Sunbelt Credit Union Biloxi MS | Affordable Auto Loans & Business Banking

Introduction

Welcome to Sunbelt, your trusted partner in financial well-being since 1953! Located at 400 Veterans Ave, Biloxi, MS 39531, we are proud to serve a vibrant community of over 36,343 members. With a solid foundation built on trust and transparency, we have grown our total assets to an impressive $305,582,911, ensuring that your financial needs are met with care and expertise. At Sunbelt, we believe in the power of community and strive to make a positive impact in the lives of our members. Whether you're looking for personal banking services like checking and savings accounts or need assistance with auto loans and mortgages, we offer a comprehensive range of services designed to meet your individual needs. Our total deposits stand at $31,277,455, reflecting the confidence our members place in us. Under the leadership of our CEO, W. Christopher Hammond, and Board President Robert Dearman, our dedicated team of 112 employees is here to support you every step of the way. We understand that navigating finances can be challenging, which is why we're committed to providing personalized guidance tailored just for you. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 1500 Congress Street, Laurel, MS 39440. If you have any questions or would like assistance with your account, feel free to reach out to us at 228-388-5040 during our lobby hours from 8:00 AM to 4:00 PM, Monday through Friday. Join us at Sunbelt where your financial future is bright! Visit us online at sunbeltfcu.org to learn more about our services or apply for a loan today! Together, let's build a stronger community!

Branch History & Mission

Community Commitment

In addition to offering essential banking products like checking accounts, auto loans, and mortgages, Sunbelt strives to be more than just a financial institution. We actively engage with local organizations and initiatives that promote education and financial literacy within Biloxi and surrounding areas. As technology evolves, so do we. Our digital offerings include mobile banking and online services aimed at making your experience smoother and more efficient. We're committed to ensuring accessibility for all members by maintaining ADA compliance across all platforms.

Join Us!

We invite you to become part of the Sunbelt family today! Experience firsthand how our dedicated team can assist you in achieving your financial goals while contributing positively to the community. Visit us at 400 Veterans Ave or give us a call at 228-388-5040 to learn more about what we can offer you. Together, let's build a brighter future!

Our Journey

From the very beginning, Sunbelt has focused on providing reliable financial services tailored to the unique needs of our members. What started as a small initiative has blossomed into a robust organization with a membership base of 36,343 individuals. As we expanded, so did our commitment to excellence. Today, we proudly manage total assets of $305,582,911, reflecting our members' trust and investment in their financial futures. Located at 400 Veterans Ave, Biloxi, MS 39531, our branch is easily accessible for all your banking needs. Whether you're stopping by for personal banking services or seeking assistance with auto loans and mortgages, we're here for you. For any official correspondence, please note that you can reach us at our mailing address: 1500 Congress Street, Laurel, MS 39440.

Our Mission

At Sunbelt, our mission is clear: to empower our members through exceptional financial services and support. We believe in fostering growth not just financially but also within the community. This commitment drives us to participate in various outreach programs that enhance the well-being of those around us. Our operating hours are designed with your convenience in mind open from 8:00 AM to 4:00 PM Monday through Friday ensuring that we are here when you need us most. Although we currently do not offer drive-thru services, we do provide an ATM for easy access to your funds.

Branch Location & Accessibility

Convenient Access and Features

Parking is hassle-free at our location, with ample space available for all our members. We take pride in ensuring that everyone can visit us comfortably; our branch is ADA compliant and features ramps for easy access. You'll find our lobby open Monday through Friday from 8:00 AM to 4:00 PM, allowing you plenty of time to drop by for your banking needs.

Services Tailored for You

At Sunbelt, we offer a wide range of services designed to make banking easier for you. Whether you're looking to open a checking or savings account, secure an auto loan, or explore mortgage options, we are here to help. Plus, if you prefer banking on-the-go, enjoy the convenience of our ATM services available right at the branch. While we don't have a drive-thru service currently, our friendly staff is always ready to assist you inside. If you have any questions or need assistance with anything from personal loans to credit cards with rewards, don't hesitate to reach out! You can easily give us a call at 228-388-5040.

Visit Us Today!

We invite you to come see what makes Sunbelt special. Our dedicated team is eager to assist you with all your financial needs. Stop by today or call us for more information we look forward to welcoming you!

Member Eligibility

Becoming a member of Sunbelt is like joining a caring family that truly values your financial well-being. If you live, work, or worship in the area around 400 Veterans Ave Biloxi Ms 39531, you're likely already eligible to join us! We welcome individuals from diverse backgrounds, and our goal is to support you with personalized financial solutions tailored just for you. To get started, simply visit our eligibility page at https://apps-sunbelt.ns3web.com/nsjoin/ , where you can find all the details about who can join and what you'll need. Once you're ready, opening an account is a breeze just head over to our account opening page here: http://www.sunbeltfcu.org/get-financing/apply-for-a-loan . Should you have any questions or need assistance, feel free to reach out to us at (228) 388-5040. Join us today and experience the benefits of being part of the Sunbelt community!

Business Banking & Commercial Services

Financing Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. We know that securing funding can be challenging. That's why we offer personalized guidance to help you navigate your options and choose the best loan for your specific situation.

