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a term of 12 months or less, the amount of the early withdrawal penalty is 90 days dividends calculated on the amount withdrawn.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term of more than 12 months, the amount of the early withdrawal penalty is 180 days dividends calculated on the amount withdrawn. 2) How the Penalty Works.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.
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.
If your employer offers direct deposit, you will sign up through them. We can provide you with a direct deposit form that contains your routing number (265377633) and Sunbelt account number(s). Your checking account number can be found at the bottom of any checks you may have for your account. If you do not have a checking account, you will provide the same routing number and your member number, which allows your employer to place the funds directly into your savings account. If your employer requires a direct deposit form, please visit your local branch or contact our Account Services team at 601−649−7181 (option 2) during normal business hours.
Always be cautious when providing your personal account information. If you are providing the information to someone other than your employer for a direct deposit or withdrawal, be sure you are familiar with the company or individual, and take steps to ensure that you are not giving the information to someone looking to commit fraud.
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.
Sunbelt reviews all checks on a case-by-case basis to determine if any holds will be required. If you make your deposit in person, your teller will let you know before processing the check if there will be a hold. If you deposit your check at an ATM, an Account Services Representative will contact you if there will be any additional holds. We are unable to reverse ATM check deposits due to holds.
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.
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.
Some employers do allow different portions of an employee’s payroll to be deposited into different accounts. You will first need to verify with your employer’s payroll department that this is a service they offer — if so, they will let you know if they need any specific information from Sunbelt. If your employer does not offer this to their employees, you can set up an automatic distribution from one of your Sunbelt accounts to another by either coming into your local branch or logging into your Cloud Banking.
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.
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 identitytheft.gov.
You qualify for membership with Sunbelt if you:
- Live, work, worship, volunteer or attend school in parts of Forest, Lamar and Covington counties, or all of Jones, Wayne, Pike and Simpson counties
- Have an immediate family member who is currently a SFCU member or qualifies for membership
- Are employed with one of our Select Employment Groups
Visit our application page to get started!
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.