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If you are itching to start shopping for a home, find out about 30 year mortgages and other excellent home mortgage solutions from Bellco FCU in Reading, PA.

Bellco FCU is a member-owned, not-for-profit federal credit union. We are not in business to maximize profits for shareholders and, instead, utilize earnings from interest on loans and credit cards to provide members with better rates and fewer fees on mortgage and construction loans, personal loans, checking accounts and other convenient services.

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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.

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

Even if you leave your current employer, retire, or move away, 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.

About 30 Year Mortgages

The most frequently applied for mortgage is the traditional 30 year home loan. And, there are a number of reasons why this is so.

The 30-year fixed rate loan may allow you to lock in a low interest rate. If you plan to stay in your home for many years and would prefer to make a consistent principal and interest payment every month, it may be an excellent choice.

Locking in a low interest rate will enable you to pay the same rate throughout the 30-year term. This can be a big advantage if you anticipate that interest rates will go up in the future. If they should trend downward, however, you may be able to refinance your loan later at a lower rate.

No matter what your situation, Bellco FCU's locally-knowledgeable loan advisors are here to help you establish the affordable home mortgage loan that fits your needs.

We also offer a variety of other home loan options with different terms and qualifications, such as VA mortgages, FHA loans, adjustable-rate mortgages, USDA Rural Housing loans, and more, that may be available for primary residences, vacation homes or investment properties.

If you are looking for competitive rates and terms on a 30 year mortgage in Reading, PA, get in touch with Bellco FCU. Our goal is to meet the needs of our members and the communities we serve and provide valuable benefits that can help them become financially empowered.