APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 11/8/2017. Fees may reduce earnings.

Share Accounts

Account Minimum Opening Deposit Minimum Balance to Earn Dividends APY
Share Savings $25 $2,000 0.25%
Super Savings $1,000 $1,000 0.50%
Vacation Club $5 $5 0.25%
Christmas Club $5 $5 0.25%

Money Market AccountsLearn More

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 0.35%
$200,000+ 0.50%

Share CertificatesLearn More

Term Minimum Opening Balance APY
6 month $1,000 0.60%
12 month $1,000 0.90%
24 month $1,000 1.05%
36 month $1,000 1.25%
48 month $1,000 1.35%
60 month $1,000 1.55%
Penalty for early withdrawal

Individual Retirement AccountsLearn More

Term Minimum Opening Balance APY
6 month $1,000 0.60%
12 month $1,000 0.90%
24 month $1,000 1.05%
36 month $1,000 1.25%
48 month $1,000 1.35%
60 month $1,000 1.55%
IRA Club Account 66 $1,000 0.75%
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 2%, this loan would have a monthly payment of $438.23.

Auto LoansLearn More

Term APR
84 months 4.98%
72 months 3.98%
60 months 3.73%
48 months 3.48%
36 months 3.48%
12 months 3.48%

Boat & RV LoansLearn More

Term APR
84 months 6.49%
72 months 4.99%
60 months 3.99%
48 months 3.49%
12 months 3.49%

Motorcycles & Side by Sides

Term APR
72 months 5.50%
60 months 5.00%
48 months 4.75%
36 months 4.50%
12 months 4.50%

Secured Loans

Loan Type Term APR
Other Secured 60 months 5.49%
Other Secured 48 months 4.99%
Other Secured 36 months 4.74%
Other Secured 12 months 4.74%
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%

Personal LoansLearn More

Term APR
60 months 11.24%
48 months 10.24%
36 months 9.49%
24 months 8.99%
12 months 7.99%
90 Day Note Unsecured 12 month unsecured rate + 1%
Overdraft Protection 15.00%

Credit CardsLearn More

Card Type APR Payment
Visa Classic 9.90% - 12% 3% of balance

Real EstateLearn More

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