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Sunbelt Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Sunbelt Federal Credit Union's top rates as of October 12, 2026 are 4.33% APY on its Business CDs - 18 month CD, 1.00% APY on savings, 4.00% APY on checking, and personal loans from 8.79% APR, according to rates verified by MonitorBankRates. Other Sunbelt Federal Credit Union CD rates include CD - 18 month at 4.33%, Business CDs - 10 month at 4.18%, and CD - 10 month at 4.18%. MonitorBankRates evaluates the financial stability of Sunbelt Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.42%. Rates last updated and verified on 10/12/2026.

Sunbelt Federal Credit Union 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 Sunbelt Federal Credit Union? Share your experience about Sunbelt Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sunbelt Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.42%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Sunbelt Federal Credit Union
49 Operations Center and Branch
6885 U S Highway 49
Hattiesburg, MS 39402
https://www.sunbeltfcu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sunbelt Federal Credit Union CD Rates

Product Rate APY Term View More
Share Certificate - 18 month 4.25% 4.33% 18 Months
Min Balance $500
Details Certificate special; if term is not available on maturity, certificate renews to next highest term; Minimum balance required to earn stated APY: $500
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.18% → 4.33% ▲ 0.15 pts · high 4.33% / low 4.18%
3.68%4.26%4.83%Sep 12, 2026: 4.18% APYSep 25, 2026: 4.33% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.33%▲ from 4.18%
  • Sep 12, 20264.18%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Share Certificate - 10 month 4.10% 4.18% 10 Months
Min Balance $500
Details Certificate special; if term is not available on maturity, certificate renews to next highest term; Minimum balance required to earn stated APY: $500
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.07% → 4.18% ▲ 0.11 pts · high 4.18% / low 4.07%
3.57%4.13%4.68%Sep 12, 2026: 4.07% APYSep 25, 2026: 4.18% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.18%▲ from 4.07%
  • Sep 12, 20264.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Share Certificate - 6 month 3.75% 3.82% 6 Months
Min Balance $500
Details Minimum balance required to earn stated APY: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Share Certificate - 12 month 3.15% 3.20% 12 Months
Min Balance $500
Details Minimum balance required to earn stated APY: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 12, 2026: 3.20% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Share Certificate - 24 month 3.00% 3.04% 24 Months
Min Balance $500
Details Minimum balance required to earn stated APY: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 12, 2026: 3.04% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Share Certificate - 36 month 2.75% 2.78% 36 Months
Min Balance $500
Details Minimum balance required to earn stated APY: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 12, 2026: 2.78% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Share Certificate - 60 month 2.65% 2.68% 60 Months
Min Balance $500
Details Minimum balance required to earn stated APY: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.68% APY · checked 7 times
2.18%2.68%3.18%Sep 12, 2026: 2.68% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Share Certificate - 48 month 2.55% 2.58% 48 Months
Min Balance $500
Details Minimum balance required to earn stated APY: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.58% APY · checked 7 times
2.08%2.58%3.08%Sep 12, 2026: 2.58% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%

Sunbelt Federal Credit Union Business CD Rates

Product Rate APY Term View More
Business Share Certificates - 18 month 4.25% 4.33% 18 Months
Min Balance $500
Details Certificate special; if term is not available at maturity, certificate renews to next highest term
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.18% → 4.33% ▲ 0.15 pts · high 4.33% / low 4.18%
3.68%4.26%4.83%Sep 12, 2026: 4.18% APYOct 4, 2026: 4.33% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.33%▲ from 4.18%
  • Sep 12, 20264.18%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Share Certificates - 10 month 4.10% 4.18% 10 Months
Min Balance $500
Details Certificate special; if term is not available at maturity, certificate renews to next highest term
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.07% → 4.18% ▲ 0.11 pts · high 4.18% / low 4.07%
3.57%4.13%4.68%Sep 12, 2026: 4.07% APYOct 4, 2026: 4.18% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 12, 20264.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Share Certificates - 6 month 3.75% 3.82% 6 Months
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Share Certificates - 12 month 3.15% 3.20% 12 Months
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 12, 2026: 3.20% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Share Certificates - 24 month 3.00% 3.04% 24 Months
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 12, 2026: 3.04% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Share Certificates - 36 month 2.75% 2.78% 36 Months
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 12, 2026: 2.78% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Share Certificates - 60 month 2.65% 2.68% 60 Months
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.68% APY · checked 6 times
2.18%2.68%3.18%Sep 12, 2026: 2.68% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Share Certificates - 48 month 2.55% 2.58% 48 Months
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.58% APY · checked 6 times
2.08%2.58%3.08%Sep 12, 2026: 2.58% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%

