Central Sunbelt Federal Credit Union

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A short history of Central Sunbelt FCU

Since its inception in 1953 the Central Sunbelt Federal Credit Union has been serving its members in the Laurel, Mississippi area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by W. Christopher Hammond, the Central Sunbelt FCU has grown its membership to over 34,904 with assets of more than $212,784,195. They have a main office and 9 branch offices. Please see the credit unions website or contact them by phone at or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Laurel, MS.

General Information For Central Sunbelt FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 8905
Address 1506 Congress St
City Laurel
State Mississippi
Zip-Code 39440
Phone Number
Fax Number
Email Address:
CEO/President W. Christopher Hammond
Members 34,904
Full-Time Employees 79
Part-Time Employees 0
Number of Branch Offices 9
Total Assets 212,784,195

Compare Central Sunbelt Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Ellisville State School Employees CU Ellisville State School 1101 Highway 11 S 39437 No 7.82
Pine Belt CU Leaf River 201 Main St 39462 No 26.44
Southern Mississippi CU Petal Branch 202 W Central Ave 39465 No 27.84
Forrest County Teachers CU Forrest County Teachers Federal Credit Union 611 Dumas Ave 39403 No 28.07

Central Sunbelt Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Central Sunbelt Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 14.58 6.18 5.91 5.60 6.49
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All alexandra-k.ru 509 501 433 335 390
Rank Among All Mississippi Credit Unions 21 44 19 16 14

Central Sunbelt Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.25 0.25 0.35 0.45 1.49
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All alexandra-k.ru 95 95 89 274 95
Rank Among All Mississippi Credit Unions 7 21 5 30 3
Central Sunbelt Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 14.5801,6053,621,019
All Other Unsecured Loans/Lines of Credit 13.2905,92118,536,011
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 6.1802425,066,555
Used Vehicle Loans 5.9103,26333,766,220
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.60025012,411,273
Total Other Real Estate Loans/Lines of Credit 6.49014339,017
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.0009346,347,505
TOTAL LOANS & LEASES 12,22980,087,600

Central Sunbelt Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
a. > 15 years 333,334,6374573,200
b. 15 Years or less 1868,234,21211434,660
a. > 15 years 0000
b. 15 Years or less 0000
Other Fixed Rate 16279,978245,780
Adjustable Rate 1 yr or less 15562,446618,996
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 10238,549135,000
Closed-End Adjustable Rate 4100,46800
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 26412,750,290241,107,636


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
b. Proprietary Reverse Mortgage Products 0000

Central Sunbelt Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes

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