Winsouth Credit Union Gadsden AL | Best Auto Loans & Business Banking

Introduction

Welcome to Winsouth, your trusted partner in financial services located at 320 Albert Rains Blvd, Gadsden, AL 35901. Since our establishment in 1951, we have been dedicated to serving our community with a personal touch, ensuring that each of our 36,191 members feels valued and supported. At Winsouth, we understand the importance of financial stability and growth. With total assets exceeding $434 million and total deposits reaching $38.9 million, we are well-equipped to meet your banking needs. Our wide array of services includes everything from checking and savings accounts to auto loans and business banking solutions. We take pride in offering over 18,356 loans and leases, ensuring that you have access to the funds you need when you need them. Our commitment to excellence is reflected not only in our robust financial health but also in our exceptional customer service. Led by our CEO, David Eubanks, and Board President, Gary Kennedy, our team of 125 dedicated employees is here to guide you every step of the way. Whether you're seeking assistance with a mortgage loan or exploring personal banking options, we are ready to help. While members can visit us at our Gadsden branch for all their banking needs, official correspondence should be sent to our mailing address: 110 S. 26TH ST, GADSDEN, AL 35904. We invite you to explore the benefits of membership at Winsouth by visiting our website at winsouthcu.com or giving us a call at 256-543-0474. Experience the difference of a credit union that truly cares about its members and community!

Branch History & Mission

Join Us

As we look to the future, we remain committed to innovation and improvement. With digital advancements like online banking and mobile payments available to all members, managing your finances has never been easier. We invite you to experience the warmth and dedication that define Winsouth. If you're ready to join us or learn more about how we can help you thrive financially, don't hesitate! Visit us at our branch or call us at 256-543-0474 today. Together, let's build a brighter future for you and your community!

Our Mission

At Winsouth, our mission goes beyond providing financial services; we are dedicated to enhancing the well-being of our community. We believe in empowering individuals through education and resources that encourage sound financial decisions. Our team works tirelessly to ensure that each member feels valued and supported on their financial journey. We actively engage in community outreach efforts, partnering with local organizations to address pressing needs within Gadsden. Whether it's sponsoring educational workshops or participating in charity events, we strive to make a meaningful impact right where it matters most.

Our Story

Winsouth began its journey with a mission to provide affordable financial services while fostering a sense of community among our members. Today, we proudly serve over 36,191 members and manage total assets of approximately $434,573,584. This growth reflects our commitment to offering a range of services that meet the evolving needs of our members, from personal banking solutions like checking and savings accounts to auto loans and business financing. Our branch is equipped with modern conveniences including an ATM and drive-thru banking, ensuring that accessing your funds is quick and easy. We also prioritize accessibility with ADA-compliant features that welcome everyone into our space. While members can visit us at 320 Albert Rains Blvd, official correspondence should be sent to 110 S. 26TH ST, GADSDEN, AL 35904.

Branch Location & Accessibility

Welcome to the Winsouth Credit Union branch located at 320 Albert Rains Blvd, Gadsden, AL 35901! Our friendly team is here to provide you with convenient banking services in a welcoming environment. Nestled in the heart of Gadsden, our branch is easily accessible and just a stone's throw away from popular spots like the Gadsden Mall and the Coosa River, making it easy for you to stop by while running errands or enjoying a day out. For your convenience, we have ample parking available right at our location. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps so everyone can visit us comfortably. At Winsouth, we understand that your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. You can visit us on Mondays, Tuesdays, and Thursdays from 8:00 AM to 4:30 PM, or drop by on Wednesdays from 8:30 AM to 12:00 PM. Fridays are even more convenient with extended hours from 8:00 AM to 5:00 PM. If you're looking for drive-thru services, we're happy to accommodate you on Saturdays from 8:30 AM to 12:00 PM as well! While members can visit us at our physical branch, official correspondence should be sent to our mailing address at 110 S. 26TH ST, GADSDEN, AL 35904 if it differs from your visit. Need cash? We have an ATM available for quick withdrawals and balance checks. Whether you're opening a personal checking account or need assistance with auto loans and mortgages, our team is ready to help you find the right solutions for your financial needs. Feel free to give us a call at 256-543-0474 if you have any questions or need assistance before visiting. We look forward to seeing you soon at Winsouth Credit Union!

Member Eligibility

Joining Winsouth is like becoming part of a close-knit family that genuinely cares about your financial well-being. Here, we welcome individuals who live, work, worship, or attend school in our community making it easy for you to step into a supportive environment. Whether you're looking for personal banking solutions or business services, our doors are open to you! For those curious about the specific eligibility criteria, we invite you to check out more details at . It's simple and straightforward to become a member and start enjoying benefits like competitive loan rates and personalized service. If you're ready to take the next step, feel free to give us a call at (256) 543-0474, or visit us at our branch located at 320 Albert Rains Blvd Gadsden Al 35901. Your journey toward better banking starts here!

