Winsouth Credit Union Albertville AL | Affordable Auto Loans & ATM Services

Introduction

Welcome to Winsouth, your trusted partner in financial well-being, located at 3512 Us Highway 431, Albertville, AL 35950. Established in 1951, we have been proudly serving our community for over seven decades, helping our members achieve their financial dreams with personalized service and comprehensive banking solutions. At Winsouth, we believe in building strong relationships with our 36,191 members. With total assets of $434,573,584, we provide a secure environment for your savings and investments. Our commitment is reflected in our total deposits of $38,908,182 and a net worth of $44,576,489, ensuring that your money is not just safe but also growing. Our team of 125 employees, led by CEO David Eubanks and Board President Gary Kennedy, is dedicated to offering you tailored services from checking and savings accounts to auto loans and mortgages. Whether you're looking for financial advice or need assistance with personal loans or business banking, we are here for you. While members can visit us at our branch location, official correspondence should be sent to the same address for convenience. We invite you to explore our website at Winsouth for more information about our services or to reach out via phone at 256-840-8960. Join us today and experience the difference that comes with being a part of the Winsouth family!

Branch History & Mission

Community Commitment

Our dedication extends beyond financial services; we actively engage in partnerships and outreach efforts within Albertville and surrounding areas. By collaborating with local organizations, we aim to uplift those in need and foster a spirit of togetherness. Join us at Winsouth Credit Union where you'll not only find a supportive banking partner but also a community committed to your success. Experience the difference today call us at 256-840-8960 or visit our website at www.winsouthcu.com for more information on how you can become part of our growing family!

Our Mission

The mission of Winsouth is clear: to enhance the lives of our members through exceptional financial services and unwavering support. We believe that everyone deserves access to quality banking options that can help them achieve their dreams. Whether you're opening your first savings account or looking for assistance with a mortgage loan, our team is here to guide you every step of the way. As we continue to grow, we are dedicated to ensuring that all members have access to modern conveniences such as online banking and mobile payments. Our branch also features ADA-compliant facilities and drive-thru banking options for those who prefer convenience without sacrificing service quality. While you can visit us at 3512 Us Highway 431, please note that official correspondence should be sent to 3512 US Highway 431, ALBERTVILLE, AL 35950-0204 if needed. We are open Monday through Friday from 8 AM to 4:30 PM and on Wednesdays until noon, making it easy for you to stop by at your convenience.

Branch Location & Accessibility

Accessibility Features

At Winsouth, we prioritize your comfort. Our branch is fully ADA compliant, ensuring that everyone can access our services without hassle. We offer ample parking space right outside the entrance, making it easy for you to stop by whether you're on your way to work or running errands. Additionally, our drive-thru service allows you to complete basic transactions from the comfort of your vehicle.

Operating Hours

We're here when you need us! Our lobby hours are Monday, Tuesday, Thursday, and Friday from 8 AM to 4:30 PM, and we open early on Wednesdays from 8 AM until noon. If you have questions or need assistance outside these hours, don't hesitate to reach out at 256-840-8960.

Services Offered

At Winsouth in Albertville, we provide a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we aim to make banking convenient for you. Plus, with ATM availability and shared service options for partner credit union members, accessing your funds has never been easier. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 3512 US Highway 431, ALBERTVILLE, AL 35950-0204. We invite you to stop by Winsouth in Albertville today! Whether you're looking to open an account or just have a chat about our services, we're here for you. Come experience the friendly service that makes banking feel personal!

Member Eligibility

Becoming a member of Winsouth is like stepping into a welcoming community where your financial needs are prioritized. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us! This means that whether you're a long-time resident of our beautiful Albertville area or just starting your journey here, there's a place for you at our credit union. Membership comes with fantastic benefits, including access to personalized banking services that can help you manage your finances and achieve your goals. To get started, simply visit us at 3512 Us Highway 431 Albertville Al 35950 or give us a call at (256) 840-8960. We're excited to help you open an account and begin enjoying all the advantages of being part of our family! For more detailed information on eligibility criteria, feel free to check out our website at .

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $73 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $59 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,317,819, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

Imagine having a streamlined way to accept payments at your store or online. Our merchant services make it easy for you to manage transactions while enhancing customer experiences. Whether you're a small café or a growing retail shop, we provide tools that help simplify your payment processes so you can focus on what matters most your business. Come visit us at 3512 Us Highway 431 Albertville Al 35950 in Albertville, AL to learn how our business banking solutions can help you thrive! For any inquiries, feel free to reach out at (256) 840-8960.

