Apply for a Mortgage Berks County, PA

Whether you’re ready to purchase your first home or want to upsize, downsize or refinance, apply for a mortgage with Bellco FCU in Berks County, PA, to enjoy competitive rates, flexible terms and superb service.

Bellco FCU is a member-owned, not-for-profit federal credit union. Since 1938, when we were known as the Bell Telephone Credit Union, we have provided unique financial products and services to individuals and small businesses in Berks County. 

As a member of Bellco FCU, you are a part of a not-for-profit organization that values people over profits. The profits we earn are returned to members in the form of benefits and services. As a result, our members enjoy greater access to free or discounted services, higher savings rates and lower loan rates compared to most for-profit banks and financial institutions.

How to Get Started

Membership in Bellco FCU is open to people who live, work, worship, or attend school in Berks County, PA. Simply open a Member Savings account with as little as $5 and set up your membership in a few simple steps.

Once you are a member, your immediate family members will be eligible to join too and take advantage of competitive rates for mortgages, personal loans, credit cards, and the many other services we offer. 

A Variety of Mortgage Options

Compare mortgage options from Bellco FCU and discover the best home loan to meet your needs:

  • Fixed Rate: A fixed-rate mortgage has a fixed interest rate for the entire term of the loan, typically 15 or 30 years. Since the interest rate is locked in, your payment will be the same every month. A fixed rate mortgage is an excellent choice if you plan to live in your home for many years and want the security of a monthly principal and interest payment that won’t change.

  • Adjustable Rate (ARM): ARMs can provide savings for borrowers through lower rates and lower monthly payments. These mortgages have an introductory interest rate that lasts for a specified time period and then adjusts up or down every year for the remaining time period.

  • FHA: An FHA mortgage is a government-backed mortgage with less stringent down payment and credit requirements than those of conventional home loans.  The initial costs can be significantly lower than other mortgage options.

  • VA: VA home mortgages are backed by the U.S. Department of Veterans Affairs to help eligible veterans, reservists, active-duty service members, and some surviving spouses purchase a primary residence by offering excellent mortgage terms that most conventional and FHA mortgages cannot match.

  • USDA: USDA Rural Housing loans are backed by the US Department of Agriculture and, when borrowers meet the income requirements, can be a great home financing option, with lower rates than conventional mortgages and other government-backed mortgages, such as FHA and VA home loans.

When you are looking for an affordable home mortgage in Berks County, PA, apply today at Bellco FCU. We pride ourselves on putting your needs first.