- Competitive dividends on balances of $1,000 or more
- Tiered rate structure; higher balances earn higher rates
- Enjoy flexibility with enhanced access to funds, including direct check writing
- No monthly service fees
- Free digital banking services*
- Free EMV debit card
- $1,000 minimum deposit to open
Looking for a way to invest without tying up funds? Look no further than our money market account. Enjoy the high interest of a savings account with the flexibility of a checking account. Earn 2.75% APY* when you deposit $50,000 or more in your money market account.
A money market account (MMA) can be a strategic addition to your financial portfolio, offering a blend of benefits that make it an attractive option for many savers. As an interest-bearing account, it combines features of both savings accounts and checking accounts, providing a unique combination of safety, liquidity, and potential for higher returns. Here are some compelling advantages of a money market account that make it worth considering.
- Earns a higher interest rate compared to traditional savings accounts - This higher yield can help your money grow more quickly, making it an excellent choice for those looking to maximize their savings without delving into riskier investments. The interest rates on MMAs are often tiered, meaning the more you deposit, the higher the interest rate you can earn. This incentivizes savers to maintain a higher balance, which can be particularly advantageous for those looking to save for significant future expenses, such as a down payment on a house or a child's education.
- Access to funds - Unlike certificates of deposit (CDs), which lock your money away for a set period, MMAs typically allow you to make a limited number of withdrawals or transfers each month. This flexibility means you can access your funds easily while still earning a competitive interest rate. Additionally, many money market accounts come with check-writing privileges and debit card access, providing even greater convenience for managing your finances. This combination of higher returns and accessibility makes MMAs an excellent option for an emergency fund or other short-term savings goals.
- High level of safety - They are federally insured through NCUA. In summary, money market accounts offer an appealing mix of higher interest rates, liquidity, and security, making them a valuable tool for anyone looking to grow their savings while maintaining easy access to their funds.
*First three months of online bill pay are free; $5 monthly service charge thereafter.
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% |