Features
- Higher Paying Dividends*
- Flexible Term Options1
- Dividends Compounded & Credited Monthly
Details
- Available to 18+ years old
- Minimum opening balance $500
Share Certificates Rates
Term | APY | Minimum Balance | Dividend Rate |
---|---|---|---|
6 Months | 4.23% | $500 | 4.15% |
10 Months** | 3.87% | $500 | 3.80% |
12 Months | 4.02% | $500 | 3.95% |
18 Months** | 4.33% | $500 | 4.25% |
24 Months | 3.46% | $500 | 3.40% |
36 Months | 3.51% | $500 | 3.45% |
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.
1After you start the account, you may not make additional deposits to a Certificate Account. The Certificate Account you have with us will mature on the maturity date identified on your Account Receipt or Renewal Notice. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal of the Certificate Account before the maturity date. 1) Amount of Penalty. For certificates with a term of 12 months or less, the amount of the early withdrawal penalty is 90 days dividends calculated on the amount withdrawn. For certificates with a term of more than 12 months, the amount of the early withdrawal penalty is 180 days dividends calculated on the amount withdrawn. 2) How the Penalty Works. The penalty is calculated as a forfeiture of part of the interest that has been or would be earned at the nominal interest rate on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal. 3) Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an ac- count owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. c. Renewal Policy Certificate accounts are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity. You have a grace period of five (5) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. d. Nontransferable/Nonnegotiable The account is nontransferable and nonnegotiable. The funds in the account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
Please refer to our Rate & Fee Schedule for a details on rates, service charges, and other fees.
Have a question about Sunbelt Share Certificates accounts?
Click any FAQ below. Or visit our full FAQ page for all questions and answers.
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.
Interest rates on share certificates (also known as certificates of deposit or CDs) vary and are based on the term and on the opening balance of the certificate. A list of our current savings rates and term lengths can be found here.
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.
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.