Sunbelt Credit Union Laurel MS | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Sunbelt, your trusted financial partner located at 1506 Congress St, Laurel, MS 39440. Since our establishment in 1953, we have been dedicated to serving our community with a personal touch and a commitment to member satisfaction. With over 36,000 members and total assets of $305,582,911, we pride ourselves on being a cornerstone of financial support in the area. At Sunbelt, we understand that every member has unique financial needs. That's why we offer a wide range of services, from checking and savings accounts to auto loans and mortgages. Our total deposits stand at an impressive $31,277,455, reflecting the trust our members place in us. Plus, with cash in hand amounting to $12,295,967, we're well-equipped to assist you in reaching your financial goals. Led by our CEO, W. Christopher Hammond, and Board President, Robert Dearman, our team is here to provide personalized service that makes banking easy and accessible. Whether you're visiting us in person or using our convenient online services including mobile payments and online banking our goal is to ensure you feel valued and supported. While members can visit us at 1506 Congress St, official correspondence should be sent to the same address for clarity. If you have any questions or need assistance, don't hesitate to reach out at (601) 649-7181. Join us today at Sunbelt where community meets convenience and let us help you take control of your financial future! Visit our website at sunbeltfcu.org for more information or to get started with your account.

Branch History & Mission

Welcome to Sunbelt, a cornerstone of financial support in Laurel, MS, where we have proudly served our community since 1953. Over the years, we have grown from humble beginnings into a thriving credit union with a total membership of over 36,000. Our branch is located at 1506 Congress St, Laurel, MS 39440, conveniently situated near local landmarks that make it easy for members to access our services. At Sunbelt, our mission is clear: to provide exceptional financial services while fostering a supportive environment for our members and the wider community. We believe in empowering individuals and families by offering personalized banking solutions tailored to meet their needs. From checking and savings accounts to auto loans and mortgages, we strive to help our members achieve their financial goals. Since opening our doors, we've seen significant growth in both assets and services. Today, our total assets stand at an impressive $305,582,911. This achievement reflects not only our commitment to responsible financial management but also our dedication to enhancing the lives of those we serve. Our operating hours are designed with your convenience in mind: Monday through Thursday from 8:30 AM to 4:30 PM, and Friday from 8:30 AM to 5:30 PM. Whether you prefer in-person assistance or digital banking options like online banking and mobile payments, Sunbelt ensures that you have the flexibility needed to manage your finances effectively. We are proud of our ATM availability and drive-thru banking service that simplify transactions for our members. Additionally, we offer shared service center access, making it easier than ever for everyone in the community to enjoy the benefits of credit union membership. Community engagement is at the heart of what we do. We participate actively in local events and initiatives aimed at uplifting those around us. Our partnerships with various organizations enable us to contribute meaningfully while reinforcing our commitment to community development. As we look toward the future, we invite you to join us on this journey. Experience the personal touch and comprehensive services that define Sunbelt. Together, we can build a brighter financial future for all. For more information about becoming a member or exploring our offerings further, please visit Sunbelt's website or call us at 601-649-7181. Let's work together towards your financial success!

Branch Location & Accessibility

Banking Services at Your Fingertips

We offer a range of banking services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, Sunbelt has you covered. If you prefer self-service, you'll appreciate our ATM availability and drive-thru banking options for quick deposits and withdrawals. In addition, our shared service center means that even if you're a member of another partnering credit union, you can still access basic transactions right here at our branch. If you have questions or need assistance, feel free to give us a call at 601-649-7181. Our friendly staff is ready to assist you with whatever you may need. Whether you're visiting us for the first time or you're one of our long-time members, we invite you to come in and experience the Sunbelt difference today!

Convenient Access and Amenities

At Sunbelt, we prioritize your comfort and accessibility. Our branch features ADA-compliant facilities, ensuring that everyone can visit us without any hassle. Ample parking is available right outside our doors, so you won't have to worry about finding a space when you stop by. Our operating hours are designed with your busy schedule in mind. We're open Monday through Thursday from 8:30 AM to 4:30 PM and on Fridays until 5:30 PM. Whether you're looking to open a new account or simply need assistance with your existing services, our team is here to help during those hours.

Member Eligibility

At Sunbelt, we believe that everyone deserves access to a supportive financial community. Joining us is simple and welcoming! To become a member, you need to meet certain eligibility criteria, which primarily include living, working, or worshiping in our local area, as well as being related to a current member or an employee of the credit union. It's all about creating connections and supporting one another. You can find more details about what qualifies someone for membership by checking out our eligibility page. Once you see that you're eligible, opening an account with us is an easy process! We're here to guide you every step of the way. Whether you're interested in a savings account or need financing options like auto loans, we're dedicated to serving your needs. For any questions or assistance, feel free to give us a call at (601) 649-7181. We can't wait to welcome you into the Sunbelt family at 1506 Congress St Laurel Ms 39440!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. Imagine using this funding to seize opportunities that could elevate your business. Our loan options are tailored to fit various needs, ensuring that you have access to capital when it matters most.

