Our Story

Winchester Federal Savings and Loan Association was chartered in 1934 during the Great Depression to promote thrift and home ownership for everyone. We gave our first loan January 14, 1935 on a house that was built on Pendleton Street. The loan was for $1,200 with a payment of $12 per month. While costs have changed, our purpose has remained the same – people helping people.

With banks on almost every corner, you have many choices.

We are a strong community bank that has been in existence for over 80 years. Staffed with knowledgeable and experienced associates, we are family-owned with local decision makers. We are small enough to know you and your business, yet big enough to offer you the services, products and technology you demand. Our team is dedicated to our customers and has the desire to exceed their expectations. If this is the type of bank you are looking for, then your choice is easy. Come see what sets us apart.

Meet Our Team

Kari Gough – President/CEO

Prior to accepting the position of President/CEO, Kari served as Chief Financial Officer for WinFirst for more than 15 years, and has worked in all facets of the Bank. She is a Certified Public Accountant, a Chartered Global Management Accountant, and holds dual bachelor’s’ degrees from the University of Kentucky in Accounting and Business Management. Kari serves as a board member for the Kentucky Bankers Association, and is the President for the Kentucky Thrift Foundation. Kari is a lifelong Winchester resident, and is very active in the community with her family.

Jamey Perry – Senior Vice President of Operations & BSA Officer

Jamey Perry has over 25 years of banking experience with WinFirst Bank. During that time, she has served in many different capacities, and is one of our most valued assets with her knowledge of banking, our customers and our community. Jamey has completed numerous training classes and seminars in bank related courses.

John Austin – VP, Head of Lending

John is a graduate of Morehead State University with a degree in Business Management and has been in the banking industry for over 20 years. He is a member of the Winchester Clark County Chamber of Commerce and currently a Chamber Ambassador. John has previously served as Chamber President 2012-2013 and 2014-2015. He has served on the Partner’s in Education Committee, Area Technology Steering Committee, has taught Junior Achievement and sings with the Winchester Chorale. John is a member of the Immanuel Baptist Church and also sings in the Worship Choir. NMLS #430355

Erica Jackson – CFO

Erica is a Certified Public Accountant and a Chartered Global Management Accountant who holds a bachelor’s degree in Accounting from Houghton College in New York. She currently serves on the board for the Clark County Homeless Coalition and loves working with children through her local church and the Partners in Education mentoring program. Although not a Kentucky native, she has grown to love Central Kentucky since relocating from Michigan.

Debra Teater – VP, Residential Loan Officer

Debra Teater has over 30 years of banking experience with a concentration in home loans. She is active in various community organizations including Winchester Civitan Club, Winchester Fish & Game Club, and Central Baptist Church. Born and raised in Winchester, she loves being involved in her local community. When not working on a closing for her customers, Debra enjoys spending time with her grandkids. NMLS# 455660

Stephanie Roarx Sultan – AVP, Commercial Loan Officer

Stephanie has served in the Winchester banking market for over 22 years as a Customer Service Representative, Loan Administrator, Consumer Loan Officer, BSA Officer and Retail Branch Manager. Stephanie is a lifelong resident of Winchester where she actively serves on the Board of Directors at Rosemary C. Brooks Place and P.I.E. (Partners in Education). She is a Winchester/Clark County Tourism Commissioner with the Chamber of Commerce, member of the Pioneer Festival Planning Committee and sings weekly on the worship team at Christview Christian Church. Stephanie enjoys traveling and started an international travel group in 2009, visiting 8 foreign countries since its inception. NMLS# 420070

Board of Directors

We are pleased and honored to have a diverse Board of Directors that represents knowledge of banking, business and our community – Sarah McCready Boston, Louise McCready Hart, David Woods, Mark McCammish, Danny Neely and Will Mayer.

Advisory Directors

We are also honored to have an excellent community minded Advisory Board that offers advice on a variety of topics – Robert Anderson, JoEllen Reed, Todd Denham, Josh Mounts, Lara Thornberry, Lauren Mink Frazer, Bruce Kostelnik and Blanton Coates.

Contact Us



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