Rates, Fees & Calculators




Consumer Loan Rates

Effective as of: December 1, 2014

Account Type Term % Financed APR*
New Autos Up to 36 mos. 100% 1.90% - 11.40%
37 - 48 mos. 100% 1.90% - 11.65%
49 - 60 mos. 100% 2.90% - 11.90%
61 - 66 mos. 100% 3.50% - 13.40%
67 - 72 mos. 100% 3.75% - 13.65%
Used Autos Up to 36 mos. Up to 125% of Clean Trade* 2.75% - 12.25%
37 - 48 mos. Up to 125% of Clean Trade* 3.25% - 12.50%
49 - 60 mos. Up to 125% of Clean Trade* 3.75% - 12.75%
61 - 66 mos. Up to 125% of Clean Trade* 4.00% - 14.25%
67 - 72 mos. Up to 125% of Clean Trade* 4.25% - 14.50%
New & Used Motorcycles Up to 36 mos. 100% for New & Up to 100% of Clean Trade for Used 3.50% - 12.50%
37 - 48 mos. 100% for New & Up to 100% of Clean Trade for Used 3.75% - 12.75%
49 - 60 mos. 100% for New & Up to 100% of Clean Trade for Used 4.00% - 13.00%
61 - 66 mos. 100% for New & Up to 100% of Clean Trade for Used 4.25% - 14.75%
New & Used Motor Homes Up to 66 mos. 100% for New & Up to 125% of Clean Trade for Used 4.00% - 14.25%
61 - 72 mos. 100% for New & Up to 125% of Clean Trade for Used 4.25% - 14.50%
New & Used ATV's, Golf Carts, & UTV's (mules) Up to 36 mos. 100% for New & Up to 100% of Retail for Used 4.50% - 13.50%
37 - 48 mos. 100% for New & Up to 100% of Retail for Used 4.75% - 13.75%
49 - 60 mos. 100% for New & Up to 100% of Retail for Used 5.00% - 14.00%
61 - 66 mos. 100% for New & Up to 100% of Retail for Used 5.25% - 15.75%
New & Used Boat, Motor & Trailer Up to 72 mos. 90% for New & Up to 90% of Retail for Used 5.00% - 14.00%
New Jet Ski Up to 30 mos. 90% 5.00% - 14.00%
New & Used Travel Trailer Up to 60 mos. 90% for New & Up to 90% of Retail for Used 5.00% - 14.00%
61 - 72 mos. 90% for New & Up to 90% of Retail for Used 5.50% - 14.50%
New & Used Camper Trailer Up to 36 mos. 90% for New & Up to 90% of Retail for Used 6.00% - 15.00%
37 - 48 mos. 90% for New & Up to 90% of Retail for Used 6.50% - 15.50%
New Furniture & Appliances Up to 36 mos. Purchase Price 8.25% - 17.25%
New & Used Farm Equipment Up to 36 mos. 100% for New & 100% of Clean Trade for Used 3.25% - 12.25%
37 - 48 mos. 100% for New & 100% of Clean Trade for Used 3.50% - 12.50%
49 - 60 mos. 100% for New & 100% of Clean Trade for Used 3.75% - 12.75%
61 - 66 mos. 100% for New & 100% of Clean Trade for Used 4.00% - 14.25%
67 - 72 mos. 100% for New & 100% of Clean Trade for Used 4.25% - 14.50%
New Lawn Mowers & Garden Equipment Up to 36 mos. 90% 6.00% - 15.00%
37 - 48 mos. 90% 7.00% - 16.00%
Overdraft Protection $500 0.00%, $2.00 fee per access
Signature / Closed End Up to 60 mos. 8.75% - 17.41%
VISA Credit Card 2.50% of Outstanding Balance 8.75% - 17.41%
Share Secured Up to 60 mos. 4.00%
Share Certificate Secured Up to 60 mos. 1.90% added to the current certificate rate
 
 
*APR - Annual Percentage Rate. Rates are subject to change. Please call for current rate information.
 

