Winsouth Credit Union Fort Payne AL | Best Auto Loans & Business Banking

Introduction

Welcome to Winsouth, your trusted financial partner in Fort Payne, Alabama! Located at 101 Drinkard Dr NW, our branch has been a cornerstone of the community since 1951. With over 36,191 members and assets totaling an impressive $434,573,584, we are committed to providing personalized banking solutions that meet your needs. At Winsouth, we pride ourselves on our strong financial health, which is evident in our total deposits of $38,908,182 and a net worth of $44,576,489. Our friendly team of 125 employees, led by CEO David Eubanks and Board President Gary Kennedy, is dedicated to ensuring you feel valued and supported every step of the way. While members can visit us at our branch address, official correspondence should be sent to the same location: 101 DRINKARD DR NW, FORT PAYNE, AL 35967. Our goal is to empower you with a range of services including personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. We understand that trust is earned through community engagement and transparency. That's why we strive not only to meet but exceed your expectations. With a total loan portfolio of 18,356 loans and leases, we are here to help you achieve your financial goals. Ready to take the next step? Whether you're looking for assistance with loans or simply want to explore your options in person or online at www.winsouthcu.com, we're just a phone call away at 256-845-3960. Join us today and experience the Winsouth difference!

Branch History & Mission

Community Focus

We actively participate in community events and initiatives aimed at supporting local causes. By doing so, we strive to build strong relationships that extend beyond traditional banking practices. Whether it's through financial education workshops or charity drives, Winsouth is here for Fort Payne. As part of our dedication to service excellence, we ensure compliance with ADA regulations so that all members can access our facilities comfortably. Our friendly staff is always ready to assist you during operating hours: Monday and Tuesday from 8 AM to 4 PM; Wednesday from 8 AM to 1 PM; Thursday and Friday from 8 AM to 4:30 PM.

Join Us

We invite you to become part of the Winsouth family today! Experience first-hand how we put people before profits while providing exceptional financial services tailored just for you. For any inquiries or assistance needed, don't hesitate to reach out at (256) 845-3960 or visit us online at Winsouth. Let's grow together!

Our Journey

Our journey began more than seven decades ago at our location on 101 Drinkard Dr NW, Fort Payne, AL 35967. Since then, we have seen tremendous growth and transformation. From our humble beginnings, we have expanded our services to meet the evolving needs of our members. Today, we offer a comprehensive range of financial products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Over the years, we've embraced digital advancements to enhance member experience. Our online and mobile banking options make it easy for members to manage their finances anytime and anywhere. We ensure accessibility with features like electronic signatures and ATM availability.

Our Mission

At Winsouth, our mission is simple yet powerful: to empower our members by providing personalized financial services that foster growth and improve lives. We are dedicated not just to banking but also to uplifting our community through various outreach programs and partnerships. We believe that when our members succeed, so does our community as a whole. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to the same address: 101 Drinkard Dr NW, Fort Payne, AL 35967. We also offer convenient drive-thru services for quick transactions.

Branch Location & Accessibility

Welcome to Winsouth, your friendly community credit union located conveniently at 101 Drinkard Dr NW in Fort Payne, Alabama. Our branch is nestled in the heart of DeKalb County, making it easy for you to access all the financial services you need. Whether you're stopping by to open an account or looking for assistance with a loan, we're here to help! While our branch address is 101 Drinkard Dr NW, official correspondence should be sent to the same address. We're proud to say that our location is accessible and accommodating for everyone. With ample parking and ADA-compliant features, including ramps, we ensure that all members can visit us with ease. Our operating hours are designed to fit your busy schedule. We're open Monday and Tuesday from 8 AM to 4 PM, Wednesday from 8 AM to 1 PM, and Thursday and Friday from 8 AM to 4:30 PM. If you have any questions or need assistance, feel free to give us a call at 256-845-3960. At Winsouth, we offer a variety of services tailored just for you! From personal banking solutions like checking and savings accounts to auto loans and mortgages, we've got everything covered. Plus, enjoy the convenience of our drive-thru banking for quick deposits and withdrawals. Additionally, our ATM availability means you can access your funds anytime. And if you're a member of a partner credit union, take advantage of our shared service center for basic transactions. We invite you to visit us at Winsouth in Fort Payne! Experience our welcoming atmosphere and dedicated team ready to assist with all your financial needs. See you soon!