Business Banking & Commercial Services

Commercial Loans That Fuel 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 Success

Managing payments shouldn't be a hassle. Our merchant services help you accept payments easily, whether you're running a storefront or an online shop. Imagine being able to process transactions swiftly while offering your customers various payment options. This makes for happy customers and smooth operations! Explore how Winsouth can be a partner in your business journey today! For more information, visit us at https://www.winsouthcu.com/.

Comprehensive List Of Services

ATM and Drive-Thru Services

For quick transactions, take advantage of our ATM services for cash withdrawals and balance checks. Additionally, our drive-thru banking allows you to handle deposits and withdrawals without leaving your car perfect for those days when you're short on time! At Winsouth, we're here to meet all your financial needs under one roof. With friendly staff ready to assist you at every turn, we invite you to experience our personalized approach to banking. To learn more about how we can help you achieve your financial goals or if you have any questions about our services, don't hesitate to call us at (256) 543-0474. Join us at City Branch, where we believe in building better financial futures together!

Business Banking Services

If you're a business owner, you'll appreciate our business banking services, which include merchant services and business loans. We aim to help local businesses thrive by providing the necessary financial tools and support they need.

Credit Cards with Rewards

For those who enjoy earning rewards on their purchases, our credit cards come with attractive benefits. You can earn points or cash back while shopping for everyday items, making each transaction work harder for you.

Digital Banking Convenience

In today's busy world, having access to your finances anytime is essential. Our online and mobile banking features allow you to manage your accounts from anywhere. Whether it's checking your balance, transferring funds between accounts, or paying bills on the go, we ensure that banking is as convenient as possible.

Home Financing

When it comes to finding the perfect home, our mortgage loans and refinancing options are designed to simplify the process. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better rates, we guide you through every step, ensuring you feel confident in your decision.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that cater to various lifestyles. For instance, if you're saving for a family vacation or planning a special purchase, our savings accounts can help you reach your goals faster. Need a vehicle? We offer auto loans and vehicle financing that make it easier for you to hit the road. Imagine driving off in your new car with manageable monthly payments!

Personal Loans

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. If you need to cover medical bills or consolidate credit card debt into one easy payment, we've got flexible solutions that fit your unique situation.

Digital & Online Banking

Key Features for Your Convenience

Explore our user-friendly online banking platform at https://www.winsouthcu.com/. Here, you can enjoy features like electronic signatures for hassle-free transactions. Our e-statements allow you to access your financial statements anytime, reducing clutter and keeping everything organized. You'll also appreciate the option for mobile payments, making it simple to pay for goods and services directly from your smartphone. For those who love staying connected, our mobile application is available for download, providing a convenient way to manage your accounts with just a few taps. Plus, if you need to send money to friends or family quickly, our person-to-person transfer feature makes this a breeze.

Security and Accessibility

Your security is our top priority. We use advanced technology to ensure that all your transactions are safe and secure. With easy access to your accounts around the clock, you can have peace of mind knowing that you're in control of your finances whenever it suits you. Whether you're checking balances or making payments, our digital banking services are crafted with you in mind combining accessibility with ease-of-use for real-time account management. Experience the modern way of banking at Winsouth today!

Financial Strength

At Winsouth, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We want to reassure you that our financial health is robust and designed to support your needs today and in the future. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 your 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. Net Shares (Funds available for lending and investments): $51,383,017. Total Share and Deposit Accounts: 69,138, showing a strong and growing member base that trusts us with their finances. 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 320 Albert Rains Blvd Gadsden Al 35901 or call (256) 543-0474 to learn more about how we can help you achieve your financial goals.

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 interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to help you find the right solution for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $3,317,819 provide the capital needed to grow and expand your operations. We understand the unique challenges faced by small businesses and are dedicated to offering tailored solutions that fit your needs. At Winsouth, we believe in empowering our members through financial education and personalized service. If you're considering refinancing options or want to learn more about eligibility requirements for any of our loan products, don't hesitate to reach out. Our friendly staff at 320 Albert Rains Blvd Gadsden Al 35901 are ready to assist you. You can contact us at (256) 543-0474 for any inquiries or visit our website at Winsouth for more information on how we can support your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Credit Cards

For those who need additional flexibility, we provide a total of $97,380,200 in credit lines that can help cover unexpected expenses or larger purchases. Additionally, our unsecured credit card loans amounting to $4,704,774 come with flexible terms designed to help you manage your finances effectively without tying up collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $7,608,171. We make buying or refinancing simple by offering competitive rates and flexible terms that cater to your unique situation. Let us guide you through the process of securing your dream home.

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

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