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

Introduction

Welcome to Winsouth, your trusted partner in financial wellness since 1951. Located conveniently at 2460 Moody Pkwy, Moody, AL 35004, we have been dedicated to serving our community and helping our members thrive financially for over 70 years. With a robust membership of 36,191 individuals and total assets amounting to an impressive $434,573,584, we're committed to providing a wide range of services tailored just for you. At Winsouth, we understand that every financial journey is unique. That's why we offer various products, from personal banking services like checking and savings accounts to auto loans and mortgages. With $38,908,182 in total deposits and a net worth of $44,576,489, you can trust that your money is safe with us. While members can visit us at our branch location, any official correspondence should be sent to the same address: 2460 Moody Pkwy, Moody, AL 35004. Our team of 125 dedicated employees is here to support you in achieving your financial goals. Led by CEO David Eubanks and Board President Gary Kennedy, our leadership is deeply invested in fostering a strong relationship with our members and the wider community. Whether you're looking for competitive loans or simple banking solutions, we are here to help you navigate your options. Feel free to reach out at (205) 702-6565 or explore our website at Winsouth Credit Union for more information on how we can assist you today!

Branch History & Mission

Welcome to Winsouth, a credit union with a rich legacy and a commitment to serving our community in Moody, AL. Since opening our doors in 1951, we have grown alongside our members, building lasting relationships and providing financial services that empower individuals and families. Today, we proudly serve over 36,191 members and manage total assets of approximately $434,573,584. Located at 2460 Moody Pkwy, our branch is conveniently situated for easy access. Whether you're heading to work or running errands, we're here to help with all your banking needs. If you need to reach us by mail, please send correspondence to the same address. At Winsouth, our mission is clear: to provide exceptional financial services while supporting the community we love. We believe in making banking accessible for everyone. That's why we offer a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Our goal is not just to meet your financial needs but to enhance your overall experience through personal service and innovative solutions. Over the years, we've embraced advancements in technology to ensure our services are user-friendly and efficient. From online banking and mobile payments to e-statements and electronic signatures, we make managing your finances easier than ever. Plus, we are committed to accessibility for all members of our community. We take pride in being more than just a financial institution; we're an active participant in our local area. Through partnerships with various organizations and outreach programs, we strive to give back and support those around us. Our commitment extends beyond transactions; it includes fostering a sense of belonging among our members. As we look towards the future, we invite you to join Winsouth. Experience the benefits of being part of a credit union that values its members and community deeply. Together, let's build a brighter financial future! Visit us during our operating hours Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 9:00 AM to 5:00 PM or give us a call at 205-702-6565. Your journey towards better banking starts here!

Branch Location & Accessibility

Welcome to Winsouth, your friendly neighborhood credit union located at 2460 Moody Pkwy in the heart of Moody, Alabama. Our branch is conveniently situated near popular landmarks, making it easy for you to stop by whether you're running errands or enjoying a day out. With our welcoming environment and dedicated staff, we're here to support all your banking needs. At Winsouth, we understand the importance of accessibility. Our branch is designed with ADA-compliant features to ensure everyone can visit us comfortably. You'll find ample parking available, so you won't have to worry about finding a spot when you arrive. Plus, if you're looking for quick transactions, our drive-thru service is ready to serve you. While members can visit us at 2460 Moody Pkwy, official correspondence should be sent to the same address. We're open from Monday through Thursday from 9:00 AM to 4:30 PM and on Fridays from 9:00 AM to 5:00 PM, making it convenient for you to drop in before or after work or during your lunch break. In addition to traditional banking services like checking and savings accounts, we also offer a variety of loans including auto financing and personal loans. If you're in need of cash on the go, we have an ATM available right at the branch for your convenience. Plus, as part of our commitment to our community, we provide shared services that allow members from partner credit unions to conduct basic transactions with ease. Feel free to reach out at 205-702-6565 if you have any questions or need assistance. We invite you to come by Winsouth today and experience banking that puts you first!

Member Eligibility

Joining the Winsouth community means becoming part of a supportive family dedicated to helping you achieve your financial goals. To become a member at our Moody branch, located at 2460 Moody Pkwy, Moody, AL 35004, you simply need to meet some friendly eligibility criteria. Whether you live, work, worship, or attend school in the area, you're likely eligible to join us! We welcome individuals from various backgrounds and experiences, making it easy for you to find a place here. For more detailed information on eligibility requirements, feel free to visit our website at Winsouth Credit Union. Once you're ready to open an account, the process is straightforward and welcoming. Our dedicated team is here to guide you every step of the way. You can reach out to us at 205-702-6565 if you have any questions or need assistance. Embrace the opportunity to be part of something special; we can't wait to welcome you as a member of Winsouth!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine being able to accept payments from customers seamlessly, whether they are using credit cards or mobile wallets. Our merchant services simplify transactions, ensuring you get paid quickly and securely. This means more time focusing on what you do best growing your business. From easy setup to ongoing support, we're here to help you thrive in today's marketplace. Visit us at our branch located at 2460 Moody Pkwy Moody Al 35004, Moody, AL or call us at (205) 702-6565 to learn more about how our business banking and commercial services can empower your success!

Tailored Loan Solutions

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

ATM & Drive-Thru Services

Need cash quickly? We have an ATM available for your use, alongside basic drive-thru banking services for deposits, withdrawals, and other simple transactions. This means you can take care of your banking without stepping inside if you're short on time.

Business Banking Services

For our business members, we understand that managing finances is crucial for success. That's why we offer comprehensive business banking services, including merchant services and business loans. We aim to support local businesses by providing the tools they need to thrive.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. Our robust online and mobile banking platforms allow you to manage your accounts from anywhere at any time. With features like mobile payments, person-to-person transfers, and easy access to statements via e-statements, banking has never been simpler.

Personal Banking Services

Starting with personal banking, we offer checking and savings accounts that fit various lifestyles. Imagine having an account that not only helps you save but also offers competitive interest rates. If you're planning to buy a car, our auto loans and vehicle financing options are designed to make your purchase easier and more affordable. For those dreaming of home ownership or looking to refinance, our mortgage loans and refinancing services can help you find the perfect fit. If you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation solutions can provide relief and simplify your financial situation. Additionally, enjoy the flexibility of our credit cards with rewards, which can give you benefits every time you shop.

Shared Branch Transactions

We also participate in shared branch transactions, allowing members of partner credit unions to make deposits and withdrawals conveniently at our location. This collaborative service makes it easier than ever to access your funds. Whether you're a longtime member or considering joining us for the first time, we invite you to explore all that Winsouth has to offer at 2460 Moody Pkwy Moody Al 35004 in beautiful Moody, AL. For any questions or assistance, feel free to call us at (205) 702-6565 during our operating hours: Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 9:00 AM to 5:00 PM. Take the next step toward better banking today! Visit us online at Moody or stop by our branch we're here for you!

Digital & Online Banking

Key Features for Your Convenience

One of the standout features is our electronic signature authorization, making it simple to sign documents online without the hassle of printing or mailing. Plus, you can opt for e-statements to go paperless this not only helps the environment but also allows you to view your statements whenever you need them. Our mobile application brings banking right to your fingertips. You can manage your account on the go and even take advantage of mobile payments. This means you can pay for purchases directly from your phone no cash or cards needed! Plus, sending money to friends or family is a breeze with our person-to-person transfer feature.

Security and Accessibility

Security is a top priority at Winsouth. We ensure that all transactions are protected with advanced security measures, so you can bank confidently knowing that your information is safe. Our online services are designed with ease-of-use in mind, allowing you to manage your finances in real-time without any complicated steps. With our commitment to accessibility and convenience, managing your money has never been easier. Experience the benefits of modern banking at Winsouth today!

Financial Strength

Commitment to Growth

Our $42,608,730 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $5,396 in used auto loans and $277,344,969 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member Trust

Total Share and Deposit Accounts stand at 69,138, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $51,383,017 further highlight our commitment to being your trusted financial partner. In conclusion, 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 2460 Moody Pkwy Moody Al 35004 or call (205) 702-6565 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.

Operational Efficiency

Our performance reflects operational efficiency with a net income of $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 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.

Strong Financial Metrics

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 provide 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 aim to make the process straightforward and accessible, ensuring you find a financing option that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $3,317,819 provide the capital needed to grow and expand your business operations. We know how crucial it is for businesses to have access to funds when they need them most. If you're considering refinancing options or want to know more about eligibility requirements for any of our loan products, feel free to contact us. Our team at Winsouth is dedicated to providing personalized service tailored to your financial needs. For more information or assistance, please reach out at (205) 702-6565 or visit us at our branch located at 2460 Moody Pkwy Moody Al 35004 in Moody, AL. 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 flexible financing solutions, our total credit lines amount to $97,380,200, allowing you to manage unexpected expenses or consolidate debt efficiently. Additionally, we offer flexible terms on unsecured credit card loans, with a total of $4,704,774 helping members manage their finances effectively.

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 are here to assist you every step of the way, offering guidance and support throughout your home-buying journey.

Loan Aggregator

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How LendMesh Ensures Accurate 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 rigorous sourcing ensures fair and transparent offers, allowing you to compare loans with confidence.

WINSOUTH CREDIT UNION - Moody, AL