Sunbelt Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Club Savings 1.00% 1.00%
Min Balance $100
Details Balance: $0.01 - $1,500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Sunrise Kids Savings 0.50% 0.50%
Min Balance $100
Details Balance: $100 - $1,500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Holiday Club Savings 0.25% 0.25%
Details Minimum Balance Not Met; APY not earned when minimum balance not met
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Sunrise Kids Savings 0.25% 0.25%
Min Balance $100
Details Balance: Over $1,500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Regular Share Savings 0.15% 0.15%
Min Balance $100
Details Balance: $100 - $500; Dividend Rate 0.15%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 8, 2026: 0.15% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Special Share Savings 0.15% 0.15%
Min Balance $100
Details Minimum Balance for APY Met
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 8, 2026: 0.15% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Special Share Savings 0.05% 0.05%
Details Minimum Balance for APY Not Met
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%

Sunbelt Federal Credit Union Checking Rates

Product Rate APY View More
Advantage Checking 3.93% 4.00%
Min Balance $500
Details Qualifications Required; Balance: $500 - $20,000; Qualifying Dividend Rate; ATM rebates up to $25 per qualification cycle; Non-Qualifying Dividend Rate is 0.05% APY/0.05% dividend
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Rising Sun Checking 0.25% 0.25%
Min Balance $100
Details Minimum Balance for APY Met; Minimum Balance for APY Not Met dividend rate: 0.25%
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 4, 2026: 0.25% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
MyLife Checking 0.05% 0.05%
Min Balance $500
Details Qualifications Required; Minimum Balance for APY Met; Registration required for MyLife Rewards Benefits; $1.00 (up to $5.00) monthly credit
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Prime Checking 0.05% 0.05%
Min Balance $500
Details Minimum Balance for APY Met
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 4, 2026: 0.05% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Sun Checking 0.05% 0.05%
Min Balance $500
Details Qualifications Required; Minimum Balance for APY Met; $1.00 (up to $5.00) monthly credit
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 4, 2026: 0.05% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%

Sunbelt Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto & Motorcycle Loans - - 3.99% 24 Months
Details As Low As; Rates are the lowest possible and based on credit evaluation
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 12, 2026: 3.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Auto & Motorcycle Loans - - 4.24% 36 Months
Details As Low As; Rates are the lowest possible and based on credit evaluation
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Auto & Motorcycle Loans - - 5.24% 48 Months
Details As Low As; Rates are the lowest possible and based on credit evaluation
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.24% APR · checked 8 times
4.74%5.24%5.74%Sep 12, 2026: 5.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Auto & Motorcycle Loans - - 6.49% 60 Months
Details As Low As; Rates are the lowest possible and based on credit evaluation
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Auto & Motorcycle Loans - - 7.49% 72 Months
Details As Low As; Rates are the lowest possible and based on credit evaluation
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.49% APR · checked 8 times
6.99%7.49%7.99%Sep 12, 2026: 7.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Auto & Motorcycle Loans - - 8.99% 84 Months
Details As Low As; Rates are the lowest possible and based on credit evaluation
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.99% APR · checked 8 times
8.49%8.99%9.49%Sep 12, 2026: 8.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%

Sunbelt Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle Loans - 5.99% 24 Months
Details As Low As; APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Recreational Vehicle Loans - 6.24% 36 Months
Details As Low As; APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 8 times
5.74%6.24%6.74%Sep 12, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Recreational Vehicle Loans - 7.24% 48 Months
Details As Low As; APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.24% APR · checked 8 times
6.74%7.24%7.74%Sep 12, 2026: 7.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Recreational Vehicle Loans - 7.49% 60 Months
Details As Low As; APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.49% APR · checked 8 times
6.99%7.49%7.99%Sep 12, 2026: 7.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Recreational Vehicle Loans - 8.49% 72 Months
Details As Low As; APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.49% APR · checked 8 times
7.99%8.49%8.99%Sep 12, 2026: 8.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Recreational Vehicle Loans - 9.49% 84 Months
Details As Low As; APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.49% APR · checked 8 times
8.99%9.49%9.99%Sep 12, 2026: 9.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Recreational Vehicle Loans - 9.99% 96 Months
Details As Low As; APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Recreational Vehicle Loans - 10.99% 108 Months
Details As Low As; APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.99% APR · checked 8 times
10.49%10.99%11.49%Sep 12, 2026: 10.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%

