Winsouth Credit Union Rainbow City AL | Affordable Auto Loans & ATM Services

Introduction

Welcome to Winsouth, your trusted financial partner in the heart of Rainbow City, Alabama! Located at 199 Independent Dr, Rainbow City, AL 35906, our branch has proudly served the community since 1951. With a commitment to providing personalized service, we currently boast a membership of over 36,191 members who benefit from our diverse range of financial products and services. At Winsouth, we believe in empowering our members with the tools they need for financial success. With total assets exceeding $434 million, we are well-equipped to meet your banking needs. Whether you're looking for checking and savings accounts, auto loans, or mortgages, we've got you covered. Our total deposits stand at an impressive $38,908,182, showcasing the trust our members place in us. Our dedicated team is here to assist you every step of the way. Led by our experienced CEO, David Eubanks, and Board President Gary Kennedy, our staff of 125 employees is committed to delivering exceptional service. We understand that every member's situation is unique; that's why we offer tailored solutions that fit your individual needs. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 110 S. 26TH ST, GADSDEN, AL 35904. Ready to take control of your financial future? Contact us today at 256-543-2252 or explore more on our website Winsouth. Your journey towards better financial health starts here!

Branch History & Mission

Welcome to Winsouth, a cornerstone of financial service in Rainbow City, Alabama. Established in 1951, our branch has grown alongside this vibrant community, fostering relationships and supporting the financial well-being of our members. Over the years, we have proudly expanded our services and reach, now serving over 36,191 members with total assets amounting to an impressive $434,573,584. Located at 199 Independent Dr, Rainbow City, AL 35906, we are easily accessible to all community members. Our branch is not just a place for transactions; it's a hub for connection and support. Whether you're visiting us during our operating hours Monday through Tuesday and Thursday through Friday from 9:00 AM to 5:30 PM, or Wednesday from 8:30 AM to 12:30 PM you'll find a welcoming environment where your financial needs are our priority. At Winsouth, our mission is clear: we strive to provide exceptional financial services while nurturing the spirit of community support. We believe that by focusing on personal banking needs like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking we can empower individuals and families to achieve their financial goals. Our commitment extends beyond traditional banking; we actively engage in partnerships and outreach efforts that strengthen our community ties. While members can visit us at our physical location, official correspondence should be sent to our mailing address at 110 S. 26TH ST., GADSDEN, AL 35904. We also offer modern conveniences like ATM access and drive-thru services for quick transactions. In addition to providing essential banking services, Winsouth embraces technology with features such as online banking, mobile payments, and electronic signatures. These advancements ensure that we meet the diverse needs of our members while maintaining compliance with ADA standards for accessibility. As we look toward the future, we remain dedicated to enhancing the lives of those in Rainbow City through responsible lending practices and community-focused initiatives. Join us at Winsouth today! Experience firsthand how we can make a difference in your financial journey while being part of something bigger a thriving community working together for a brighter tomorrow.

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about our services, feel free to give us a call at 256-543-2252. We invite you to visit Winsouth in Rainbow City today let us help you reach your financial goals!

Operating Hours

Our doors are open to serve you during convenient hours! Join us Monday, Tuesday, Thursday, and Friday from 9 AM to 5:30 PM. On Wednesdays, we open slightly earlier at 8:30 AM and close at 12:30 PM. Whether you're stopping by for a quick transaction or a more in-depth banking need, we're here to help!

Parking & Accessibility Features

At Winsouth, we understand the importance of accessibility. Our branch provides ample parking, including designated spots for those with disabilities. The building features ramps and is fully ADA compliant, ensuring everyone can enjoy our services comfortably.

Services Offered

Winsouth offers a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need assistance with online or mobile banking? We've got you covered there too! Plus, our drive-thru service makes it easy for you to complete simple transactions without leaving your vehicle. Additionally, we provide ATM access for quick cash withdrawals and balance checks as well as shared services for partner credit union members.

Member Eligibility

Becoming a member of Winsouth means joining a warm and welcoming community that truly cares about your financial well-being. At our branch located at 199 Independent Dr Rainbow City Al 35906, we believe that everyone deserves access to quality financial services. To become a member, you just need to meet a few simple eligibility criteria, which often includes living, working, or worshipping in the area we serve. We invite you to check out the detailed eligibility information on our website at for any specific requirements that may apply. Once you're ready to join us, opening an account is a breeze! Our team is here to guide you through the process, making it easy and straightforward. Feel free to give us a call at (256) 543-2252 if you have any questions or need assistance. We can't wait for you to experience all the benefits of membership at Winsouth, where your financial goals are our top priority!

