- Free checking that pays you back
- 2.50% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $280 in purchases monthly
- Earn up to $84 cash back per year, $7 per month
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free digital banking services^
- Free EMV debit card
- $100 minimum deposit to open
Because we instantly issue debit cards before you leave the branch, the $100 deposit ensures any immediate purchases are covered and helps prevent accidental overdrafts. There's no minimum balance requirement after 24 hours.
Please note that receiving e-statements is a condition of having this account.
Earning your rewards is easy! Just do a few simple things.
Enrollments must be in place and all of the following transactions and activities must post and settle to your Spark Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and log into online banking
And if you don’t meet these qualifications, don’t worry — your account is still free.
And you can get right back to earning your cash rewards the very next cycle that you qualify.
Open your account in just a few minutes by providing a few basic details.
What You’ll Need
Before you begin, please have the following documents ready:
-
Government-issued photo ID (Driver’s License, Passport, or State ID)
-
Social Security Number or Tax Identification Number
-
Proof of address (utility bill, bank statement, or lease agreement)
Opening an account only takes a few minutes and can be opened and funded completely online or at one of our branches.
Get started today and enjoy secure, convenient access to your account anytime.
^First three months of online bill pay are free; $5 monthly service charge thereafter.
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM- processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit [or credit] cards not issued by our credit union. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one(1) business day prior to the close of the current statement cycle.
Reward Information: When Spark Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.50% cash back on up to a total of $280.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $25 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Spark Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Spark Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $100 minimum deposit is required to open the account. Enrollment in online banking and receipt of e-statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements, etc) and log-ons may be required to meet some of the account’s qualifications. Limit 1 Spark Cash Back Checking per account. Contact one of our of service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
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% |