15-Year Mortgage Kutztown, PA

With a 15-year mortgage, you could pay off your Kutztown, PA home in just half the time it would take with a 30-year mortgage. If you are not already a member, join Bellco Federal Credit Union today and enjoy competitively low rates, flexible terms, and the kind of efficient, friendly service only your credit union can provide.

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.

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 you will pay less interest over the loan term, while 30-year mortgages have lower monthly payments, but you will pay significantly more interest over the life of the loan. 

If your budget allows for a larger monthly payment, the 15-year fixed-rate mortgage has 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.

How to Join Bellco FCU

When you join a credit union like Bellco FCU, you become a partial owner and have a say in any decisions we make. Open a Member Savings account with as little as $5, and establish your membership in just a few steps. This is not a fee; it is a share in the credit union and provides you with voting rights. 

Once you become a member of Bellco FCU, your spouse, children, siblings, and parents 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. 

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

When you are looking for an affordable 15-year home mortgage in Kutztown, PA, apply today at Bellco FCU. We pride ourselves on putting your needs first.