Winsouth Credit Union Pell City AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Winsouth, your trusted financial partner in Pell City, Alabama! Located at 2950 Cogswell Ave, Pell City, AL 35125, we have proudly served our community since 1951. With a focus on providing exceptional member service and robust financial solutions, we currently support over 36,191 members with total assets of $434,573,584. At Winsouth, our mission is simple: to help you achieve your financial goals while fostering a strong sense of community. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we've got you covered. Our dedicated team of 125 employees, led by CEO David Eubanks and Board President Gary Kennedy, is here to ensure you receive personalized service that meets your needs. While members can visit us at our branch location, official correspondence should be sent to the same address: 2950 Cogswell Ave, Pell City, AL 35125. With total deposits reaching $38,908,182 and a strong net worth of $44,576,489, you can trust that your finances are in safe hands with us. Explore all that Winsouth has to offer by visiting our website at winsouthcu.com. We invite you to call us at 205-338-7623 or stop by 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. Let's work together towards a brighter financial future!

Branch History & Mission

A Call to Action

As we look towards the future, Winsouth remains dedicated to serving our members with integrity and care. Whether you are looking for personal loans or need assistance with your business finances, we invite you to experience the benefits of being part of our family. Join us today at Winsouth where your financial goals become ours! For more information or assistance, feel free to reach out at 205-338-7623 or visit us online at Winsouth.

Commitment to Accessibility

We understand that convenience is key in today's fast-paced world. That's why Winsouth offers both ATM services and drive-thru banking options for quick transactions. Our shared service center further enhances accessibility for those who may need additional support or services from partner credit unions. In addition to traditional banking methods, we've embraced digital advancements to ensure our members can manage their finances on-the-go. With features like online banking, mobile payments, and electronic signatures available, we prioritize making banking easy and accessible for everyone.

Our Address and Community Connection

You can find us at 2950 Cogswell Ave, Pell City, AL 35125. This central location allows us to be accessible to all our members. We are just a stone's throw away from local landmarks that define our vibrant community. While members can visit us at this address for all their banking needs, official correspondence should be sent to the same address for consistency.

Our Mission

At Winsouth, our mission is straightforward: to provide exceptional financial services while enhancing the quality of life in our community. We believe in empowering individuals through personal banking solutions that cater to diverse needs from checking and savings accounts to auto loans and business financing. Every service we offer is designed with our members in mind, ensuring they have the tools necessary for financial success. Our commitment extends beyond banking; we actively engage in community outreach initiatives aimed at supporting local causes and fostering connections among residents. By partnering with local organizations and participating in events, we aim to strengthen the fabric of Pell City.

Branch Location & Accessibility

Convenient Access and Features

At Winsouth, we prioritize making banking accessible for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and spacious entrances to accommodate all members. If you're driving in, you'll appreciate our ample parking available right outside the door. Our operating hours are tailored to fit your busy schedule: we're open Monday through Thursday from 9:00 AM to 4:30 PM and on Friday from 9:00 AM to 5:00 PM. Need to get cash or make a quick deposit? We offer a drive-thru banking option for simple transactions, as well as ATM availability for those on-the-go moments.

Services Tailored For You

At Winsouth, we provide a wide range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your financial goals. Plus, if you're a member of another partnering credit union, you can take advantage of shared services right here at our location. While members can visit us at 2950 Cogswell Ave, official correspondence should be sent to the same address for clarity and efficiency. If you have any questions or need assistance, don't hesitate to reach out! Give us a call at 205-338-7623 we're always happy to help. We invite you to come experience the Winsouth difference today!

Member Eligibility

At Winsouth, we believe that everyone deserves a chance to be part of a caring financial community. If you're looking to join us, becoming a member is simple and welcoming. You may be eligible if you live, work, worship, or attend school in the areas we serve. We also welcome family members of existing members, so you can share the benefits with your loved ones! Joining our 2950 Cogswell Ave Pell City Al 35125 location opens up a world of advantages like personalized service, competitive rates on loans, and access to exclusive member-only products. Ready to take the next step? Check out the detailed eligibility criteria here for the most current information. If you have questions or need assistance, don't hesitate to reach out at (205) 338-7623. We're here to help you start your journey with us today!

Business Banking & Commercial Services

Business Loans That Drive 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 Every Need

In addition to our loan offerings, we provide comprehensive merchant services designed to simplify daily transactions. Imagine running your business without worrying about payment processing delays or complicated systems. Our solutions are straightforward and designed with your success in mind allowing you to focus on what you do best. Located conveniently at 2950 Cogswell Ave Pell City Al 35125 in Pell City, AL, we're here to support your business needs. Reach out today at (205) 338-7623 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM and cash withdrawal services are available at various locations including our branch in Pell City. You'll have easy access to your funds whenever necessary.