Share Rates

Effective as of: December 1, 2014

 
Account Type Minimum Balance Compound Frequency APY* Rate
Regular Share $5.00, $100 average daily balance to earn dividends Monthly 0.25% 0.25%
Sunny Kids Club $5.00 to maintain share Monthly 0.25% 0.25%
Holiday Club None Monthly 0.25% 0.25%
Special Shares None Monthly 0.25% 0.25%
Checking / Rising Sun Checking none, $100 average daily balance to earn dividends Monthly 0.25% 0.25%
Money Investment $1,000 Weekly 0.35% 0.35%
Traditional IRA None Monthly 1.50% 1.49%
Roth IRA None Monthly 1.50% 1.49%
 
 
Account Type Minimum Balance Min Average Balance Compound Frequency APY* Rate
Regular Checking None $100 Monthly 0.25% 0.25%
Rising Sun Checking None $100 Monthly 0.25% 0.25% 
Advantage Checking¹ ² None $100 Monthly    
$100 - $20,000 Monthly 3.00% 2.96%
Over $20,000 Monthly 0.50% 0.50%
Non-Qualifying* $100 Monthly 0.25% 0.25%
         
1. Qualifying accounts require 10 signature MasterCard debit card purchases each month with an aggregate total of at least $100.00(transactions must post by close of business on last day of month), one ACH deposit each month, must receive Cloud Documents (valid email address required), and must not be subject to backup withholding (tax that is levied on investment income). Accounts with backup withholding will be converted to our regular checking account. Qualifying accounts also receive ATM fee refunds up to $25.00 each month. For any month in which these requirements are not satisfied, the non-qualifying dividend rate will apply and no ATM fee refunds will be paid.
2. Advantage Checking accounts must be natural person accounts (i.e. no business, DBA, or Trust accounts will be allowed in the program).

*APY = Annual Percentage Yield.
 
*APY - Annual Percentage Yield
 
Rates are subject to change. Please call for current rate information.
 

Share Certificate Rates

Effective as of: December 1, 2014

 
Account Type Minimum Balance Compound Frequency APY* Rate
06 Months $500.00 Monthly 0.25% 0.25%
12 Months $500.00 Monthly 0.35% 0.35%
24 Months $500.00 Monthly 0.65% 0.65%
36 Months $500.00 Monthly 0.80% 0.80%
48 Months $500.00 Monthly 1.05% 1.05%
60 Months $500.00 Monthly 1.20% 1.20%
 
*APY - Annual Percentage Yield
 
Rates are subject to change. Please call for current rate information.
 

Fee Schedule

Effective as of: December 1, 2014

Account Fee
Account History Printout
$2.00 per page
Account Research/Balancing
$15.00 per hour

Account Statement
(printed replacement copy)

$5.00 per copy
Address Change Fee
FREE

Address Change by USPS notification/Insufficient Address Fee

$10.00 per account
ATM Transactions Only applicable to transactions outside our network of over 40,000 free ATMs:
Out of network ATM Inquiry
$1.00 each
Out of network ATM Transfer
$1.00 each
Out of network ATM Withdrawal
$1.00 each
ATM/Debit Lost Card Replacement
$10.00 each
Carfax (fee waived with loan approval)
$25.00 each
Sunny's Bill Pay (bill payer service)
(fee waived with 2 or more bills paid)
$6.00 per month
Sunny's Bill Pay Pay Research
(free self service on line)
$30.00 per payment
Check Cashing
(If Savings only [Regular, Special, Holiday Club]
with an aggregate total of $300 or less)
$2.00 per check
Check Copy (available online at no charge)
$3.00 per check
Holiday Club Early Withdrawal
$25.00 per withdrawal
Closed Membership
(account closed within 3 months)
$5.00 per account
Check Orders
varies on style ordered
Deposited Checks/ Loan Payments Returned
$25.00 per item
Excessive Share/Savings Withdrawal-Over the Counter (when combined teller withdrawals from a Regular or Special Share account exceed two per calendar month)
$2.00 each
Excessive Share/Savings Withdrawal-ACH (when combined ACH withdrawals from the Regular Share Account exceed two per calendar month)
$25.00 each
Excessive Reg D Transfers/Withdrawals (when transfers or withdrawals from share/saving accounts exceed 6 per month [excludes in-person transactions, ATM withdrawals and CSFCU loan payment transfers])
$2.00 each
Starter checks (3 pages) Quantity 12 $3.00
Coin Machine Ticket Reimbursement (Fee applies to non-members only) 10% of total
Negative Balance Fee (fee charged per day on accounts negative 15 consecutive days) $2.00 per day
 
