Winsouth Credit Union Gadsden AL | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Winsouth, your trusted partner in financial success, located at 110 S 26Th St, Gadsden, AL 35904. Established in 1951, we have proudly served our community for over seven decades, fostering a spirit of cooperation and support among our 36,191 members. With total assets exceeding $434 million and deposits reaching $38,908,182, we are committed to providing secure and reliable banking solutions tailored to meet your needs. At Winsouth, we understand that each member's journey is unique. That's why we offer a variety of services including personal banking, auto loans, mortgage financing, and business loans. Our dedicated team of 125 employees, led by our CEO David Eubanks and Board President Gary Kennedy, is here to ensure you receive the personalized attention you deserve. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 110 S 26TH ST, GADSDEN, AL 35904-1935. Our doors are open for you Monday through Friday, with special hours on Wednesday to accommodate your schedule. We take pride in not just being a financial institution but a pillar of the Gadsden community. With a net worth of $44,576,489 and cash in hand amounting to $3,926,127, we are well-equipped to support our members' aspirations whether it's purchasing a new home or expanding a business. Join us at Winsouth today and discover how we can help you achieve your financial goals! Feel free to reach out at 256-543-7302 for any inquiries or visit our website at winsouthcu.com for more information. Your financial well-being is our top priority!

Branch History & Mission

At Winsouth, we take pride in our rich history and unwavering commitment to our community. Founded in 1951, our branch has been a cornerstone of financial support for the residents of Gadsden, Alabama, for over seven decades. Located at 110 S 26th St, Gadsden, AL 35904, we are easily accessible to our members and neighbors. Since our inception, Winsouth has grown significantly, now serving a vibrant community with over 36,191 members and total assets amounting to an impressive $434,573,584. Our growth is a testament to the trust placed in us by the community we serve. As we have evolved, so have the services we offer ensuring that they meet the changing needs of our members. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we strive to provide products that empower individuals and families to achieve their financial goals. Our mission at Winsouth is simple yet profound: to deliver exceptional financial services while fostering community development. We believe that by supporting local businesses and initiatives, we can create a thriving environment for everyone. Whether it's through providing loans for small businesses or sponsoring community events, our focus remains on making a positive impact in Gadsden. In addition to traditional banking services, Winsouth embraces modern technology to enhance member experiences. Our robust online and mobile banking platforms allow members to manage their finances conveniently. We also offer features like e-statements and mobile payments for added ease and security. Accessibility is key for us. With ATM availability on-site and a drive-thru service, we ensure that banking with us is as convenient as possible. While members can visit us at 110 S 26th St, any official correspondence should be sent to 110 S 26TH ST, GADSDEN, AL 35904-1935. As part of our dedication to inclusivity, we maintain compliance with ADA standards so everyone can enjoy our services without barriers. We also actively seek partnerships within the community to expand our outreach efforts and provide additional support where needed. Join us at Winsouth Credit Union and experience firsthand how we're not just about transactions; we're about building relationships that matter. Together, let's work towards financial wellness and stronger communities. For inquiries or assistance, feel free to contact us at 256-543-7302 during our operating hours: Monday, Tuesday, Thursday, Friday from 8 AM - 4:30 PM and Wednesday from 8 AM - 12 PM. We look forward to welcoming you!

Branch Location & Accessibility

Contact Us

If you have questions or need assistance, feel free to give us a call at 256-543-7302. Our team is eager to help you achieve your financial goals. While members can visit us at 110 S 26th St for all their banking needs, official correspondence should be sent to our mailing address at 110 S 26TH ST, GADSDEN, AL 35904-1935. We look forward to welcoming you at Winsouth! Come see how we can make your banking experience more enjoyable today!

Convenient Access and Nearby Landmarks

Our branch is close to several local landmarks, making it easy to find us. Just a short drive from the beautiful Noccalula Falls Park, you can enjoy nature's beauty and then pop in to take care of your banking needs. We provide ample parking for our members right outside, ensuring that your visit is hassle-free. Plus, we've made sure our facilities are ADA compliant, so everyone can access our services comfortably.

Operating Hours and Services

At Winsouth, we understand that life can get busy. That's why we're here for you Monday through Tuesday and Thursday through Friday from 8:00 AM to 4:30 PM, and on Wednesdays from 8:00 AM to 12:00 PM. Our dedicated team is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. For added convenience, we offer ATM services so you can withdraw cash or check your balance any time of day. If you prefer in-person transactions, our drive-thru service makes it easy for you to complete simple transactions without leaving your vehicle.

