APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.
New Share Certificate
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Term |
Minimum Opening Balance |
APY |
6 month |
$1,000 |
0.70% |
6 month special |
$1,000 |
5.00% |
12 month |
$1,000 |
0.85% |
12 month special |
$1,000 |
4.55% |
24 month |
$1,000 |
0.95% |
36 month |
$1,000 |
1.21% |
48 month |
$1,000 |
1.41% |
60 month |
$1,000 |
1.66% |
Penalty for early withdrawal
Money Market Accounts
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Balance Required |
APY |
$1,000 - $4,999 |
0.25% |
$5,000 - $9,999 |
0.25% |
$10,000 - $14,999 |
0.25% |
$15,000 - $49,999 |
0.25% |
$50,000 - $99,999 |
0.35% |
$100,000 - $199,999 |
3.00% |
$200,000+ |
3.00% |
Term |
Minimum Opening Balance |
APY |
6 month |
$1,000 |
0.70% |
6 month special |
$1,000 |
5.00% |
12 month |
$1,000 |
0.85% |
12 month special |
$1,000 |
4.55% |
24 month |
$1,000 |
0.95% |
36 month |
$1,000 |
1.21% |
48 month |
$1,000 |
1.41% |
60 month |
$1,000 |
1.66% |
IRA Club Account 66 |
$1,000 |
0.30% |
Penalty for early withdrawal
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.
Term |
APR |
84 months |
7.00% |
72 months |
6.25% |
60 months |
5.90% |
48 months |
5.90% |
36 months |
5.90% |
12 months |
5.90% |
Term |
APR |
84 Months |
7.40% |
72 Months |
6.75% |
60 Months |
6.25% |
48 Months |
6.10% |
36 Months |
6.10% |
12 Months |
6.10% |
Term |
APR |
144 months |
8.00% |
120 months |
7.80% |
84 months |
7.50% |
60 months |
6.95% |
48 months |
6.50% |
36 months |
6.50% |
12 months |
6.50% |
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% |
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%* |
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% |
Card Type |
APR |
Payment |
Visa Classic |
9.90% - 13.50% |
3% of balance |
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