Winsouth Credit Union Rainsville AL | Affordable Auto Loans & ATM Services

Introduction

Welcome to Winsouth, your trusted financial partner in Rainsville, Alabama! Located at 67 Roy Sanderson Ave, we have been serving our community since 1951 with a commitment to providing exceptional financial services tailored to meet your needs. As a proud member of the Winsouth family, you join over 36,191 fellow members who enjoy the benefits of our robust offerings. With total assets exceeding $434 million, we strive to create a secure and reliable banking experience. Our diverse range of services includes checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Whether you're looking for financing options or everyday banking needs, we're here for you. Our dedicated team, led by CEO David Eubanks and Board President Gary Kennedy, is committed to fostering relationships built on trust and transparency. We understand that each member has unique financial goals, which is why we prioritize personalized service and support. In addition to our friendly staff, we offer convenient access through online and mobile banking platforms, ensuring you can manage your finances anytime and anywhere. While members can visit us at 67 Roy Sanderson Ave, official correspondence should be sent to the same address for consistency. With a net worth of $44,576,489 and cash in hand totaling $3,926,127, we are well-equipped to help you achieve your financial aspirations. We invite you to stop by or give us a call at 256-638-6230 during our operating hours: Monday and Tuesday from 8 AM to 4 PM, Wednesday from 8 AM to 1 PM, and Thursday through Friday from 8 AM to 4:30 PM. Join us at Winsouth today and discover how we can assist you on your financial journey! For more information about our services or to explore membership options, please visit our website at winsouthcu.com.

Branch History & Mission

Join Us

We invite you to become part of the Winsouth family. Experience firsthand how we combine modern technology with personalized service tailored just for you. Whether you're looking for reliable banking services or need guidance on your financial journey, we're here for you every step of the way. Feel free to reach out by calling us at 256-638-6230 or visiting our website at Winsouth. Together, let's build a brighter financial future!

Our Journey

Located at 67 Roy Sanderson Ave, Rainsville, AL 35986, Winsouth has become a cornerstone of financial support for individuals and families in our area. We pride ourselves on our ability to adapt and grow alongside our community. As we evolved through the decades, we embraced new technologies and methods to enhance our services. Today, we offer a full range of personal banking options including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our commitment to customer service is reflected in our operating hours: Monday and Tuesday from 8 AM to 4 PM; Wednesday from 8 AM to 1 PM; and Thursday and Friday from 8 AM to 4:30 PM. For those on the go, we provide ATM access and drive-thru banking for your convenience.

Our Mission

At Winsouth, our mission is simple yet powerful: to improve the financial well-being of our members while fostering a sense of community. We believe that by providing exceptional financial services paired with genuine care for our members' needs, we can help everyone achieve their dreams. Our team works diligently to ensure that every interaction is positive and impactful. Through partnerships with local organizations and various outreach efforts, we strive to give back to the community that has supported us throughout the years. We are not just about numbers; we are about people our members' aspirations are at the heart of everything we do. While members can visit us at our branch address above for in-person assistance, official correspondence should be sent to the same mailing address: 67 ROY SANDERSON AVE, RAINSVILLE, AL 35986.

Branch Location & Accessibility

Accessibility Features

At Winsouth, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can visit us comfortably. Ample parking is available on-site, allowing easy access whether you're coming in for a quick transaction or a more involved financial discussion.

Operating Hours

We know that life can be busy, so we've tailored our operating hours to fit your schedule. You can stop by our lobby on Mondays and Tuesdays from 8 AM to 4 PM, Wednesdays from 8 AM to 1 PM, and Thursdays and Fridays from 8 AM to 4:30 PM. If you can't make it during those hours, don't worry! We also offer ATM services for quick cash withdrawals and balance checks whenever you need them.

Services Offered

Our branch provides a wide range of services designed to meet your banking needs. Whether you're looking for personal checking and savings accounts, auto loans, mortgage refinancing, or even business banking solutions, Winsouth has you covered. Plus, with our drive-thru service available for deposits and simple transactions, banking has never been more convenient. For any questions or assistance, feel free to reach out at 256-638-6230. Our team is always ready to help! So why wait? Visit Winsouth today at 67 Roy Sanderson Ave in Rainsville or give us a call we're excited to assist you with all your banking needs!