Merchant Services

In today's fast-paced market, having reliable payment processing is crucial. That's where our merchant services come in. Picture a bustling café where customers can pay easily with their cards or mobile wallets. With our solutions, businesses can streamline transactions, improve customer satisfaction, and ultimately boost sales. If you're ready to take your business to the next level, visit us at 1506 Congress St Laurel Ms 39440 in Laurel, MS or call us at (601) 649-7181 to learn more about how we can assist you on your journey toward success!

Comprehensive List Of Services

Business Banking

If you're a business owner, we understand how crucial it is to have reliable banking solutions. That's why we offer business banking services including merchant services and business loans to help fuel your enterprise's growth.

Community Connection

With a commitment to community service, we also engage in local initiatives that uplift our members and neighbors alike. We believe in building strong connections not just through financial services but also by being there for each other as a community. At Sunbelt, we are here to help you navigate your financial journey with ease and confidence. If you want to learn more about any of these services or need assistance with your financial goals, don't hesitate to reach out to us at (601) 649-7181 or visit us online at Congress St.. We look forward to serving you!

Credit Cards

With our credit cards that come with rewards, you can earn points for every purchase you make. It's not just about spending; it's about making your spending work for you!

Digital Convenience

In today's fast-paced world, convenience matters. At Sunbelt, we offer robust online and mobile banking features that let you bank anytime, anywhere. Need cash? Our ATM services are readily available for easy withdrawals and balance checks. Plus, our drive-thru service allows for quick transactions without leaving your car perfect for those busy days!

Loans and Financing

For those considering a new vehicle or perhaps refinancing an existing loan, Sunbelt offers competitive auto loans and vehicle financing options tailored to fit your budget. Our mortgage loans and refinancing services make homeownership more attainable. If you have personal expenses or debt consolidation in mind, our personal loans can provide the relief you need without the hassle.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services cater to all your everyday needs. Imagine being able to manage your funds effortlessly with features like online and mobile banking. With just a few taps on your smartphone, you can check balances, transfer money, and even set up automatic payments.

Shared Branching Services

We also support basic shared branch transactions for partner credit union members, allowing deposits and withdrawals at numerous locations across the country. This means greater flexibility for all our members when accessing their funds.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services, you can easily check your account balance, transfer funds, and pay bills without needing to visit a branch. Just head over to https://www.sunbeltfcu.org/ to get started. Our user-friendly interface makes navigation a breeze, ensuring that even those new to online banking will feel right at home.

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available, you can receive your account statements electronically. This not only helps the environment but also gives you quick access to your financial records whenever you need them.

Mobile Banking on the Go

Don't let your busy schedule hold you back. With our mobile application, available for download on all major platforms, managing your finances has never been easier. You can make mobile payments, set up person-to-person transfers, and even deposit checks right from your smartphone.

Secure Transactions Made Easy

Security is paramount at Sunbelt. We utilize advanced encryption technology to protect your information, so you can bank with peace of mind. Plus, our electronic signature authorization feature means you can complete important transactions quickly and securely from the comfort of your own home.

Simplifying Your Banking Experience

At Sunbelt, we strive to make banking simple and accessible for everyone. Whether you're looking to pay a friend or manage multiple accounts, our digital tools are designed with you in mind. Join us today and experience the ease of online banking tailored just for you!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 55,701, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $92,538. 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 1506 Congress St Laurel Ms 39440 or call (601) 649-7181 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

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 commitment to lending is clear with $5,011 in used auto loans and $179,220,560 in total loans and leases, supporting members' financial goals across various sectors.

Member-Focused 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 $0 reflects our operational efficiency, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

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 considering a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Lines

If you're looking for more flexibility in your finances, consider our credit lines totaling $34,330,000. This option gives you access to funds whenever you need them without the hassle of applying for multiple loans. Our lending process is straightforward and designed with your convenience in mind. Plus, if you're interested in refinancing any existing loans or want to learn more about eligibility options, feel free to reach out! For more information on our loan offerings or to discuss which option might be best for you, please contact us at (601) 649-7181, visit us at 1506 Congress St Laurel Ms 39440, or check out our website at https://www.sunbeltfcu.org/ . Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving 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 are committed to helping you find a mortgage that fits your needs, whether you're a first-time buyer or looking to refinance your current home.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. 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. These cards can provide you with purchasing power and rewards while maintaining control over your spending.

Loan Aggregator

Benefits of Using LendMesh

When you use LendMesh, you benefit from: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" 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.

Ensuring Accurate Comparisons

LendMesh takes pride in its commitment to transparency and accuracy. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers presented are fair and reliable.

SUNBELT FEDERAL CREDIT UNION