Auto Loans & Vehicle Financing

If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing options make it easy and affordable. We understand how important reliable transportation is for your daily life. With competitive rates and flexible terms, we can help you drive off in your dream car without breaking the bank.

Business Banking

For our business members, we offer tailored Business Banking solutions including Merchant Services and Business Loans. We understand that running a business comes with its own set of challenges. Our tools are designed to streamline operations so that you can focus on what matters most growing your business.

Credit Cards with Rewards

With our Credit Cards with Rewards, you can earn points on everyday purchases that lead to exciting rewards. It's like getting paid back for spending! Use your card wisely, and let us help you maximize those benefits.

Drive-Thru Banking

For those who prefer face-to-face interactions without leaving their vehicle, our Drive-Thru Banking offers essential services such as deposits and withdrawals without the hassle of parking.

Mortgage Loans & Refinancing

Buying a home is one of the biggest investments you'll ever make, and at Winsouth, we are committed to guiding you through the process with our Mortgage Loans & Refinancing services. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team will work with you to find the best solution for your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide Online & Mobile Banking services that allow you to manage your finances from anywhere at any time. Check balances, transfer funds, or pay bills with just a few taps on your device.

Personal Banking

Whether you're opening your first account or managing multiple ones, we offer Personal Banking solutions that fit every lifestyle. Our checking and savings accounts provide flexibility and convenience for everyday transactions. Imagine being able to easily set aside money for your goals while having quick access when you need it.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services can help you manage those challenges effectively. Whether you need funds for home repairs or want to consolidate higher-interest debt into a single payment, we've got your back.

Shared Branch Transactions

If you're traveling or away from home, don't worry! As part of our network, we provide basic shared branch transactions allowing members from partner credit unions to perform deposits and withdrawals conveniently. At Winsouth, we're here to make banking easy and accessible for everyone in the community. If you have questions about any of these services or want to learn more about how we can assist you financially, don't hesitate to reach out! Call us at (205) 338-7623 or visit us at 2950 Cogswell Ave Pell City Al 35125 in Pell City, AL. We look forward to serving you!

Digital & Online Banking

Easy Payments

Looking for a quick way to pay for purchases? Take advantage of our mobile payments feature that makes transactions smooth and hassle-free. Whether you're at a store or dining out, paying with your phone is fast and convenient. With all these features combined, Winsouth offers you an accessible and secure way to manage your finances. Start enjoying the benefits today by visiting us online at https://www.winsouthcu.com/ !

Key Services

Imagine being able to check your balance, pay bills, or transfer funds right from your phone or computer. Our 24/7 online banking services ensure you have round-the-clock access to your accounts. Plus, with our mobile application, managing your finances on the go is simple and user-friendly. Need to send money quickly? Our person-to-person transfers let you send money to friends and family in just moments, making it easier than ever to split expenses or help someone out. And if you prefer going paperless, our e-statements availability allows you to view your account statements securely online, reducing clutter while keeping everything organized.

Security Features

Your security is our priority. We use advanced technology to protect your information and provide peace of mind while you bank digitally. For added convenience, we also support electronic signature authorization, allowing you to complete transactions securely without the need for paper forms.

Financial Strength

Commitment to Innovation

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 to operational efficiency is reflected in our $362,169, which enables us to continue offering competitive loan rates and solid financial products for our members.

Growing Together

Our focus on service is evident through the strong support from our membership base evidenced by the 69,138 total share accounts. This demonstrates trust from our members as they choose Winsouth for their financial 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 2950 Cogswell Ave Pell City Al 35125 or call (205) 338-7623 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.*

Member-Focused Savings

Your savings are secure with us 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 Foundation

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.

Supporting Your Goals

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. 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.

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 also provide refinancing options to make your payments more manageable.

Credit Lines

If you prefer flexibility in managing your finances, our total credit lines amount to $97,380,200. This option allows you to access funds when needed without the hassle of applying for a new loan each time. For business owners looking for capital to grow and expand, our outstanding commercial loans totaling $3,317,819 provide the necessary support. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or call us at 205-338-7623 to learn more about how Winsouth can assist you with your lending needs!

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 work with you to find a plan that fits your budget and lifestyle.

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 come with great rewards and can be a smart way to handle daily expenses while building credit.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 compliance guarantees fair and transparent offers. LendMesh gathers information from legitimate financial institutions, ensuring users receive verified data without any hidden agendas.

WINSOUTH CREDIT UNION - Pell City, AL