# Winsouth Credit Union Share Certificate (CD): 3.90% APY

Canonical: https://dealaka.com/offers/winsouth-credit-union-share-certificate-cd-rate

- Status: Limited reports
- Bonus: 3.90% APY
- APY: 3.90% (6-month term)
- Requirement: 6-month or 12-month term
- Expires: no published end date
- Availability: Nationwide
- Institution: Winsouth Credit Union
- Verified: Aug 16, 2026 against winsouthcu.com
- Field reports: 0

## Summary
Winsouth offers 3.90% APY on a 6-month share certificate or 3.75% APY on a 12-month certificate. Members with an active direct deposit receive an additional 0.75% added to money market rates for a limited time as part of the institution's 75th anniversary promotion.

## Requirements
1. Apply through the offer page to open the Share Certificate (CD).
2. Complete the requirement: 6-month or 12-month term.

## Sources
- winsouthcu.com rate page <https://www.winsouthcu.com/> (checked Aug 16, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._