Investment

The eas­i­est way to add or remove a joint own­er is to have them come into a local branch with you to speak to one of our Finan­cial Ser­vices Rep­re­sen­ta­tives. They will also need to bring their cur­rent dri­ver’s license or iden­ti­fi­ca­tion card. Please note that if you have addi­tion­al co-own­ers on your account, all par­ties need to be present before anoth­er indi­vid­ual can be added or removed. If all par­ties can not be present at the same time, a Finan­cial Ser­vices Rep­re­sen­ta­tive will work with you to deter­mine oth­er avail­able options.

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.

A Roth IRA is an indi­vid­ual retire­ment account cre­at­ed by the Tax­pay­er Relief Act of 1997. Roth IRA accounts are tra­di­tion­al­ly used as retire­ment sav­ings accounts. They allow lim­it­ed con­tri­bu­tions to be made through­out the tax year, and can be with­drawn after the account has been open for at least five years, pro­vid­ed you are aged 59 ¹⁄₂ or older.

Any­one who works for a liv­ing can con­tribute to a Roth IRA account. The income must be derived from actu­al work efforts and com­pen­sa­tion in the form of wages, tips, salaries, bonus­es and pro­fes­sion­al fees.

There are lim­its on the amount of income one can make dur­ing a giv­en year — and the lim­its change from year to year. Please vis­it the IRS web­site for details.

Yes, you can main­tain both types of IRAs at the same time. You can even make con­tri­bu­tions to both types of IRAs in the same year. Please note that your con­tri­bu­tions to both Roth and tra­di­tion­al IRAs can­not exceed the max­i­mum con­tri­bu­tion lim­it for all IRAs.

Yes, you will earn inter­est on the funds that are on deposit at the cred­it union in your Roth IRA. Click here to view Roth IRA rates.

No. The amount you con­tribute to your 401(k) or oth­er employ­er-spon­sored plans will not be affect­ed by your Roth IRA.

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.