Winsouth Federal Credit Union

Headquarters: Gadsden, Alabama
Charter: Credit Union
Assets: $479.4M
Fed district: Atlanta

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Winsouth Federal Credit Union: $30
Winsouth Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Winsouth Federal Credit Union: $30
Winsouth Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Winsouth Federal Credit Union: $20
Winsouth Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Winsouth Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closure Fee (Note: Account closed within 90 days of opening.)$25
Inactivity Fee - No withdrawals or deposits in the past year$10
per month
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
per month

Overdraft & NSF

Overdraft Fee (Includes Privilege Plus Protection)$30
Return/NSF Fee (Note: Includes ACH Items.)$30
Returned Item Fee$30
Overdraft Transfer Fee$3

ATM & Card

Debit Card Reissue Fee$10
VISA Card Rush Fee$30

Wire Transfers

Outgoing Wire Transfer Fee (Domestic)$20
Incoming Wire Transfer Fee (Domestic)$10

Check Services

Cashier’s Check Fee$2
Stop Payment Fee$25
Temporary Checks Fee 4$1
Collection Item Fee$15
per item
Share Draft Copies Fee$5

Digital & Electronic

Bill Pay Fee$5
per month

Account Services

Responses to Levies, Attachments, and Garnishments Fee$100

Lending Fees

Loan Late Payment (audience not stated, treated as personal)5%($5 minimum, $100 maximum)
VISA Late Payment Fee$25

Gift & Prepaid Cards

Visas Gift Card Fee$2.50

Other Fees

Photo Copy Fee$1
Not compared: Charged per page; comparison unavailable
per page
Mortgage Payoff Statement Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee (Note: Account closed within 90 days of opening.)	$25	Not stated	None
Inactivity Fee - No withdrawals or deposits in the past year	$10	per month	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	per month	None
Overdraft & NSF
Overdraft Fee (Includes Privilege Plus Protection)	$30	Not stated	None
Return/NSF Fee (Note: Includes ACH Items.)	$30	Not stated	None
Returned Item Fee	$30	Not stated	None
Overdraft Transfer Fee	$3	Not stated	None
ATM & Card
Debit Card Reissue Fee	$10	Not stated	None
VISA Card Rush Fee	$30	Not stated	None
Wire Transfers
Outgoing Wire Transfer Fee (Domestic)	$20	Not stated	None
Incoming Wire Transfer Fee (Domestic)	$10	Not stated	None
Check Services
Cashier’s Check Fee	$2	Not stated	None
Stop Payment Fee	$25	Not stated	None
Temporary Checks Fee 4	$1	Not stated	None
Collection Item Fee	$15	per item	None
Share Draft Copies Fee	$5	Not stated	None
Digital & Electronic
Bill Pay Fee	$5	per month	None
Account Services
Responses to Levies, Attachments, and Garnishments Fee	$100	Not stated	None
Lending Fees
Loan Late Payment (audience not stated, treated as personal)	5%($5 minimum, $100 maximum)	Not stated	None
VISA Late Payment Fee	$25	Not stated	None
Gift & Prepaid Cards
Visas Gift Card Fee	$2.50	Not stated	None
Other Fees
Photo Copy Fee	$1Not compared: Charged per page; comparison unavailable	per page	None
Mortgage Payoff Statement Fee	$25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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