Sunbelt Federal Credit Union Personal Loan Rates

Product APR Term View More
Bill Consolidation Loan - Individual 8.795% 72 Months
Details As Low As; Limit: Up to $20,000; Individual
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.80% APR · checked 2 times
8.30%8.80%9.30%Oct 8, 2026: 8.80% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Bill Consolidation Loan - Joint 8.795% 72 Months
Details As Low As; Limit: Up to $40,000; Joint
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.80% APR · checked 2 times
8.30%8.80%9.30%Oct 8, 2026: 8.80% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Personal Loan - Individual 8.795% Up to 72 Months
Details As Low As; Limit: $500 - $20,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.80% APR
8.30%8.80%9.30%Oct 12, 2026: 8.80% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Personal Loan - Joint 8.795% Up to 72 Months
Details As Low As; Limit: $500 - $40,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.80% APR
8.30%8.80%9.30%Oct 12, 2026: 8.80% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%

Sunbelt Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Credit Builder Loan - Individual - - 8.795% 72 Months
Details As Low As; Limit: $20,000 Maximum
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.80% APR · checked 2 times
8.30%8.80%9.30%Oct 8, 2026: 8.80% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Credit Builder Loan - Joint - - 8.795% 72 Months
Details As Low As; Limit: $40,000 Maximum
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.80% APR · checked 2 times
8.30%8.80%9.30%Oct 8, 2026: 8.80% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Refinance Your Current Sunbelt Loan - - 4.99%
Details As Low As; Rates as low as 4.99% APR
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Money Investment 0.10% - 0.10%
Min Balance $2,500
Details Balance: $2,500 - $9,999.99; Eligibility limited to business organizations with an outstanding Sunbelt FCU business loan when opened; sole proprietors not eligible
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 4, 2026: 0.10% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Money Investment 0.50% - 0.50%
Min Balance $2,500
Details Balance: $10,000 - $24,999.99; Eligibility limited to business organizations with an outstanding Sunbelt FCU business loan when opened; sole proprietors not eligible
Last Updated 10/12/2026
Rate History
1 change since Oct 4, 2026 · 0.10% → 0.50% ▲ 0.40 pts · high 0.50% / low 0.10%
0.00%0.50%1.00%Oct 4, 2026: 0.10% APYOct 8, 2026: 0.50% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20260.50%▲ from 0.10%
  • Oct 4, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Money Investment 1.24% - 1.25%
Min Balance $2,500
Details Balance: $25,000 - $49,999.99; Eligibility limited to business organizations with an outstanding Sunbelt FCU business loan when opened; sole proprietors not eligible
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 4, 2026: 1.25% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Money Investment 1.74% - 1.75%
Min Balance $2,500
Details Balance: $50,000 - $99,999.99; Eligibility limited to business organizations with an outstanding Sunbelt FCU business loan when opened; sole proprietors not eligible
Last Updated 10/12/2026
Rate History
1 change since Oct 4, 2026 · 1.25% → 1.75% ▲ 0.50 pts · high 1.75% / low 1.25%
0.75%1.50%2.25%Oct 4, 2026: 1.25% APYOct 8, 2026: 1.75% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20261.75%▲ from 1.25%
  • Oct 4, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Money Investment 2.23% - 2.25%
Min Balance $2,500
Details Balance: $100,000 - $249,999.99; Eligibility limited to business organizations with an outstanding Sunbelt FCU business loan when opened; sole proprietors not eligible
Last Updated 10/12/2026
Rate History
1 change since Oct 4, 2026 · 1.25% → 2.25% ▲ 1.00 pts · high 2.25% / low 1.25%
0.25%1.75%3.25%Oct 4, 2026: 1.25% APYOct 8, 2026: 2.25% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20262.25%▲ from 1.25%
  • Oct 4, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Business Money Investment 2.47% - 2.50%
Min Balance $2,500
Details Balance: $250,000 and over; Eligibility limited to business organizations with an outstanding Sunbelt FCU business loan when opened; sole proprietors not eligible
Last Updated 10/12/2026
Rate History
1 change since Oct 4, 2026 · 1.25% → 2.50% ▲ 1.25 pts · high 2.50% / low 1.25%
