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Money Investment

Designed with a blend of secu­ri­ty and steady returns. Per­fect for com­pa­nies seek­ing a low-risk invest­ment to grow their reserves, our Busi­ness Mon­ey Invest­ment accounts offer an attrac­tive alter­na­tive to tra­di­tion­al sav­ings accounts. Enjoy peace of mind with a term that fits your business’s finan­cial goals — and watch your mon­ey grow!

Features

  • High­er Pay­ing Div­i­dends*
  • Flex­i­ble Term Options
  • Div­i­dends Com­pound­ed & Cred­it­ed Week­ly1

Details

  • Eli­gi­bil­i­ty for Busi­ness Mon­ey Invest­ment Accounts is lim­it­ed to busi­ness orga­ni­za­tions that have an out­stand­ing Sun­belt FCU busi­ness loan when the account is opened.**
  • Sole pro­pri­etors are not eli­gi­ble**
  • Min­i­mum open­ing bal­ance $1,000*

Note: Busi­ness accounts can­not be opened online. Please vis­it your near­est branch to open a busi­ness account.

Business Money Investment Rates

TermAPYMinimum BalanceDividend Rate
Balance $2,500 - $9,999.99 0.10% $2,500 0.10%
Balance $10,000 - $24,999.99 0.50% $2,500 0.50%
Balance $25,000 - $49,999.99 1.25% $2,500 1.24%
Balance $50,000 - $99,999.99 1.75% $2,500 1.74%
Balance $100,000 - $249,999.99 2.25% $2,500 2.23%
Balance $250,000+ 2.50% $2,500 2.47%

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

** Eli­gi­bil­i­ty for Busi­ness Mon­ey Invest­ment Accounts is lim­it­ed to busi­ness orga­ni­za­tions that have an out­stand­ing Sun­belt FCU busi­ness loan when the account is opened. Sole pro­pri­etors are not eli­gi­ble. In addi­tion, you may not make more than four (4) cov­ered trans­ac­tions per month. Cov­ered trans­ac­tions include your checks, trans­fers ini­ti­at­ed through online bank­ing or mobile bank­ing, ACH trans­fers, mer­chant point of sale trans­ac­tions, preau­tho­rized or auto­mat­ic trans­fers, and over­draft pro­tec­tion trans­fers. Trans­fers to pay a loan with us are not cov­ered by this lim­it. The date we use to deter­mine the num­ber of trans­ac­tions is the date a trans­ac­tion is post­ed to (actu­al­ly cred­it­ed to or deb­it­ed from) an account, rather than the date you ini­ti­ate the trans­ac­tion. If you exceed this lim­it, we may refuse or reverse the trans­ac­tion, and we may impose a charge as spec­i­fied in the list­ing of ser­vice charges pro­vid­ed below. If you repeat­ed­ly exceed this lim­it, we may ter­mi­nate the account. The account will no longer earn div­i­dends once the qual­i­fy­ing busi­ness loan is closed.

1 The Div­i­dend Rate and Annu­al Per­cent­age Yield on the accounts you have with us are iden­ti­fied above. The Div­i­dend Rate and Annu­al Per­cent­age Yield set are the rates and yields for the last div­i­dend peri­od as indi­cat­ed above. For all accounts except mon­ey invest­ment accounts and cer­tifi­cates, the Div­i­dend Rate and Annu­al Per­cent­age Yield may change month­ly as deter­mined by the Board of Direc­tors. For mon­ey invest­ment accounts, the Div­i­dend Rate and Annu­al Per­cent­age Yield may change week­ly as deter­mined by the Board of Direc­tors. Mon­ey invest­ment accounts are tiered rate accounts. For these accounts, if the bal­ance in the account is with­in the bal­ance range for a par­tic­u­lar tier, the div­i­dend rate for that tier will apply to the entire bal­ance in the account.

For a full list of rates, fees, and relat­ed infor­ma­tion, please refer to our Busi­ness Rate & Fee Sched­ule.

Have a question about Sunbelt Business Share Certificates accounts?

Click any FAQ below. Or vis­it our full FAQ page for all ques­tions and answers.

Sun­belt busi­ness accounts are opened by appoint­ment only. Please call our Account Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to sched­ule an appointment.

The rout­ing num­ber for Sun­belt FCU is 265377633. There are two dif­fer­ent num­bers that work as your account num­ber. If you need the num­ber asso­ci­at­ed with your sav­ings account, you will need your mem­ber num­ber. This num­ber is pro­vid­ed to you at account open­ing, nor­mal­ly writ­ten on a small card. If you are look­ing for your check­ing account num­ber, you can find that infor­ma­tion at the bot­tom of any of your checks. If you do not have access to either of these num­bers, please vis­it your local branch to have a direct deposit form print­ed or con­tact our Account Ser­vices team at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours.

Also com­mon­ly known as a CD, a cer­tifi­cate of deposit is a sav­ings cer­tifi­cate enti­tling the bear­er to receive inter­est. A CD has a matu­ri­ty date and a spec­i­fied fixed inter­est rate, and can be issued in any denom­i­na­tion start­ing at $500. When you open a CD, your mon­ey is on deposit for a spe­cif­ic time peri­od. Because you agree to keep it on deposit for a spec­i­fied time peri­od, you earn more than you would in a reg­u­lar sav­ings account. If you cash in your CD before its matu­ri­ty date, you pay a penalty.

If you feel you have been a vic­tim of iden­ti­ty theft, con­tact the FTC Iden­ti­ty Theft Hot­line toll-free at 1 – 877-IDTHEFT (438−4338). Con­tact by mail at: Iden­ti­ty Theft Clear­ing­house, Fed­er­al Trade Com­mis­sion, 600 Penn­syl­va­nia Avenue, NW, Wash­ing­ton, DC 20580; or online at iden​ti​tytheft​.gov.

You can change your address by:

  • Vis­it­ing your local branch and com­plet­ing a change of address form.
  • Log­ging into Cloud Bank­ing and chang­ing it under the ​“My Pro­file” tab.
  • Fax­ing a writ­ten request to our Account Ser­vices Depart­ment at 601−649−7156. The request should include the old address, new address, your sig­na­ture and the date.
  • Con­tact­ing our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to request that a change of address form be mailed to you. Once we receive your com­plet­ed form, we will update your address.

If any of your con­tact infor­ma­tion changes, please let us know as soon as pos­si­ble. This will help us con­tact you quick­ly in the event of sus­pect­ed fraud, and pre­vent you from expe­ri­enc­ing any fees or inter­rup­tion in ser­vices due to returned mail.

Your mon­ey is insured by the Nation­al Cred­it Union Admin­is­tra­tion (NCUA), an inde­pen­dent agency of the Unit­ed States Gov­ern­ment. Your sav­ings is fed­er­al­ly insured up to $250,000 and backed by the full faith and cred­it of the Unit­ed States Government.