Member Eligibility

At Winsouth, we believe that everyone deserves a financial partner who cares. Becoming a member is like joining a close-knit community where your needs are prioritized, and your voice matters. If you live, work, or worship in our area, you're already eligible to join us! We welcome individuals from all walks of life and backgrounds to experience the benefits of credit union membership, including personalized service and competitive rates on loans and savings accounts. Opening an account with us is straightforward and inviting. You can stop by our branch located at 67 Roy Sanderson Ave Rainsville Al 35986 to meet our friendly staff who will guide you through the process. For more detailed information about eligibility criteria, feel free to check out our website at . If you have any questions or need assistance, don't hesitate to call us at (256) 638-6230 we're here to help you every step of the way!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In today's fast-paced world, having efficient payment processing is crucial for any business. Our merchant services simplify transactions so you can focus on what matters most growing your business. From accepting credit cards to managing online payments, we provide the tools necessary for smooth operations. Visit us at 67 Roy Sanderson Ave Rainsville Al 35986 in Rainsville, AL, or call us at (256) 638-6230 to explore how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? With our ATM availability at various locations and drive-thru service for simple transactions like deposits and withdrawals, getting cash has never been easier. At Winsouth, we pride ourselves on being more than just a credit union; we're part of the community. Our friendly staff is always ready to assist you with any questions or concerns you may have. For more information about our services or to speak with someone directly, call us at (256) 638-6230. We invite you to visit us at 67 Roy Sanderson Ave Rainsville Al 35986 in Rainsville, AL or explore our website at https://www.winsouthcu.com/ to learn more about how we can help meet your financial goals!

Business Banking Services

If you're a business owner, we offer tailored business banking solutions including merchant services and business loans. We understand the challenges of running a business and are here to support you every step of the way.

Credit Cards with Rewards

For those who love rewards, our credit cards come with various perks that can enhance your spending power. From cash back on purchases to travel rewards, there's something for everyone.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services that allow you to manage your finances anytime, anywhere. You can check balances, transfer funds, and even make person-to-person payments with just a few taps on your smartphone.

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans offer competitive rates and flexible terms to help you secure your dream property. Already own a home? Consider our refinancing options to potentially lower your monthly payments or access cash from your home equity.

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed for everyday needs. Imagine having easy access to your money with options that fit your lifestyle. If you're in the market for a new car, our auto loans and vehicle financing can help you hit the road in no time. We understand that life can be unpredictable, which is why our personal loans and debt consolidation options are here to provide financial relief when you need it most.

Digital & Online Banking

Key Features

We've made sure to include features that not only simplify banking but also enhance security. For instance, our electronic signature authorization allows you to sign documents securely online, eliminating the need for paper forms and saving you time. You can also opt for e-statements, which provide a quick and eco-friendly way to keep track of your account statements without cluttering your inbox. Need to send money to a friend? Our person-to-person transfers make it easy to send cash quickly and safely. And if you're looking for added convenience, our mobile payments feature lets you make purchases with just a tap using your mobile device.

Security You Can Trust

Your security is our priority. We use advanced technology to protect your personal information, ensuring that you can bank with confidence. All these services are designed with user-friendliness in mind, so whether you're tech-savvy or new to digital banking, you'll find it straightforward and intuitive. At Winsouth, we believe that managing your finances should be simple and accessible for everyone. With our suite of digital banking options, you're in control anytime and anywhere. Join us today at https://www.winsouthcu.com/ and experience the future of banking!

Financial Strength

Dedicated Team

We take pride in having 103 full-time employees and 22 part-time employees who are always ready to serve you with a knowledgeable, committed team. Together, they help ensure that your needs are met promptly and efficiently.

Investment 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 commitment is reflected in our lending capacity, with $5,396 in used auto loans and $277,344,969 in total loans and leases that support your financial aspirations across various sectors. Additionally, our operational efficiency is highlighted by our $362,169, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings

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. This solid position reflects our commitment to the well-being of our members and their financial goals. Our net worth ratio of $1,026 demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

Total Share Accounts: 69,138, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $51,383,017, further emphasizing our capacity to meet your 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 67 Roy Sanderson Ave Rainsville Al 35986 or call (256) 638-6230 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Options

For those interested in business opportunities, our outstanding commercial loans totaling $3,317,819 provide the capital needed to grow and expand your venture. We pride ourselves on understanding the needs of local businesses and providing personalized service to ensure your success. At Winsouth, we're not just about lending; we're about building relationships and supporting our members every step of the way. If you're curious about eligibility or want more information on any of our loan products including refinancing options feel free to reach out at 256-638-6230. 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 check out our website at Winsouth for more details on how we can assist you!

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 flexible terms and competitive interest rates for both new and used vehicles. Plus, if you're considering refinancing your current auto loan, we have options available that can save you money each month.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $7,608,171. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process with ease.

Unsecured Credit Cards

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 rewards and benefits that can enhance your purchasing power while ensuring you stay within your budget.

Loan Aggregator

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WINSOUTH CREDIT UNION - Rainsville, AL