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Credit unions like Bellco FCU in Sinking Spring and Wyomissing, PA, issue the same Visa cards as for-profit banks and financial institutions. However, our credit cards come with a number of protections and benefits you won’t find elsewhere.

Originally known as the Bell Telephone Credit Union, Bellco FCU opened its doors in 1938 and continues to provide unique financial products and services to individuals and small businesses in Berks County. We are a member-owned, not-for-profit federal credit union that caters exclusively to you and your needs and offers a variety of affordable financial services.



Friendly Credit Card Terms

If you prefer low rates and fees to racking up reward points, Bellco’s Platinum Preferred Visa® may be a good choice. On the other hand, our Platinum Preferred with Extra Rewards Visa® awards you with one point for every dollar you spend on purchases! Go online at any time to easily manage and redeem your points for a variety of gift cards, for trip expenses, or airfare.

Both of these Bellco FCU credit cards feature:

  • No annual fee
  • Competitive rates
  • Online banking capabilities; make payments and track transactions 24/7
  • Zero Liability Insurance for loss, theft or unauthorized use
  • Auto Rental Collision Damage Waiver
  • Easily replaced if lost or stolen
  • Available with Bellco Loan Protection
  • Verify by Visa

We also offer credit cards designed to help students and young people who are 18 and older establish a credit history. These cards must be secured with share savings or a qualified parent/legal guardian, and the rate is dependent on the student's credit score. There is no annual fee; credit limits start at $250; and you’ll be able to choose between a Rewards or Non-Rewards card.

Why Join a Credit Union?

Credit unions like Bellco FCU are sometimes confused with banks because we provide financial services. The main difference is that for-profit banks are in business to make a profit for their shareholders.

Credit unions are not-for-profit institutions that are owned and operated by their members. Earnings generated during the year are not paid to outside shareholders. Instead, they are returned to members in the form of greater access to free or discounted services, higher savings rates and lower loan rates compared to most for-profit financial institutions.

When you join a credit union like Bellco FCU, you become a partial owner and have a say in any decisions we make. We value our member-owners and want to help you get the most out of your relationship with us.

How to Become a Member

Bellco FCU offers membership to people who live, work, worship, or attend school in Berks County, including immediate family members, such as your spouse, children, siblings and parents.

By opening a primary Member Savings account with as little as $5 and following a few simple steps, you can become a member. And, once you join Bellco FCU, you may remain a member for the rest of your life, even if you change jobs, retire, or move away from Berks County.

Bellco FCU has the credit cards you’re looking for, with and without rewards. Visit us in Sinking Spring or Wyomissing, PA to find out how easy it is to open an account, and let us help you meet your financial needs!