--- title: "Winsouth Credit Union: #1 Mortgage in Alabama" description: "Winsouth Credit Union has the lowest tracked 30-year fixed mortgage rate in Alabama (6.32% APR) among 6 credit unions we verify. Winsouth Credit Union rates today: 30 year fixed mortgage 6.62% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Winsouth Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/winsouth" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Winsouth Credit Union: #1 Mortgage in Alabama ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.619% APR | 6.500% | — | Standard | | **15-Year Fixed** 15 year fixed | 5.815% APR | 5.625% | — | Standard | | **10-Year Fixed** 10 year fixed | 5.643% APR | 5.375% | — | Standard | | **30 Year ARM 5 Year Fixed** 5 1 arm | 6.320% APR | 4.990% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.405% APR | 6.250% | — | Standard | Winsouth Credit Union mortgage rates as of November 11, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Visa Classic** credit_card | — APR | 9.900% | — | Standard | Winsouth Credit Union credit card rates as of November 11, 2026 ### Savings & CD rates 10 offers | Product | Published | Rate | Term / condition | Status | | **IRA Club Account 66** ira | — APY | 0.30% | — | Specialty offer | | **6-Month Certificate** cd_6mo | — APY | 0.70% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 0.85% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.75% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.75% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.75% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.75% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 5.75% | 36 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 5.75% | 12 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 5.75% | 48 mo | Standard | Winsouth Credit Union savings & cd rates as of November 11, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **6 Month Special** other | — % | 4.000% | — | Standard | | **12 Month Special** other | — % | 4.100% | — | Standard | Winsouth Credit Union other rates as of November 11, 2026 As of November 11, 2026, Winsouth Credit Union offers a 30-year fixed mortgage at 6.619% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/winsouth) , verified from [Winsouth Credit Union's official website](https://www.winsouthcu.com/) Best product position **#1 of 6** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **56 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked Alabama markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.32% | #1 of 6 · lowest in Alabama | State market leader | 56 bp better than median | | 15-year fixed mortgage | 5.82% | #1 of 5 · lowest in Alabama | State market leader | 45 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Winsouth Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=winsouth&state=alabama&code=AL&name=Winsouth%20Credit%20Union) Loading branch locator… ## About Winsouth Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 35.8K Assets $468.9M Founded 1951 Locations reported 9 NCUA charter 68744 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Emblem** Emblem Credit Union · Gadsden · AL · 35901 About 4.2 miles away](https://rateapi.dev/credit-unions/alabama/emblem) [**Family Savings** East Gadsden Branch · Gadsden · AL · 35903-1917 About 4.4 miles away](https://rateapi.dev/credit-unions/alabama/family-savings) [**Family Security** Boaz · Boaz · AL · 35957-2172 About 12.3 miles away](https://rateapi.dev/credit-unions/alabama/family-security) [**Alabama One** Centre Branch · Centre · AL · 35960 About 19.2 miles away](https://rateapi.dev/credit-unions/alabama/alabama-one) [**Alatrust** Jacksonville Branch · Jacksonville · AL · 36265 About 19.4 miles away](https://rateapi.dev/credit-unions/alabama/alatrust) [**Aod** Jacksonville · Jacksonville · AL · 36265 About 19.4 miles away](https://rateapi.dev/credit-unions/alabama/aod) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Winsouth Credit Union Membership eligibility from Winsouth Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Winsouth Credit Union's website. Check the membership page below to confirm whether you qualify. - Location blount, calhoun, cherokee, cleburne, cullman, dekalb, etowah, jackson, jefferson, madison, marshall, morgan, shelby, st. clair, talladega — AL Verified from [Winsouth Credit Union's membership page](https://www.winsouthcu.com/discover/membership/how-to-join.html) . Final membership determination is always made by the credit union. ## Membership rules for Winsouth Credit Union Geography 15 counties 30 published paths to membership, last verified November 8, 2026, quoted from Winsouth Credit Union’s own published criteria. ### Geography 15 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Blount County, AL - Calhoun County, AL - Cherokee County, AL - Cleburne County, AL - Cullman County, AL - Dekalb County, AL - Etowah County, AL - Jackson County, AL - Jefferson County, AL - Madison County, AL - Marshall County, AL - Morgan County, AL - Shelby County, AL - St. Clair County, AL - Talladega County, AL “Blount County” > [source ↗](https://www.winsouthcu.com/discover/membership/how-to-join.html) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Winsouth Credit Union? Yes No ## Work at Winsouth Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Winsouth Credit Union ranks against Alabama peers. - See which AI assistants fetched Winsouth Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=winsouth&state=alabama&code=AL&name=Winsouth%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Winsouth Credit Union offer? Winsouth Credit Union currently offers mortgage, and credit card rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are Winsouth Credit Union rates updated? RateAPI verifies Winsouth Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get Winsouth Credit Union's rate data? Rate data is collected directly from Winsouth Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Winsouth Credit Union's mortgage rate? As of November 11, 2026, Winsouth Credit Union offers a 30-year fixed mortgage at 6.619% APR. ### Who can join Winsouth Credit Union? Winsouth Credit Union publishes its membership criteria on its own website. RateAPI tracks 30 published membership paths covering 15 counties for Winsouth Credit Union, each quoted from Winsouth Credit Union's own published membership criteria. ## Related Rate Data Compare Winsouth Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama mortgage rate leaders](https://rateapi.dev/mortgage-rates/alabama) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.winsouthcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Winsouth Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Winsouth Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /winsouth " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Winsouth Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/winsouth Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp