Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.

Account	Minimum Opening Deposit	Minimum Balance to Earn Dividends	APY
Share Savings	$25	$2,000	0.10%
Super Savings	$1,000	$1,000	0.25%
Whatever Savings	$5	$5	0.10%
Christmas Club	$5	$5	0.10%

New Share Certificate Learn More

Term	Minimum Opening Balance	APY
6 month	$1,000	0.70%
6 month special	$1,000	4.85%
12 month	$1,000	0.85%
12 month special	$1,000	4.25%
24 month	$1,000	0.95%
36 month	$1,000	1.21%
48 month	$1,000	1.41%
60 month	$1,000	1.66%

Penalty for early withdrawal

Money Market Accounts Learn More

Balance Required	APY
$1,000 - $4,999	0.25%
$5,000 - $9,999	0.25%
$10,000 - $14,999	0.25%
$15,000 - $49,999	0.25%
$50,000 - $99,999	0.35%
$100,000 - $199,999	3.00%
$200,000+	3.00%

IRAs Learn More

Term	Minimum Opening Balance	APY
6 month	$1,000	0.70%
6 month special	$1,000	4.85%
12 month	$1,000	0.85%
12 month special	$1,000	4.25%
24 month	$1,000	0.95%
36 month	$1,000	1.21%
48 month	$1,000	1.41%
60 month	$1,000	1.66%
IRA Club Account 66	$1,000	0.30%

Penalty for early withdrawal

Loan Rates

Terms and conditions are subject to change without notice. Some restrictions may apply. All loan APR rates quoted are subject to credit approval and rates may vary based on individual creditworthiness. Please contact a WinSouth Credit Union Employee for further information about applicable fees and terms.

The below rates represent the lowest possible rate for each term and loan type. Individual rates vary based upon individual credit worthiness. Example: A 5 year (60 month) fixed-rate loan for a $25,000 car. Based on an APR of 6.00%, this loan would have a monthly payment of $483.32.

New Auto Loans Learn More

Term	APR
84 months	6.75%
72 months	6.00%
60 months	5.75%
48 months	5.50%
36 months	5.50%
12 months	5.50%

Used Auto Loans Learn More

Term	APR
84 Months	7.00%
72 Months	6.50%
60 Months	6.00%
48 Months	5.90%
36 Months	5.90%
12 Months	5.90%

Boat & RV Loans Learn More

Term	APR
144 months	8.00%
120 months	7.80%
84 months	7.50%
60 months	6.95%
48 months	6.50%
36 months	6.50%
12 months	6.50%

Motorcycles & Side by Sides

Term	APR
72 months	7.25%
60 months	6.75%
48 months	6.50%
36 months	6.25%
12 months	6.25%

Secured Loans

Loan Type	Term	APR
Other Secured	60 months	7.25%
Other Secured	48 months	6.75%
Other Secured	36 months	6.50%
Other Secured	12 months	6.50%
Share Secured	36 months	Share rate + 2%*
Share Secured	12 months	Share rate + 2%*
Secured 90 Day Note	90 days	Collateral rate + 1%
Certificate Secured	Certificate term	Certificate rate + 2%*