Winsouth Credit Union Oneonta AL | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Winsouth, your trusted financial partner in the heart of Oneonta, Alabama! Located at 201 3Rd St S, we have been serving our community since 1951. With a strong commitment to our members, we proudly support over 36,191 individuals and families in their financial journeys. At Winsouth, we believe in fostering a sense of belonging and community. Our total assets amount to an impressive $434,573,584, allowing us to offer a wide range of services tailored to meet your needs from personal banking and auto loans to business financing solutions. With more than 125 dedicated employees, led by our CEO David Eubanks and Board President Gary Kennedy, we ensure that you receive personalized service every time you walk through our doors or reach out via phone at 205-274-8655. We are proud of our financial strength, with total deposits reaching $38,908,182 and total loans amounting to 18,356. Our net worth stands at $44,576,489, reflecting our commitment to maintaining a stable and secure credit union for all members. While you can visit us directly at our branch for your banking needs, please note that official correspondence should be sent to our mailing address: P O BOX 1177, ONEONTA, AL 35121-2184. Experience the Winsouth difference today! We invite you to explore how our range of services can help you achieve your financial goals. Visit us online at winsouthcu.com or stop by the branch your future starts here!

Branch History & Mission

Join Us

As we continue this journey together with our members and the community of Oneonta, we invite you to be part of our story. Experience the benefits of joining Winsouth today! Whether you're looking for a reliable place to save or seeking financing options tailored just for you, we're here to help. Give us a call at 205-274-8655 or visit us online at Winsouth to learn more about what we offer. Together, let's build a brighter future!

Our Evolution

Founded with a mission to empower individuals and families, Winsouth has consistently focused on member needs and community support. Over the years, we have expanded our services to include personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. As we evolved, so did our commitment to embracing technology for better accessibility. With online banking and mobile applications now available, we ensure that banking is convenient and easy for everyone. Our branch has also adapted to meet modern expectations by introducing features like ATM availability and drive-thru banking. We understand that time is valuable for our members, which is why we strive to make your banking experience as smooth as possible.

Our Mission

At Winsouth, our mission is clear: we aim to provide excellent financial services while fostering a sense of community. We believe that everyone deserves access to quality financial products that can enhance their lives. This belief drives us to support local initiatives and partner with organizations that share our vision of strengthening the Oneonta community. While members can visit us at 201 3Rd St S for all their banking needs, official correspondence should be sent to P O BOX 1177, ONEONTA, AL 35121-2184. Our operating hours are designed with your schedule in mind: Monday, Tuesday, Thursday, and Friday from 8 AM to 4:30 PM; Wednesday from 8 AM to 12 PM.

Branch Location & Accessibility

Convenient Access and Features

At Winsouth, we prioritize making your visit as smooth as possible. Our branch offers ample parking, ensuring that you can get in and out without any hassle. If you need assistance, rest assured that our facility is ADA compliant, featuring ramps and accessible entrances for those who require them. We know how busy life can get, which is why we strive to accommodate your schedule. Our lobby hours are designed with you in mind: we're open from 8 AM to 4:30 PM on Monday, Tuesday, Thursday, and Friday, and from 8 AM to 12 PM on Wednesdays. This flexibility allows you to pop in before work or during your lunch break!

Services Tailored for You

Winsouth is not just a bank; we're a community hub providing a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we offer everything under one roof. Need quick cash? Our ATM is available on-site for your convenience, along with drive-thru banking for simple transactions like deposits and withdrawals. Additionally, if you're a member of another participating credit union, take advantage of our shared service center capabilities making it easy for you to access your accounts wherever you are. While members can visit us at 201 3Rd St S for all their banking needs, official correspondence should be sent to P O BOX 1177 in Oneonta.

We're Here for You

Have questions or want more information? Don't hesitate to reach out! Call us at 205-274-8655 or visit our website at Winsouth. We can't wait to welcome you into the Winsouth family!

Member Eligibility

Becoming a member of Winsouth is like joining a warm and welcoming family that truly cares about your financial well-being. If you're looking to become part of our community, you'll be pleased to know that eligibility is straightforward. We invite individuals who live, work, or worship in the area, as well as their immediate family members, to join us. This means if you have ties to our beautiful community around 201 3Rd St S Oneonta Al 35121, you're likely eligible! At Winsouth, we strive to provide a range of services tailored just for you from personal banking options to loans and credit cards designed with your needs in mind. To get started on your journey towards membership, simply reach out to us at (205) 274-8655 for more details or check out the specific eligibility criteria on our website at . We're excited to welcome you aboard and help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services offer practical solutions to streamline your transactions. Picture this: a customer walks into your store, makes a purchase, and you receive the payment instantly no hassle, just smooth operations. Our services help businesses manage payments efficiently so you can focus on what you do best. Located at 201 3Rd St S Oneonta Al 35121 in Oneonta, AL, we're here to partner with you on your journey toward success. For more information or to start a conversation about how we can assist your business, give us a call at (205) 274-8655.

