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Share Certificates

Illu­mi­nate your sav­ings and let your mon­ey bask in the glow of steady growth. Share Cer­tifi­cates offer high­er pay­ing div­i­dends and flex­i­ble term options. Enjoy peace of mind with a term that fits your finan­cial goals — and watch your mon­ey grow with confidence!

Open Account

Features

  • High­er Pay­ing Dividends*
  • Flex­i­ble Term Options1
  • Div­i­dends Com­pound­ed & Cred­it­ed Monthly

Details

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

Share Certificates Rates

TermAPYMinimum BalanceDividend 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. 

Open Account

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 iden​ti​tytheft​.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.