Credit union · NCUA insured
WinSouth Credit Union CD Rates
Top CarrotWinSouth Credit Union’s best CD rate is 4.10% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How WinSouth Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where WinSouth Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WinSouth Credit Union
4.10%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $410
Share Certificate
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
WinSouth Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where WinSouth Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.10%APY · 6 terms
Penalty for early withdrawal. Minimum opening balance of $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.70% | $35 |
| 6 months6 month special | 4.00% | $198 |
| 12 months | 0.85% | $85 |
| 12 months12 month special | 4.10% | $410 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Special-purpose accounts
Individual Retirement Accounts
Up to 4.10%APY · 6 terms
Penalty for early withdrawal. Minimum opening balance of $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.70% | $35 |
| 6 months6 month special | 4.00% | $198 |
| 12 months | 0.85% | $85 |
| 12 months12 month special | 4.10% | $410 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (3)
- winsouthcu.com/loans/personal-loans/auto-loan.html
- winsouthcu.com/personal/person…ement-accounts-iras.html
- winsouthcu.com/rates.html
All captured Sep 19, 2026
Who can join WinSouth Credit Union
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