Merchant Services That Make Sense

In addition to loans, we provide practical merchant services designed to simplify transactions and improve cash flow. Imagine being able to process payments quickly and efficiently whether you're at a bustling market or running an online store. Our services make it easy for you to focus on what you do best: running your business. If you're ready to take your business to the next level, reach out to us at 400 Veterans Ave Biloxi Ms 39531 in Biloxi, MS or call us at (228) 388-5040. Let's work together to turn your vision into reality!

Comprehensive List Of Services

ATM Services

Need cash? We have you covered with our convenient ATM services, allowing for easy cash withdrawals and balance checks whenever you need them. With multiple ATMs available, getting access to your funds has never been easier. At Sunbelt, we pride ourselves on being more than just a credit union; we are part of the community. Visit us at 400 Veterans Ave Biloxi Ms 39531 or give us a call at (228) 388-5040 during our lobby hours from 8:00 AM to 4:00 PM Monday through Friday. Discover how we can assist you in achieving your financial goals today! For more information about our services or to become a member, check out our website at Biloxi.

Business Banking

If you're a business owner, our business banking services, including merchant services and business loans, can support your entrepreneurial journey. We understand that every dollar counts in running a business, which is why we're here to help you thrive.

Loans and Credit Options

For those looking to consolidate debt or take out a personal loan, we provide various options tailored to fit different financial situations. Our credit cards with rewards not only allow you to make purchases but also earn points for future rewards perfect for those who love to travel or shop.

Online and Mobile Banking

In today's fast-paced world, having access to your finances anytime is essential. That's why at Sunbelt, we offer robust online and mobile banking features. You can manage your accounts from anywhere using our user-friendly mobile application or through online banking. This includes making payments, checking balances, and even transferring money between accounts all at your fingertips.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to help you manage your money effectively. Our accounts come with features that make everyday banking easy and accessible, so you can focus on what matters most. If you're planning to buy a new car or need funds for another purpose, our auto loans and vehicle financing options provide competitive rates and flexible terms. Plus, if home ownership is on your mind, explore our mortgage loans and refinancing solutions that can help you secure your dream home.

Digital & Online Banking

Easy Payments and Transfers

Make payments effortlessly with our mobile payments feature. Whether it's paying bills or sending money to friends through person-to-person transfers, we've got you covered. And don't worry about security; we prioritize keeping your information safe while providing these convenient options. At Sunbelt, we believe that banking should be easy and accessible for everyone. With features like e-statements, mobile payments, and real-time account management, we're here to support your financial journey every step of the way. Join us today and experience how simple banking can be!

Explore Our Services

You can start exploring our online banking features by visiting https://www.sunbeltfcu.org/ . Here, you'll find everything you need to keep track of your accounts. From checking balances to transferring funds, our platform is user-friendly and secure. You can even authorize electronic signatures for added convenience when handling important documents.

Stay Connected Anytime

With our 24/7 online banking services, your money is always within reach. Need to check your e-statements? No problem! You can access them anytime, ensuring you stay updated on your account activities without waiting for paper statements to arrive in the mail. Plus, if you're always on the move, our mobile application allows you to bank right from your phone.

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 55,701, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $92,538, further illustrating the strength of our financial position. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sunbelt is your trusted partner. Visit us at 400 Veterans Ave Biloxi Ms 39531 or call (228) 388-5040 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

Members' savings are secured through $78,515,408 in share certificates and $12,752,154 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 111 full-time employees and 1 part-time employees who are always ready to assist you with a knowledgeable and committed team.

Reinvesting for Your Benefit

With $52,819,102 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $5,011 in used auto loans and $179,220,560 in total loans and leases.

Strong Financial Health

With a net worth of $54,609,408, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,779 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $95,652,797 in used vehicle loans and $11,340,399 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is ready to assist you every step of the way.

Business Loans

For business owners looking to expand their operations, our outstanding commercial loans provide the capital needed for growth. While currently there are no outstanding commercial loans available through Sunbelt at this time, we encourage entrepreneurs to explore future opportunities with us. At Sunbelt in Biloxi, MS (400 Veterans Ave), our dedicated staff is eager to help you choose the best loan product for your needs. You can reach us at (228) 388-5040 for more information or visit our website here for details on eligibility and how to apply. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,799,689, make buying or refinancing simple. We provide various mortgage plans tailored to fit your budget and financial situation. If you're looking for refinancing options or want to know if you qualify for one of our mortgage products, just ask us!

Unsecured Credit Card Loans

Managing everyday expenses is easier with our credit card offerings. We also offer flexible terms on unsecured credit card loans, with a total of $3,162,521 in loans helping members manage their finances effectively. This allows you to enjoy the convenience of cashless transactions while keeping your budget in check.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh stands out as a trusted tool for borrowers. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This information is based on the latest results (Source: https://www.ncua.gov ), which guarantees that users receive fair and transparent offers tailored to their needs. One of the key benefits of using LendMesh is its Verified Data feature. Loan offers come from legitimate financial institutions, ensuring that users are presented with credible options. Moreover, LendMesh prides itself on having No Sponsored Listings; lenders are not prioritized based on paid promotions. Instead, the focus is solely on providing unbiased results. Additionally, LendMesh offers Real-Time Rate Comparisons, allowing users to access up-to-date loan rates from multiple institutions. This helps borrowers make informed decisions without the guesswork often associated with comparing loans. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly the platform is in assisting individuals to secure better loan rates. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

SUNBELT FEDERAL CREDIT UNION