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PINE BELT

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PINE BELT Rates & Review April 2026

Q: Is PINE BELT a safe place to deposit money?

Yes, PINE BELT is considered a safe financial institution. With a Texas Ratio of 0.6331357062016%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does PINE BELT operate?

PINE BELT currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join PINE BELT?

Yes, to access services at PINE BELT, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, PINE BELT does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PINE BELT provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 5, 2026

You can compare PINE BELT rates to other rates in our database, including 12-month share certificate rates currently at 2.68%, 6-month share certificate rates at 0.20% and 3-month share certificate rates at 3.00%. Savings rates are at 1.00% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to PINE BELT rates. MonitorBankRates evaluates the financial stability of PINE BELT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.63%. Rates were last updated on 04/05/2026.

PINE BELT money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at PINE BELT? Share your experience about PINE BELT by leaving a review below, or read customer reviews before you decide to use PINE BELT.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.63%

Excellent Lower than avg

Intrust Bank
Pine Belt Federal Credit Union

1808 Evelyn Gandy Parkway
Hattiesburg, MS 39401

http://www.pinebeltfcu.org

Current Rate Availability

We do not have PINE BELT rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for PINE BELT is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather PINE BELT rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with PINE BELT's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PINE BELT

Website http://www.pinebeltfcu.org

Address 1808 Evelyn Gandy Parkway, Hattiesburg, MS 39401

Phone 601-583-3242

Fax 601-544-1756

President Ira Graham

CEO Brian Green

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.63%

Return on Assets (ROA)

0.3344%

Return on Equity (ROE)

1.1335%

Non-Performing Loans Ratio (NPL)

0.26%

Total Assets

12,957,706

Total Amount of Shares and Deposits

9,096,925

Total Shares and Deposits < 1 Year

9,096,925

Total Insured Shares and Deposits > $250K (item 17 less item K)

9,096,925

Total Interest Expense (Sum of items 6 8)

131,846

Share Certificates

Number of Accounts for Share Drafts

462

Number of Accounts for Regular Shares

1,693

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

872,281

Total Liabilities

9,150,174

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About PINE BELT

Is PINE BELT a safe place to deposit money?

Yes, PINE BELT is considered a safe financial institution. With a Texas Ratio of 0.6331357062016%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does PINE BELT operate?

PINE BELT currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join PINE BELT?

Yes, to access services at PINE BELT, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, PINE BELT does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, PINE BELT provides members with tools to manage their accounts and build a solid financial history.

Does PINE BELT offer online and mobile banking?

Most modern institutions like PINE BELT provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.pinebeltfcu.org.