0.00%1.88%3.75%Oct 4, 2026: 1.25% APYOct 8, 2026: 2.50% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20262.50%▲ from 1.25%
  • Oct 4, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Money Investment Account 0.15% - 0.15%
Min Balance $1,000
Details Balance: $1,000 - $2,499
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 8, 2026: 0.15% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Money Investment Account 0.20% - 0.20%
Min Balance $1,000
Details Balance: $2,500 - $9,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Money Investment Account 0.35% - 0.35%
Min Balance $1,000
Details Balance: $10,000 - $49,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Money Investment Account 0.40% - 0.40%
Min Balance $1,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 8, 2026: 0.40% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Roth IRA 0.75% - 0.75%
Min Balance $100
Details Minimum Balance for APY Met
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Traditional IRA 0.75% - 0.75%
Min Balance $100
Details Minimum Balance for APY Met
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.42%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Sunbelt Federal Credit Union’s Texas Ratio fell from 2.16% in Q3 2023 to 1.42% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.8% 2.0★ 1.7% 3.0★ 2.5% 4.0★ 3.4% 5.0★ Healthy zone – entire history below the 15% limit 2.16% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.42% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$366M1.42%5.0A+
March 31, 2026$370M1.77%5.0A+
December 31, 2025$348M2.15%5.0A+
September 30, 2025$337M1.85%5.0A+
June 30, 2025$333M1.37%5.0A+
March 31, 2025$333M1.98%5.0A+
December 31, 2024$314M2.51%5.0A+
September 30, 2024$306M2.42%5.0A+
June 30, 2024$296M1.84%5.0A+
March 31, 2024$297M1.57%5.0A+
December 31, 2023$278M1.74%5.0A+
September 30, 2023$275M2.16%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Sunbelt Federal Credit Union 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 Sunbelt Federal Credit Union 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 Sunbelt Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sunbelt Federal Credit Union
Website https://www.sunbeltfcu.org
Address 6885 U S Highway 49, Hattiesburg, MS 39402
Phone 601-649-7181
Fax
President Jolee Moorer
CEO W. Christopher Hammond
Full-Time Employees 105
Part-Time Employees 1
Branch Locations 11
ATM Locations 10
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.42%
Return on Assets (ROA)
0.4479%
Return on Equity (ROE)
2.7567%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
366,381,703
Total Amount of Shares and Deposits
305,243,445
Total Shares and Deposits < 1 Year
279,625,391
Total Shares and Deposits 1 3 Years
24,929,835
Total Shares and Deposits > 3 Years
688,219
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,861,218
Total Uninsured Shares and Deposits > $250K (F+J)
23,861,218
Total Insured Shares and Deposits > $250K (item 17 less item K)
281,382,227
Total Interest Expense (Sum of items 6 8)
3,071,498
Share Certificates
3,389
Number of Accounts for Share Drafts
17,404
IRA KEOGH Accounts
464
Number of Accounts for Regular Shares
32,234
All other shares
348
Non Member Deposits
1
Money Market Shares
683
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
44,122,883
Total Liabilities
310,266,055
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Sunbelt Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/sunbelt-federal-credit-union-rates-review-8905">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Sunbelt Federal Credit Union

How many branches does Sunbelt Federal Credit Union operate?

Sunbelt Federal Credit Union 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 Sunbelt Federal Credit Union?

Yes, to access services at Sunbelt Federal Credit Union, 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, Sunbelt Federal Credit Union 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, Sunbelt Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sunbelt Federal Credit Union offer online and mobile banking?

Most modern institutions like Sunbelt Federal Credit Union 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: https://www.sunbeltfcu.org.

Current Sunbelt Federal Credit Union Rates

  • 12-Month CD3.20%
  • 18-Month CD4.33%
  • 24-Month CD3.04%
  • 60-Month CD2.68%
  • Savings1.00%
Retrieved from our database of financial products. Rates subject to change.

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