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APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates effective as of November 15, 2019 and are subject to change.
Fees may reduce earnings.

Home Equity Loans Learn More

Product Term Rate
70% Loan to Value or Lower 1 To 36 Months as low as 2.74%
70% Loan to Value or Lower 37 To 60 Months as low as 2.99%
70% Loan to Value or Lower 61 To 84 Months as low as 3.24%
70% Loan to Value or Lower 85 To 120 Months as low as 3.49%
70% Loan to Value or Lower 121 To 180 Months as low as 3.74%
70.01% to 80% Loan to Value 1 To 36 Months as low as 2.99%
70.01% to 80% Loan to Value 37 To 60 Months as low as 3.24%
70.01% to 80% Loan to Value 61 To 84 Months as low as 3.49%
70.01% to 80% Loan to Value 85 To 120 Months as low as 3.74%
70.01% to 80% Loan to Value 121 To 180 Months as low as 3.99%
80.01% to 90% Loan to Value 1 To 36 Months as low as 3.74%
80.01% to 90% Loan to Value 37 To 60 Months as low as 3.99%
80.01% to 90% Loan to Value 61 To 84 Months as low as 4.24%
80.01% to 90% Loan to Value 85 To 120 Months as low as 4.49%
80.01% to 90% Loan to Value 121 To 180 Months as low as 4.74%

Bellco Federal Credit Union offers Fixed Rate Home Equity Loans and Home Equity Lines of Credit. Rates are subject to change and may be higher for second lien positions. Please call 610.373.5192 to schedule an appointment with one of our loan representatives to discuss Home Equity Loan options. Rates are listed for 1st liens only; rates may be higher for 2nd lien positions.

Kasasa Cash* Learn More

Balance Rate APY
Up to $10,000 2.00% 2.00%
Balances over $10,000 0.25% 2.00% to 0.41%
Qualifications not met 0.05% 0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

HELOC Learn More

Product Term Rate
Up To 80% LTV Revolving as low as 3.99%
80.01% - 90% LTV Revolving as low as 4.24%

Your variable rate may vary depending upon your individual credit score. Rates are subject to change and may be higher for second lien positions. Rates are for 1st lien position; rates may be higher for 2nd lien position.

First Mortgage Loans (Up to 30 Years) Learn More

Product Term Rate APR
10 Year Conventional Fixed Mortgage Loan 0 Points 120 Months 2.875% 2.971%
15 Year Conventional Fixed Mortgage Loan 0 Points 180 Months 3.000% 3.066%
20 Year Conventional Fixed Mortgage Loan 0 Points 240 Months 3.375% 3.427%
30 Year Conventional Fixed Mortgage Loan 0 Points 360 Months 3.500% 3.537%
3/1 Year ARM Mortgage Loan 0 Points 360 Months 4.375% 4.318%
5/1 Year ARM Mortgage Loan 0 Points 360 Months 4.375% 4.334%
7/1 Year ARM Mortgage Loan 0 Points 360 Months 4.375% 4.349%
10/1 Year ARM Mortgage Loan 0 Points 360 Months 3.875% 4.055%
30 Year Fixed FHA/VA Mortgage Loan 0 Points 360 Months 3.625% 3.663%
15 Year Fixed FHA/VA Mortgage Loan 0 Points 180 Months 3.875% 3.943%
30 Year Fixed 203k Mortgage Loan 0 Points 360 Months 4.125% 4.163%

 

Interest rates shown are as low as, may change daily, and are subject to change without prior notice. Please call for Jumbo Rates (loan amounts greater than $453,100).Payment example: 360 monthly payments at 5.250% APR with no insurance produces a payment of $5.53 per $1,000.00 borrowed. Please contact us for current interest rate information, mortgage loan limits, a fee schedule or down payment requirements at 610-373-5192, option 4.

New Vehicle, Motorcycle Loans Learn More

Term Rate
1 - 36 Months as low as 2.99%
37 - 60 Months as low as 3.50%
61 - 72 Months as low as 3.99%
73 - 84 Months as low as 4.99%

Used Vehicle, Motorcycle Loans (2009 or newer) Learn More

Term Rate
1 - 36 Months as low as 2.99%
37 - 60 Months as low as 3.50%
61 - 72 Months as low as 3.99%
73 - 84 Months as low as 4.99%

Vehicles older than 2009 are subject to case by case review. Please inquire about older vehicle rates at (610) 373-5192.

New & Used Recreational Vehicles (2011 or Newer) Learn More

Term Rate
1 - 36 Months as low as 4.24%
37 - 72 Months as low as 5.24%
73 - 84 Months as low as 7.24%

Personal Loans Learn More

Maximum Term Rate
$20,000.00 0 - 60 Months as low as 8.99%

Seasonal Loans (Vacation & Holiday Loans) Learn More

Maximum Term Rate
$2,000.00 0 - 12 Months as low as 6.99%

Savings and Club Accounts Learn More

Product APY
Regular Savings Account 0.05%
Vacation Club Account

(Funds can be withdrawn at any time without incurring a fee)

0.10%
Christmas Club Account

(Funds automatically transfer to member's savings account in October; Penalties apply for early withdrawal)

0.25%

Share Certificates (Minimum Deposit of $500) Learn More

Term Dividend Rate APY
6 Months 1.25% 1.26%
12 Months (1 Year) 1.75% 1.76%
20 Months 1.75% 1.76%
24 Months (2 Years) 2.00% 2.02%
36 Months (3 Years) 2.05% 2.07%
48 Months (4 Years) 2.10% 2.12%
60 Months (5 Years) 2.20% 2.22%

Share Certificates (Minimum Deposit of $25,000) Learn More

Term Dividend Rate APY
12 Months (1 Year) 1.75% 1.76%
20 Months 1.75% 1.76%
24 Months (2 Years) 2.00% 2.02%
36 Months (3 Years) 2.05% 2.07%
48 Months (4 Years) 2.10% 2.12%
60 Months (5 Years) 2.20% 2.22%

Penalties apply for early withdrawal.

Bellco Student CD Learn More

Term Dividend Rate APY
60 Months (5 Years) 2.20% 2.22%

Minimum Deposit of $100. $3,000 Maximum.

IRAs (Individual Retirement Accounts) Learn More

Dividend Rate APY
0.15% 0.15%

All IRA Certificate of Deposits are at the same rates/terms/minimum deposit requirements as our regular Certificate of Deposits. Penalties apply for early withdrawal.

Money Market Accounts Learn More

Term Dividend Rate APY
$2,000 - $19,999.99 0.25% 0.25%
$20,000 - $49,999.99 0.25% 0.25%
$50,000 + 0.25% 0.25%