Comprehensive List Of Services

ATM and Drive-Thru Services

For quick transactions, take advantage of our ATM services available on-site. Need assistance? Our drive-thru banking allows you to perform basic transactions such as deposits and withdrawals without leaving your car.

Business Banking

If you're a business owner, our offerings extend to business banking, including merchant services and business loans. We are here to support local businesses with the financial tools needed for growth and success.

Credit Options

We understand that sometimes life throws unexpected expenses your way. That's why we offer personal loans and debt consolidation services, designed to help you regain control over your finances. Additionally, our credit cards with rewards allow you to earn points on everyday purchases, giving you more value as you spend.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking platforms enable you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, everything is just a click away. Plus, with features like mobile payments and person-to-person transfers, managing your money has never been easier.

Personal Banking

Our personal banking options include checking and savings accounts tailored to help you manage your day-to-day finances effectively. If you're looking to purchase a new car, our auto loans and vehicle financing services can help make that dream a reality with competitive rates. For those considering home ownership or refinancing, our mortgage loans provide flexible options that can suit various budgets and lifestyles.

Shared Branch Transactions

As part of our commitment to accessibility, we also offer basic shared branch transactions for members of partner credit unions. This means that even if you're away from home, you can still make deposits and withdrawals conveniently. Whether you're visiting us in person or utilizing our digital resources, we strive to make every interaction easy and enjoyable. If you have any questions or need assistance navigating your options, don't hesitate to reach out at (256) 840-8960. Join us at Albertville, where we're committed to helping you achieve your financial goals! Visit us soon or explore more about our services at our website.

Digital & Online Banking

Key Services Offered

With our [online banking](https://www.winsouthcu.com/) services available 24/7, you can check balances, pay bills, and transfer funds whenever it suits you. Plus, our user-friendly mobile application ensures that all your banking essentials are right in your pocket. You can even make mobile payments, making transactions a breeze. Need to send money to friends or family? With our person-to-person transfers, it's simple and quick no need for cash or checks. Additionally, if you're looking to go paperless, we offer e-statements so you can access your financial documents securely online. And for added convenience, you can authorize transactions with an electronic signature, speeding up processes while keeping your information safe.

Security and Accessibility

Your security is our top priority. Our online banking system incorporates advanced security measures to protect your personal information. You can bank with confidence knowing that we take every precaution to keep your data safe. Navigating through our digital services is straightforward and designed with you in mind. Whether you're setting up direct deposits or reviewing account activity, everything is organized for easy access and management. Experience the future of banking today at Winsouth where convenience meets security. Visit us online at https://www.winsouthcu.com/ and take control of your finances like never before!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 69,138, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $51,383,017. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Winsouth is your trusted partner. Visit us at 3512 Us Highway 431 Albertville Al 35950 or call (256) 840-8960 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Commitment to Member Services

With $42,608,730 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $5,396 in used auto loans and $277,344,969 in total loans and leases. Our operational efficiency is reflected in our $362,169, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 103 full-time employees and 22 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $137,590,790 in share certificates and $16,326,490 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $44,576,489, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,026 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $90,501,060 in used vehicle loans and $39,974,877 in new vehicle loans already helping members get on the road, we make financing your next vehicle simple and affordable. Whether you're eyeing a brand-new model or a reliable used car, our team is ready to assist you every step of the way.

Business Financing

For business owners looking to grow and expand, our outstanding commercial loans total $3,317,819, providing the necessary capital to invest in your business dreams. We understand that access to funds can make a significant difference in achieving success.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Property loans totaling $7,608,171, making buying or refinancing simple. We are committed to guiding you through the process with competitive rates and personalized service.

Refinancing Options

If you're interested in refinancing any existing loans or exploring eligibility options for new ones, our team is here to help. We provide insights and assistance tailored to your specific financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our goal is to ensure that each member finds the right loan solution that fits their needs while enjoying excellent customer service at Winsouth. Let us help you pave the way toward your financial future today!

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. We currently have $4,704,774 in loans designed to help members manage their finances effectively without the burden of collateral requirements.

Loan Aggregator

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WINSOUTH CREDIT UNION - Albertville, AL