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

ATM and Cash Withdrawal Services

Need cash? We have you covered! Our branch features an ATM for quick withdrawals and balance checks. Plus, our basic drive-thru service allows for easy deposits and withdrawals without leaving your car a perfect solution for busy days.

Business Banking Services

If you're a business owner in need of support, we provide tailored solutions through our business banking services. From merchant services that facilitate payment processing to business loans that fuel growth and expansion, we strive to empower local businesses in the community.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Whether it's checking your balance from home or making a quick payment while on the go, our digital tools are designed with you in mind. You can easily access your accounts anytime using our mobile app or website.

Loans and Credit Options

At Winsouth, we recognize that life can throw unexpected expenses your way. Our personal loans can help cover those costs while our debt consolidation options can simplify your finances by combining multiple payments into one manageable loan. Additionally, our credit cards with rewards programs allow you to earn points on purchases, turning your spending into potential savings.

Personal Banking Solutions

We offer various personal banking services that make managing your money easy and convenient. Our checking and savings accounts provide the flexibility you need for everyday transactions and saving for the future. If you're thinking about purchasing a new car, our auto loans and vehicle financing options are designed to help you get on the road with competitive rates and terms. For those considering homeownership or refinancing their current mortgage, our mortgage loans come with personalized assistance to guide you through every step of the process.

Shared Branching Opportunities

For added convenience, members also benefit from basic shared branch transactions with partner credit unions. This means you can conduct deposits and withdrawals at participating locations across the country. At Winsouth, we prioritize accessibility, offering both traditional and digital services that make managing your finances easier than ever before. If you want to learn more about how we can assist you or if you're ready to open an account, don't hesitate to give us a call at (205) 274-8655 or visit us at our branch in Oneonta, AL. Explore everything we have to offer today!

Digital & Online Banking

Key Features for You

Our online banking platform allows you to check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. No more waiting in lines; everything is just a click away! Whether you're using our mobile application or accessing our website, you'll find that navigating through your accounts is intuitive and straightforward.

Manage Your Money Effortlessly

We also make it easy to send money to friends and family with person-to-person transfers right from your device. Need to make a quick purchase? Our mobile payments feature allows you to do so securely and conveniently. With all these tools at your fingertips, you can manage your finances in real-time, track your spending, and stay on top of your financial goals. At Winsouth, we're committed to providing you with accessible services that fit into your busy lifestyle. Explore all that our digital banking options have to offer today by visiting https://www.winsouthcu.com/!

Security You Can Trust

Security is our top priority. Our electronic signature authorization feature ensures that your transactions are safe and verified. Plus, with options for e-statements, you can receive your financial documents securely without cluttering your mailbox. Enjoy peace of mind knowing that your information is protected.

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 understand that trust in our financial health is paramount for your peace of mind. 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. Our success is also reflected in our $42,608,730 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Additionally, 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. Our operational efficiency shines through 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. 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. 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 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 201 3Rd St S Oneonta Al 35121 or call (205) 274-8655 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 purchasing a brand-new vehicle or a reliable pre-owned one, our team is here to help you find the right financing option.

Business Financing

For business owners, our outstanding commercial loans totaling $3,317,819 provide the capital needed to grow and expand. We are committed to supporting local businesses by offering tailored financial solutions that fit your business model.

Credit Lines and Unsecured Loans

For those needing flexibility in managing expenses, we offer total credit lines loans amounting to $97,380,200. This can provide you with quick access to cash when needed. Additionally, our unsecured credit card loans help members manage their finances effectively, totaling $4,704,774 in loans available.

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 know that home buying can be complex, which is why we guide you through every step of the process.

Refinancing Options

If you're considering refinancing any existing loans, our team can walk you through eligibility options that may lower your monthly payments or reduce your interest rate. Our branch is conveniently located at 201 3Rd St S Oneonta Al 35121, and you can reach us at (205) 274-8655 if you have any questions or want to discuss how we can assist with your borrowing needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us be part of your financial journey at Winsouth, where we prioritize your goals and help turn them into reality!

Loan Aggregator

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