Member Eligibility

Becoming a member of Winsouth is like joining a welcoming family where your financial needs come first. If you're looking to experience the benefits of personalized banking, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the area surrounding 101 Drinkard Dr Nw Fort Payne Al 35967. This means that whether you're a long-time resident or new to the community, there's a place for you here. The perks of being part of Winsouth include access to competitive rates on loans and savings accounts, as well as friendly service that puts you at ease. To get started on your membership journey, simply reach out to us at (256) 845-3960 for any questions or details. You can also find more information about eligibility criteria by visiting our website at . Joining us is straightforward and designed to make you feel right at home!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having a reliable partner who simplifies your payment processing. Our merchant services at Winsouth streamline transactions, allowing you to focus on what you do best running your business. From accepting card payments to managing cash flow efficiently, we equip you with the tools needed for success. Visit us at 101 Drinkard Dr Nw Fort Payne Al 35967 in Fort Payne, AL, or give us a call at (256) 845-3960 to discover how our business banking solutions can help your business thrive!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking

We also support local entrepreneurs through our business banking services. From essential merchant services to business loans, we are here to fuel your growth and success. Imagine being able to accept payments easily or access funding for expansion all backed by the commitment of Winsouth.

Convenient Access

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that let you manage your accounts anytime and anywhere. You can check balances, transfer money, and even pay bills right from your smartphone or computer. Need cash? Our accessible ATM and cash withdrawal services ensure you have quick access whenever necessary. For those who prefer face-to-face interactions, our branch features a drive-thru service for quick transactions like deposits and withdrawals without leaving your car. Plus, as part of a broader network, we offer basic shared branch transactions for members from partner credit unions.

Final Thoughts

At Winsouth, we believe in putting our members first by offering an extensive list of financial services designed with their needs in mind. Whether you're managing personal finances or growing a business, we're here to support you every step of the way. If you're ready to experience the benefits of membership at Fort Payne, don't hesitate to reach out! Call us at (256) 845-3960 or visit us at 101 Drinkard Dr Nw Fort Payne Al 35967 today. Your financial journey starts here!

Personal Banking

When it comes to personal banking, Winsouth offers an array of options designed to make your financial life easier. Our checking and savings accounts provide the flexibility you need to manage your day-to-day expenses while saving for future goals. Imagine effortlessly transferring funds between accounts or setting up automatic savings our digital banking features enable this at your fingertips. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help turn that dream into reality. With competitive rates and flexible terms, getting behind the wheel has never been easier. Additionally, our mortgage loans and refinancing services assist members in securing their dream homes or reducing their monthly payments on existing mortgages. For those unexpected moments when you need a little extra cash, our personal loans and debt consolidation services offer straightforward solutions to help you regain control of your finances. Plus, our credit cards with rewards allow you to earn points on everyday purchases, making it easy to enjoy benefits while spending.

Digital & Online Banking

Accessibility and Security

We also prioritize your security. Our online services are equipped with advanced security measures to keep your information safe while you bank online. Plus, you'll have access to e-statements whenever you need them, allowing you to stay organized without the clutter of paper. Whether you're paying bills, managing accounts, or making mobile payments, our services are designed for ease of use. With everything at your fingertips, monitoring your financial health is just a click away. Experience the future of banking today at Winsouth! Visit us at https://www.winsouthcu.com/ to learn more about how our digital banking solutions can simplify your life.

Key Features

Our online banking platform is user-friendly and packed with features that enhance your banking experience. You can view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. For those who prefer mobile banking, our dedicated mobile application makes it even simpler to handle your finances right from your smartphone. Sending money to friends or family has never been easier with our person-to-person transfer feature. Just a few taps, and you're done! Additionally, if you're looking for secure document signing options, we provide electronic signature authorization, making transactions quick and hassle-free.

Financial Strength

A Growing Community

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 further underscore our commitment to supporting your needs. 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 101 Drinkard Dr Nw Fort Payne Al 35967 or call (256) 845-3960 to learn more about how we can help you achieve your financial goals.

Member Savings and Growth 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.

Operational Efficiency

Our $362,169 reflects our operational efficiency, 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.

Reinvesting in Your Future

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.

Solid 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. Whether you're considering financing a brand-new model or a reliable pre-owned vehicle, we have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $3,317,819 provide the capital needed to grow and expand. We understand the challenges faced by local businesses and are committed to supporting their success with tailored lending solutions. At Winsouth in Fort Payne (101 Drinkard Dr NW), we're here to help you navigate your financial journey. If you're interested in exploring refinancing options or want to know more about eligibility requirements for our loan products, please reach out to us at 256-845-3960. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to assisting you with all your lending needs!

Credit Lines

For those looking for additional flexibility in managing cash flow, our total credit lines stand at $97,380,200. This option allows you to access funds as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,608,171, make buying or refinancing simple. We guide you through the process and provide resources to help you find the best mortgage solution for your unique situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,704,774 in loans helping members manage their finances effectively. These cards provide an excellent way to cover unexpected expenses or make purchases without tying up your savings.

Loan Aggregator

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WINSOUTH CREDIT UNION - Fort Payne, AL