Account Fee
Gift Card
$3.00 per item
Inactive Account
(no activity on entire account for one year,
other than the posting of dividends)
$5.00 per month
IRA Early Withdrawal
$25.00 each withdrawal
IRA maintenance fee
$10.00 (annual)
Legal Process Fee
(IRS Levy, Garnishment, Subpoena, or other like items)
minimum $50.00 per item
Loan Processing Fee
(applied to secured loans at loan closing [excludes share secured] includes title fee)
$35.00 per loan
Payment by Phone Requests
(ACH, Debit or Credit Card payments)
$5.00 per payment
Loan Overdraft
$2.00 per transfer
Member Service-Self Service Requests
$2.00 each
Merchant Check Processing/
Certified Funds Fee
$30.00 per check
Money Order
$1.50 each
NSF
$25.00 per item
Official Check (not made payable to requesting member)
$5.00 per item
Overdraft Privilege (overdrafts created by drafts, checks, or Reg E items)
$25.00 per item
Share Overdraft Transfer
$5.00 per transfer
Rejoin Fee
1-12 months after closing
$25.00
After 1 year
$5.00
Replacement Check (non-merchant)
$5.00 per check
Safe Deposit Box (Annual)
varies depending on box size
Share Draft Account Number Change
$20.00
Stop Payment Fee
 
Employee Handled
$35.00 per item
Cloud Banking Self Service
FREE
Unclaimed Property Processing
$25.00 per instance
Verification of Account
$10.00 minimum
Wire Transfer
Outgoing
$20.00 each
Incoming
$10.00 each
International
No longer offered by credit union

Transaction Limits

When it comes to transactions, all accounts are not created equal. There are "transaction accounts," such as share draft checking accounts, that offer unlimited transactions in virtually any form. Then there are "non-transaction accounts" that are intended to foster fewer transactions. Federal law limits the transactions that can be made on share savings and money market accounts, which fall into this category.

What are the limits?
Federal Regulation D states that you may make no more than six (6) automatic or preauthorized transfers from your share savings or money market account per calendar month or statement cycle. (The monthly limit is based on when the transaction is processed, not when the check or item was written or authorized.) If you make a combination of checks/drafts and automatic or preauthorized withdrawals, the total limit is still six.

 Transaction Limits by Month Checking Savings Money Market
Deposits
      In Person unlimited unlimited unlimited
      By Transfer (i.e., direct deposit of payroll or Social Security) unlimited unlimited unlimited
      By Mail unlimited unlimited unlimited
Transfers Between Accounts at the CSFCU
      In Person (or by messenger) unlimited unlimited unlimited
      At an ATM unlimited unlimited unlimited
      By Mail unlimited unlimited unlimited
      Pre-Authorized or Automatic Withdrawals unlimited six six
      By Pre-Authorized Transfer to pay a CSFCU Loan (incl. Visa, Mortgage, or Credit Union fees) unlimited unlimited unlimited
      Through the Internet (CU AnyHour+) unlimited six six
      By Automated Phone System (TeleAction) unlimited six six (6)
      By Phone Contact to a Telephone Representative unlimited six six
Transfers to Third Parties
      By Check or Share Draft unlimited n/a six
      By Debit Card/Check Card unlimited six six
      By Automated Phone System (TeleAction) unlimited six six
      By Phone Contact to a Telephone Representative unlimited six six
      By Pre-Authorized Transfer (ACH) or Automatic Transfer unlimited six n/a
      Using Bill Pay unlimited six six
      By Fax unlimited six six
Withdrawals
      In Person unlimited unlimited unlimited
      At an ATM unlimited unlimited unlimited
      Through the Internet (CU AnyHour+) with the check or share draft made payable to the member and mailed to his or her address. unlimited unlimited unlimited
      By fax with the check or share draft made payable to the member and mailed to his/her address. unlimited unlimited unlimited
      By telephone with the check or share draft made payable to the member and mailed to his/her address unlimited unlimited unlimited
  Check Rates Check Rates Check Rates

*The Credit Union may require a member to give at least 7 days' notice before funds can be withdrawn - transaction restrictions as imposed by Regulation D. Although in person withdrawals are unlimited you may incur a fee.

   
           
 
 
Phone Number: (601) 649-7181          Toll Free: (855) 786-2228          Sunny By Phone: Option 1          Lost or Stolen Debit Card: (601) 649-7181
 
This credit union is federally insured by the National Credit Union Administration.
     
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Central Sunbelt FCU 1506 Congress Street Laurel, MS 39440 Phone: 601-649-7181  |  
Central Sunbelt FCU 734 Sawmill Road Laurel, MS 39440 Phone: 601-425-9442
Central Sunbelt FCU 112 South Westover Dr Hattiesburg, MS 39402 Phone: 601-264-9400  |  
Central Sunbelt FCU 1857 Lincoln Road Hattiesburg, MS 39402 Phone: 601-261-0719
Central Sunbelt FCU 1417 Aston Avenue McComb, MS 39648 Phone: 601-684-6278