Business Loans

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!

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.