Rates, Fees & Calculators




Consumer Loan Rates

Effective as of: August 1, 2015

  UNSECURED &
VISA
Loan Value
AUTOS, MOTORCYCLES & MOTOR HOMES
BOATS
Loan Term   24 Mo 36 Mo 48 Mo 60 Mo 72 Mo
Rates as low as 8.75% 1.90% 1.90% 2.90% 3.50% 3.75%
 
*APR - Annual Percentage Rate. Rates are subject to change. Please call for current rate information.



  RATES ON ATVS, GOLF CARTS, UTVS, JET SKIS, FARM EQUIPMENT, GARDEN EQUIPMENT,
TRAVEL TRAILERS, CAMPER TRAILERS, FURNITURE AND APPLICANCES
Loan Term   24 Mo 36 Mo 48 Mo 60 Mo 72 Mo
Rates as low as   4.50% 4.75% 5.00% 5.25% 5.50%
 
*APR - Annual Percentage Rate. Rates are subject to change. Please call for current rate information.

Maximum finance amount: New/Used Farm Equipment, New Garden Equipment, New/Used Travel /Camper Trailer, New Jet Skis 90% retail
  New Furniture/Appliances Purchase Price
  New/Used ATVs, UTVs, Golf Carts 90-100%*

*finance amount based on credit history
 

Share Rates

Effective as of: August 1, 2015

 
Account Type Minimum Balance Compound Frequency APY* Rate
Regular Share $5.00, $100 average daily balance to earn dividends Monthly 0.25% 0.25%
Sunny Kids Club $5.00 to maintain share Monthly 0.25% 0.25%
Holiday Club None Monthly 0.25% 0.25%
Special Shares None Monthly 0.25% 0.25%
Checking / Rising Sun Checking none, $100 average daily balance to earn dividends Monthly 0.25% 0.25%
Money Investment $1,000 Weekly 0.35% 0.35%
Traditional IRA None Monthly 1.50% 1.49%
Roth IRA None Monthly 1.50% 1.49%
 
 
Account Type Minimum Balance Min Average Balance Compound Frequency APY* Rate
Regular Checking None $100 Monthly 0.25% 0.25%
Rising Sun Checking None $100 Monthly 0.25% 0.25% 
Advantage Checking¹ ² None $100 Monthly    
$100 - $20,000 Monthly 3.00% 2.96%
Over $20,000 Monthly 0.50% 0.50%
Non-Qualifying* $100 Monthly 0.25% 0.25%
         
1. Qualifying accounts require 10 signature MasterCard debit card purchases each month with an aggregate total of at least $100.00(transactions must post by close of business on last day of month), one ACH deposit each month, must receive Cloud Documents (valid email address required), and must not be subject to backup withholding (tax that is levied on investment income). Accounts with backup withholding will be converted to our regular checking account. Qualifying accounts also receive ATM fee refunds up to $25.00 each month. For any month in which these requirements are not satisfied, the non-qualifying dividend rate will apply and no ATM fee refunds will be paid.
2. Advantage Checking accounts must be natural person accounts (i.e. no business, DBA, or Trust accounts will be allowed in the program).

*APY = Annual Percentage Yield.
 
*APY - Annual Percentage Yield
 
Rates are subject to change. Please call for current rate information.
 

Maximum finance amount: Auto, Motorcycle, Motor Home 125%Clean Trade Value or 100%
Clean Trade Value > 10 Yrs Old
  Boat 100% Retail

Share Certificate Rates

Effective as of: August 1, 2015

 
Account Type Minimum Balance Compound Frequency APY* Rate
06 Months $500.00 Monthly 0.25% 0.25%
12 Months $500.00 Monthly 0.35% 0.35%
24 Months $500.00 Monthly 0.65% 0.65%
36 Months $500.00 Monthly 0.80% 0.80%
48 Months $500.00 Monthly 1.05% 1.05%
60 Months $500.00 Monthly 1.20% 1.20%
 
*APY - Annual Percentage Yield
 
Rates are subject to change. Please call for current rate information.
 

Transaction Limits

When it comes to transactions, all accounts are not created equal. There are "transaction accounts," such as share draft checking accounts, that offer unlimited transactions in virtually any form. Then there are "non-transaction accounts" that are intended to foster fewer transactions. Federal law limits the transactions that can be made on share savings and money market accounts, which fall into this category.

What are the limits?
Federal Regulation D states that you may make no more than six (6) automatic or preauthorized transfers from your share savings or money market account per calendar month or statement cycle. (The monthly limit is based on when the transaction is processed, not when the check or item was written or authorized.) If you make a combination of checks/drafts and automatic or preauthorized withdrawals, the total limit is still six.

 Transaction Limits by Month Checking Savings Money Market
Deposits
      In Person unlimited unlimited unlimited
      By Transfer (i.e., direct deposit of payroll or Social Security) unlimited unlimited unlimited
      By Mail unlimited unlimited unlimited
Transfers Between Accounts at the CSFCU
      In Person (or by messenger) unlimited unlimited unlimited
      At an ATM unlimited unlimited unlimited
      By Mail unlimited unlimited unlimited
      Pre-Authorized or Automatic Withdrawals unlimited six six
      By Pre-Authorized Transfer to pay a CSFCU Loan (incl. Visa, Mortgage, or Credit Union fees) unlimited unlimited unlimited
      Through the Internet (Sunbelt Cloud Branch) unlimited six six
      By Automated Phone System (Sunny By Phone) unlimited six six (6)
      By Phone Contact to a Telephone Representative unlimited six six
Transfers to Third Parties
      By Check or Share Draft unlimited n/a six
      By Debit Card/Check Card unlimited six six
      By Automated Phone System (Sunny By Phone) unlimited six six
      By Phone Contact to a Telephone Representative unlimited six six
      By Pre-Authorized Transfer (ACH) or Automatic Transfer unlimited six n/a
      Using Bill Pay unlimited six six
      By Fax unlimited six six
Withdrawals
      In Person unlimited unlimited unlimited
      At an ATM unlimited unlimited unlimited
      Through the Internet (Sunbelt Cloud Branch) with the check or share draft made payable to the member and mailed to his or her address. unlimited unlimited unlimited
      By fax with the check or share draft made payable to the member and mailed to his/her address. unlimited unlimited unlimited
      By telephone with the check or share draft made payable to the member and mailed to his/her address unlimited unlimited unlimited
  Check Rates Check Rates Check Rates

*The Credit Union may require a member to give at least 7 days' notice before funds can be withdrawn - transaction restrictions as imposed by Regulation D. Although in person withdrawals are unlimited you may incur a fee.

   
           
 
 
Phone Number: (601) 649-7181          Toll Free: (855) 786-2228          Sunny By Phone: Option 1          Lost or Stolen Debit Card: (601) 649-7181
 
This credit union is federally insured by the National Credit Union Administration.
     
Privacy   Terms   Routing Number
USA Patriot Act   Careers
 
Central Sunbelt FCU 1506 Congress Street Laurel, MS 39440 Phone: 601-649-7181  |  
Central Sunbelt FCU 734 Sawmill Road Laurel, MS 39440 Phone: 601-425-9442
Central Sunbelt FCU 112 South Westover Dr Hattiesburg, MS 39402 Phone: 601-264-9400  |  
Central Sunbelt FCU 1857 Lincoln Road Hattiesburg, MS 39402 Phone: 601-261-0719
Central Sunbelt FCU 1417 Aston Avenue McComb, MS 39648 Phone: 601-684-6278  |  
Central Sunbelt FCU 345 Central Road Waynesboro, MS 39367 Phone: 601-649-7181