Member Eligibility

At Winsouth, we believe that everyone deserves a chance to be part of a caring community where financial well-being is prioritized. Becoming a member is simple! If you live, work, or worship in the Gadsden area or have family members who are already part of our credit union, you're likely eligible to join us. We welcome individuals from various backgrounds, making it easy for you to enjoy the benefits of membership, such as lower loan rates and personalized service that truly understands your needs. For full details on eligibility criteria, feel free to check out our website at . Opening an account with us is just as straightforward! You can visit us at our branch located at 110 S 26Th St Gadsden Al 35904 or give us a call at (256) 543-7302 for assistance. We're here to support you every step of the way as you embark on your journey with Winsouth.

Business Banking & Commercial Services

Business 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 That Make Transactions Easy

Imagine running your business without worrying about payment processing. Our merchant services offer secure and efficient ways for you to accept payments from customers. From credit card transactions to mobile payments, we provide the tools that keep your cash flow smooth and your customers happy. Visit us at 110 S 26Th St Gadsden Al 35904 in Gadsden, AL or give us a call at (256) 543-7302 to explore how our business banking solutions can work for you. Let's turn your vision into reality together!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our comprehensive Business Banking services. From merchant services that simplify payment processing to business loans that help fuel your growth, we are dedicated to supporting local businesses.

Credit Cards and Rewards

For those who enjoy earning rewards while spending, our Credit Cards with Rewards provide an excellent opportunity to earn points on everyday purchases. It's like getting paid back for shopping!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. Access your accounts anytime through our mobile application or website pay bills, transfer funds, and even deposit checks right from your phone! Our ATM & Cash Withdrawal Services ensure that you have access to your funds when you need them.

Drive-Thru and ATM Access

For quick transactions, take advantage of our basic drive-thru banking services where you can handle deposits and withdrawals without leaving your vehicle. And with basic ATM access available for withdrawals and balance checks, managing your finances has never been easier. Our commitment at Winsouth is to provide personalized service that meets your needs while making banking accessible and convenient. If you'd like to learn more about any of our services or have questions about how we can assist you, please don't hesitate to reach out at (256) 543-7302 or visit us online at Gulf States. We look forward to helping you achieve your financial goals!

Loans and Financing

If you're in the market for a new vehicle or home, look no further! Our Auto Loans & Vehicle Financing options make it easy for you to drive away in your dream car with competitive rates and flexible terms. For those considering home ownership or refinancing, our Mortgage Loans & Refinancing services ensure you have the support you need to navigate this important investment. Plus, our Personal Loans & Debt Consolidation options help you manage expenses and simplify payments.

Personal Banking

We understand that everyone has unique financial goals. That's why we offer tailored Personal Banking options, including checking and savings accounts designed to fit your lifestyle. Imagine having a checking account that not only keeps your money safe but also offers easy online access so you can check balances and make transfers from anywhere.

Digital & Online Banking

Key Features

Security is a top priority at Winsouth. We offer electronic signature authorization, making it easy for you to sign documents safely and securely online. Additionally, our e-statements feature allows you to receive monthly statements electronically, helping you keep track of your finances while reducing paper clutter. Need to send money to friends or family? Our person-to-person transfer option lets you do just that in an instant! This feature is perfect for splitting bills or sending gifts without the hassle of cash. And if you ever have questions or need assistance, our support team is always here to help. In today's fast-paced world, having access to real-time account management is crucial. With our comprehensive online banking services at Winsouth, you can manage your financial life efficiently and securely leaving you more time to focus on what matters most. Embrace the convenience of digital banking today!

Financial Strength

Commitment to Growth

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 commitment is reflected in our lending capacity; with $5,396 in used auto loans and $277,344,969 in total loans and leases, we support members' financial goals across various sectors.

Member Trust

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 illustrate our robust position. 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 110 S 26Th St Gadsden Al 35904 or call (256) 543-7302 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by our $362,169 for this period, 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 Options

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.

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. We provide financing options that fit your budget and lifestyle, making it easier than ever to drive away in a vehicle you love.

Business Loans

For business owners, our outstanding commercial loans totaling $3,317,819 provide the capital needed to grow and expand. We're committed to supporting local businesses and helping them thrive.

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 every step of the process so you can focus on creating memories in your new home.

Other Loan Options

In addition to these offerings, we have personal loans and lines of credit available for various needs. Whether it's consolidating debt or covering unexpected expenses, our team is here to assist you in finding the right solution. If you're interested in refinancing any existing loans or exploring eligibility options, feel free to reach out. Our knowledgeable staff at Winsouth, located at 110 S 26Th St Gadsden Al 35904, Gadsden, AL AL, is ready to help you navigate through our loan products. You can contact us at (256) 543-7302 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Our credit cards come with rewards that can benefit your everyday spending while keeping your payments manageable.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to compliance ensures that all offers presented are fair and transparent, allowing users to make informed decisions about their borrowing needs.

Winsouth