Business Banking & Commercial Services

Merchant Services That Work

In addition to our loan offerings, we provide comprehensive merchant services that simplify payment processing for your business. Imagine quickly accepting credit cards from customers at your store or online our services make it possible. This means you can focus on what you do best: serving your customers and growing your business. Located at 199 Independent Dr Rainbow City Al 35906 in Rainbow City, AL, our dedicated team is ready to assist you with all your business banking needs. Reach out today at (256) 543-2252 to learn more about how we can help your business thrive!

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

Additional Services for Your Convenience

At Winsouth, we also provide basic drive-thru banking for quick deposits, withdrawals, and simple transactions perfect for those busy days when time is tight. Additionally, if you're a member of partner credit unions, enjoy basic shared branch transactions at our location too! Whether it's withdrawing cash from an ATM or performing balance checks, we've made banking accessible for everyone. We invite you to explore all that we have to offer! For more information about any of these services or to speak with one of our knowledgeable staff members, please give us a call at (256) 543-2252 or visit us online at Rainbow City. We're excited to help you achieve your financial goals!

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our robust Online & Mobile Banking platforms. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on-the-go using our mobile app. Our ATM and cash withdrawal services ensure that accessing your money is always easy and straightforward.

Personal Banking Made Easy

We understand that managing your finances can be overwhelming at times. That's why we offer Personal Banking options, including checking and savings accounts tailored to fit your lifestyle. Whether you're just starting out or looking to build your savings, our accounts come with features that help you manage your money easily and effectively. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing services can help you get behind the wheel without breaking the bank. We provide competitive rates and flexible terms to make car buying as stress-free as possible. And for those dreaming of homeownership, our Mortgage Loans & Refinancing options are here to guide you through the process with ease.

Support for Your Financial Goals

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services can provide the support you need to manage those challenges effectively. Plus, with our Credit Cards with Rewards, you can earn benefits while making everyday purchases. For our business members, we offer comprehensive solutions through our Business Banking services, which include merchant services and business loans designed to help your company thrive.

Digital & Online Banking

E-Statements & Security

Say goodbye to paper clutter! With our e-statements available, you can access your account statements electronically. Not only does this keep your information organized, but it also enhances security. We prioritize the safety of your data through robust security measures, so you can bank with peace of mind.

Mobile Banking Convenience

Our mobile application makes banking even more convenient. You can make mobile payments easily and securely from your phone. Need to send money to a friend? Our person-to-person transfer feature allows for quick and easy transactions right from the app. In today's fast-paced world, managing your money shouldn't slow you down. At Winsouth, we provide the tools to help you stay on top of your finances while enjoying the convenience of digital banking. Visit us at https://www.winsouthcu.com/ to learn more about how we can make banking work for you!

Financial Strength

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 199 Independent Dr Rainbow City Al 35906 or call (256) 543-2252 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 $362,169 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric 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 Foundations

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 Financial Goals

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. 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. Our total share accounts stand at 69,138, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $51,383,017, reinforcing our capability to assist you effectively.

Loan Offering

Additional Loan Options

For those looking to expand their businesses or manage larger projects, our outstanding commercial loans totaling $3,317,819 provide the capital needed to grow and expand. No matter what your financial goals are whether it's investing in education, travel plans, or consolidating debt we're here to assist you with tailored solutions. At Winsouth, we're not just about providing loans; we're about building relationships. We're dedicated to working with you every step of the way to find the right financing solution that fits your life. For any questions regarding refinancing options or eligibility for our loan products, please reach out to us at 256-543-2252. 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 help you take the next step towards achieving your financial goals today!

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 make it easy to get financing for both new and used vehicles, ensuring you can find a plan that fits your budget.

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 securing a mortgage can feel overwhelming; that's why we offer personalized assistance throughout the process.

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 provide a convenient way to handle unexpected expenses or emergencies without the hassle of securing collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of our service in delivering tangible savings. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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 ensures that users receive fair and transparent offers. Each loan comparison reflects the most current rates available, helping you to choose options that best fit your financial situation.

Winsouth