Credit union · NCUA insured
WinSouth Credit Union Savings Rates
Top CarrotWinSouth Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How WinSouth Credit Union’s savings 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
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
Money Market Account
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
WinSouth Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.50%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
2.00%APY
In honor of the 75th anniversary, members with an active direct deposit—or who bring their direct deposit—receive an additional 0.75% added to current Money Market rates for a limited time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $4,999 | 1.50% | — |
| $5,000 – $9,999 | 1.50% | — |
| $10,000 – $14,999 | 2.00% | $200 |
| $15,000 – $49,999 | 2.50% | — |
| $50,000 – $99,999 | 2.75% | — |
| $100,000 – $199,999 | 2.75% | — |
| $200,000 and up | 2.75% | — |
Sources (4)
- winsouthcu.com
- winsouthcu.com/loans/personal-loans/auto-loan.html
- winsouthcu.com/personal/person…ney-market-accounts.html
- winsouthcu.com/rates.html
All captured Sep 19, 2026
Super Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.25% | $25 |
Share Savings
0.10%APY
Free savings that grants membership to WinSouth CU. Requires $25 minimum balance to maintain lifetime membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 and up | 0.10% | $10 |
Whatever Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Special-purpose accounts
IRA Club Account 66
0.30%APY
Traditional and Roth IRA options available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Christmas Club
0.10%APY
Funds automatically released via check or deposited to member savings account in early November; account remains open after transfer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Who can join WinSouth Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.