Credit union · NCUA insured
WinSouth Credit Union
Top CarrotA $468.9M credit union headquartered in Gadsden, AL, with 35,752 members and 9 branches in Alabama. Best rates: CDs 4.10% and savings 2.00% APY.
WinSouth Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#7 of 35 in Birmingham, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WinSouth Credit Union
Celebrating its 75th anniversary, WinSouth Credit Union has served the people of northeast Alabama for more than seven decades.
- Headquarters
- 110 S 26th St, Gadsden, AL 35904-1935
- NCUA charter
- 68744
Branches
9 branches in Alabama
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Alabama
9 branches
Gadsden area · 3
- Gulf StatesMain office110 S 26th St, Gadsden, AL 35904Directions
- City Branch320 Albert Rains Blvd, Gadsden, AL 35901Directions
- Rainbow City199 Independent Dr, Rainbow City, AL 35906Directions
Birmingham area · 3
- Moody2460 Moody Pkwy, Moody, AL 35004Directions
- Oneonta201 3rd St S, Oneonta, AL 35121Directions
- Pell City2950 Cogswell AVe, Pell City, AL 35125Directions
Fort Payne area · 2
- Fort Payne101 Drinkard Dr NW, Fort Payne, AL 35967Directions
- Rainsville67 Roy Sanderson Ave, Rainsville, AL 35986Directions
Albertville area · 1
- Albertville3512 US Highway 431, Albertville, AL 35950Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.41% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.65% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $70 | $76 | — |
- CapitalNet worth ratio10.41%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.65%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$70Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of WinSouth Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.