800-757-7302 (press 2 for card services during regular business hours) or you can set travel notices through Cards HQ inside your digital banking
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Boat & RV Loans
| Term | APR |
|---|---|
| 144 months | 7.35% |
| 120 months | 7.10% |
| 84 months | 6.50% |
| 60 months | 6.00% |
| 48 months | 5.75% |
| 36 months | 5.75% |
| 12 months | 5.75% |
Credit Cards
| Card Type | APR | Payment |
|---|---|---|
| Visa Classic | 9.90% - 13.50% | 3% of balance |
Individual Retirement Accounts
| Term | Minimum Opening Balance | APY |
|---|---|---|
| 6 month | $1,000 | 0.70% |
| 6 month special | $1,000 | 3.95% |
| 12 month | $1,000 | 0.85% |
| 12 month special | $1,000 | 3.80% |
| 24 month | $1,000 | 3.75% |
| 36 month | $1,000 | 3.75% |
| 48 month | $1,000 | 3.75% |
| 60 month | $1,000 | 3.75% |
| IRA Club Account 66 | $1,000 | 0.30% |
Penalty for early withdrawal
Money Market Accounts
| Balance Required | APY |
|---|---|
| $1,000 - $4,999 | 1.50% |
| $5,000 - $9,999 | 1.50% |
| $10,000 - $14,999 | 2.00% |
| $15,000 - $49,999 | 2.50% |
| $50,000 - $99,999 | 2.75% |
| $100,000 - $199,999 | 2.75% |
| $200,000+ | 2.75% |
Loan Rates
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 below 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 6.00%, this loan would have a monthly payment of $483.32.
Motorcycles & Side by Sides
| Term | APR |
|---|---|
| 72 months | 7.25% |
| 60 months | 6.75% |
| 48 months | 6.50% |
| 36 months | 6.25% |
| 12 months | 6.25% |
New Auto Loans
| Term | APR |
|---|---|
| 84 months | 6.10% |
| 72 months | 5.30% |
| 60 months | 5.00% |
| 48 months | 4.85% |
| 36 months | 4.85% |
| 12 months | 4.85% |
Personal Loans
| Term | APR |
|---|---|
| 60 months | 12.74% |
| 48 months | 11.74% |
| 36 months | 10.99% |
| 24 months | 9.99% |
| 12 months | 8.99% |
| 90 Day Note Unsecured | 12 month unsecured rate + 1% |
| Overdraft Protection | 15.00% |
Real Estate
Winsouth offers both fixed and variable rate mortgages.
Please contact your local office for current rates or click below for a personalized quote.
Secured Loans
| Loan Type | Term | APR |
|---|---|---|
| Other Secured | 60 months | 7.25% |
| Other Secured | 48 months | 6.75% |
| Other Secured | 36 months | 6.50% |
| Other Secured | 12 months | 6.50% |
| Share Secured | 36 months | Share rate + 2%* |
| Share Secured | 12 months | Share rate + 2%* |
| Secured 90 Day Note | 90 days | Collateral rate + 1% |
| Certificate Secured | Certificate term | Certificate rate + 2%* |
*Minimum rate 3%
Share Accounts
| Account | Minimum Opening Deposit | Minimum Balance to Earn Dividends | APY |
|---|---|---|---|
| Share Savings | $25 | $2,000 | 0.10% |
| Super Savings | $1,000 | $1,000 | 0.25% |
| Whatever Savings | $5 | $5 | 0.10% |
| Christmas Club | $5 | $5 | 0.10% |
Share Certificate
| Term | Minimum Opening Balance | APY |
|---|---|---|
| 6 month | $1,000 | 0.70% |
| 6 month special | $1,000 | 3.95% |
| 12 month | $1,000 | 0.85% |
| 12 month special | $1,000 | 3.80% |
| 24 month | $1,000 | 3.75% |
| 36 month | $1,000 | 3.75% |
| 48 month | $1,000 | 3.75% |
| 60 month | $1,000 | 3.75% |
Used Auto Loans
| Term | APR |
| 84 Months | 6.25% |
| 72 Months | 5.45% |
| 60 Months | 5.15% |
| 48 Months | 5.00% |
| 36 Months | 5.00% |
| 12 Months | 5.00% |