15-Year Mortgage Sinking Spring, PA

When you are ready to take advantage of competitive rates and terms on 15-year mortgages, visit Bellco Federal Credit Union in Sinking Spring, PA to learn about your options.

Originally known as the Bell Telephone Credit Union, Bellco FCU, a member-owned, not-for-profit federal credit union, opened its doors in 1938 and continues to provide unique financial products and services to individuals and small businesses in Berks County.

In comparison to traditional banks, Bellco FCU is able to offer lower rates on loans and credit cards, higher rates on savings, and fewer fees for checking accounts and other convenient services.

Advantages of a 15-Year Home Mortgage

The main difference between 15 and 30-year mortgages is that 15-year mortgages require higher monthly payments, but will cost you less in interest over the loan term, while 30-year mortgages have lower monthly payments, but will cost you significantly more interest over the life of the loan. 

If your budget will permit you to make a larger monthly payment, the 15-year fixed-rate mortgage provides several advantages:

  • It builds equity faster

  • You will pay less mortgage interest

  • You may qualify for a lower interest rate

  • You can own your home in half the time

Take advantage of free preapproval from Bellco FCU during which our loan officers will help you explore all available options. We will evaluate your creditworthiness based on your past credit use, debts, assets, and your current income. Then we’ll calculate how much you can afford to borrow and guide you through the process.

If a 15-year mortgage is not the right fit for you, our locally-knowledgeable loan advisors can help you find a mortgage that will fit your budget.

Not Yet a Member of Bellco FCU?

You are eligible to join Bellco FCU if:

  • You live, work, worship, or attend school in Berks County, PA

  • You are in the immediate family (spouse, parents, children, siblings, grandparents) of a Bellco FCU member, no matter where you live

Open a Member Savings account with as little as $5, and establish your membership in a few simple steps. This is not a fee; it is a share in the credit union and provides you with voting rights and a say in any decisions we make. 

Once you become a member of Bellco FCU, your spouse, children, siblings and parents will also be eligible to join and take advantage of our competitive rates for mortgages, personal loans, credit cards, and the many other services we offer. 

Even if you decide to leave your current employer, retire, or move away, you can remain a Bellco FCU member for life. You will have access to your accounts from anywhere by mail, phone, fax, online, and at thousands of ATMs across the nation.

Bellco FCU is one of the top credit unions in Sinking Spring, PA. If you are looking for 15-year mortgages or other types of mortgages, we can help!