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Winsouth Credit Union Share
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Overview Share
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Winsouth Credit Union is a non-federally insured state credit union based in Gadsden, Alabama. It has been opened since 1951, for 71 years.

With around $261,600,000 in assets, Winsouth Credit Union is considered to be a very large credit union. It has 8 branches and 8 ATM locations.

About Share
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Address 110 S. 26th Street
Gadsden, Alabama 35904
Website http://www.winsouthcu.com
Phone (256) 543-7302
Fax (256) 543-7387
CEO David Eubanks
President of the Board Ronald Patrick
Services Offered
Score Card Share
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71 years
Years in business
Opened in 1951
Well Capitalized
Net worth classification
Source: NCUA
34,040 members
Membership type: State chartered natural person credit union
Above average number of members
330:1
Credit union member to staff ratio
330 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$261,600,320
Total assets
Above average
8 branches
Compared with an average of 4 nationally and 4 in Alabama
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
9.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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8 branches
Compared with an average of 4 nationally and 4 in Alabama
Above average number of branches
Winsouth Credit Union Branch Locations

Winsouth Credit Union: Collinsville
5674 Al Highway 68
Collinsville, Alabama 35961
ATM Available
Winsouth Credit Union: Oneonta
201 3rd Street S.
Oneonta, Alabama 35121
ATM Available
Winsouth Credit Union: City Branch
320 Albert Rains Boulevard
Gadsden, Alabama 35901
ATM Available
Winsouth Credit Union: Fort Payne
101 Drinkard Drive NW
Fort Payne, Alabama 35967
ATM Available
Winsouth Credit Union: Rainsville
67 Roy Sanderson Avenue
Rainsville, Alabama 35986
ATM Available
Winsouth Credit Union: Albertville
3512 US Highway 431
Albertville, Alabama 35950
ATM Available
Winsouth Credit Union: Rainbow City
199 Independent Drive
Rainbow City, Alabama 35906
ATM Available
Winsouth Credit Union: Gulf States
110 S. 26th Street
Gadsden, Alabama 35904
ATM Available
Members Share
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34,040 members
Membership type: State chartered natural person credit union
Above average number of members

With 34,040 members, the Winsouth Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 88% of credit unions.

Fees Share
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$82
Average fee per member
The average fee per member at the Winsouth Credit Union is $82, which is high compared to most credit unions. This rate is higher than 75% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Winsouth Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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330:1
Credit union member to staff ratio
330 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
103 staff members
FTE (full-time equivalent)
16% of employees are part-time
94 full-time, 18 part-time

Winsouth Credit Union has 94 full-time staff members and 18 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 84% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Winsouth Credit Union has around 330 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$261,600,320
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$9,827
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 47% of credit unions.

Winsouth Credit Union holds a total of $186,800,000 in loans and leases, which is about $9,827 per member on average.

Savings interest rate Share
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Winsouth Credit Union pays 0.25%.

Loan rates Share
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9.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.24%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.74%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.73%
New car loan rate
Compared to 4.0% nationally
3.73%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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3.49%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
6.00%
Other real estate loan rates
Compared to 0.9% nationally

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All of Asset Brief

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Similar Credit Unions to Winsouth Credit Union

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Winsouth Credit Union: Rainbow City
Credit Union Branch: 199 Independent Drive
Rainbow City, Alabama 35906 ATM Available
Winsouth Credit Union: Albertville
Credit Union Branch: 3512 US Highway 431
Albertville, Alabama 35950 ATM Available
Winsouth Credit Union: Gulf States
Credit Union Branch: 110 S. 26th Street
Gadsden, Alabama 35904 ATM Available
Winsouth Credit Union: Fort Payne
Credit Union Branch: 101 Drinkard Drive NW
Fort Payne, Alabama 35967 ATM Available
Winsouth Credit Union: Oneonta
Credit Union Branch: 201 3rd Street S.
Oneonta, Alabama 35121 ATM Available
Winsouth Credit Union: City Branch
Credit Union Branch: 320 Albert Rains Boulevard
Gadsden, Alabama 35901 ATM Available
Winsouth Credit Union: Rainsville ATM
Credit Union ATM: 67 Roy Sanderson Avenue
Rainsville, Alabama 35986
Winsouth Credit Union: Oneonta ATM
Credit Union ATM: 201 3rd Street S.
Oneonta, Alabama 35121
Winsouth Credit Union: Collinsville
Credit Union Branch: 5674 Al Highway 68
Collinsville, Alabama 35961 ATM Available
Winsouth Credit Union: Rainsville
Credit Union Branch: 67 Roy Sanderson Avenue
Rainsville, Alabama 35986 ATM Available