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Business Certificates

Designed with a blend of secu­ri­ty and steady returns. Per­fect for com­pa­nies seek­ing a low-risk invest­ment to grow their reserves, our CDs 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 Monthly

Details

  • Avail­able to 18+ years old
  • Min­i­mum open­ing bal­ance $500

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

Business Share Certificates Rates

TermAPYMinimum BalanceDividend Rate
6 Months 3.82% $500 3.75%
10 Months** 4.07% $500 4.00%
12 Months 3.20% $500 3.15%
18 Months** 4.18% $500 4.10%
24 Months 3.04% $500 3.00%
36 Months 2.78% $500 2.75%
48 Months 2.58% $500 2.55%
60 Months 2.68% $500 2.65%

*  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.

** For cer­tifi­cate spe­cials if the term is not avail­able on matu­ri­ty, your cer­tifi­cate will be renewed to the next high­est term.

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.