August Newsletter


AUGUST 18–31

Bring your family to the our Longmont Branch Grand Opening Celebration, beginning Friday, August 18. Stop by the branch through the end of August for prize drawings, refreshments, and Longmont Branch-exclusive offers on checking accounts, auto loans, and our popular Colorado Rewards credit card.

While you’re there, text for a chance to win one of 15 great summer prizes, including a YETI® Cooler, a Whole Foods® gift basket, Rockies tickets, concert tickets, gift cards to local merchants, and more! Entry text code will be available at the branch during the celebration.

BELLCO is also sponsoring a free

Community Concert


One Flew West and Wildermiss

Friday, August 18 @ 7 PM

Stop by the Village Lawn within Village at the Peaks before the concert as members of One Flew West will be on hand for a guitar-tuning workshop at 6 p.m. Bellco has partnered with Can’d Aid Foundation to donate 50 musical instruments to St. Vrain public schools.

Concertgoers can make a monetary charitable donation to Can’d Aid Foundation at the concert or at the Longmont Branch. The money raised will go to local music programs.

NO PURCHASE NECESSARY TO ENTER OR WIN. For official rules, visit
CAN'D Aid Foundation is a 501(c)(3) Non-Profit Organization. Donations may be tax deductible. Please consult a tax professional.


This month we are updating our website,, to be responsivemaking it easily accessible from any device. As more and more consumers use their mobile device to access the web, being able to view a website from a mobile device becomes more important. 

A responsive website detects the device being used and adapts the web pages (responds) to that device. For example, on a mobile phone, users would see content shown in a single column view; a tablet might show the same content in two columns, while a laptop/desktop would display three columns. 

What does this mean for you? It means no more pinching or horizontal scrolling required when viewing from any of your mobile devices. The new responsive site will be up and running very soon on Stay tuned!


by CUSO Financial Services, L.P. (“CFS”)

Like many Coloradans, you may have already set aside funds in retirement accounts such as IRAs, 401(k)s, workplace savings plans, or even taxable accounts. The real challenge, however, is to convert those savings into an ongoing income stream that will provide adequate income throughout your retirement years.

The retirement lifestyle you can afford depends not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. The annual percentage that you take out of your portfolio, whether from interest or both interest and principal, is known as your withdrawal rate. The withdrawal rate is especially important in the early years of your retirement, as it will have a lasting impact on how long your savings last.

Who can you to turn to for guidance when making these decisions? The CFS* Financial Advisors serving Bellco, available through CUSO Financial Services, L.P., possess the necessary skills and experience to assist you with your retirement strategy.

You’ll learn that there is no standard rule of thumb that works for everyone. Your particular withdrawal rate will need to take into account many factors, including, but not limited to, your asset allocation and projected rate of return, annual income targets (accounting for inflation as desired), and investment horizon.

You may have assets in accounts that are taxable (e.g., CDs, mutual funds), tax deferred (e.g., traditional IRAs), and tax free (e.g., Roth IRAs). Given a choice, which type of account should you withdraw from first? The answer is… it depends. Your choice of which assets to draw first may, to some extent, be directed by tax rules. The bottom line is that this decision is also a complicated one. A financial advisor can help you determine the best course based on your individual circumstances.

Contact CFS* Today!

Call 303-728-3443, email, or stop by any Bellco branch to schedule a personalized complimentary appointment with a CFS* Financial Advisor.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Bellco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

CUSO Financial Services, L.P. (CFS), does not provide tax or legal advice. For such guidance, please consult your tax and/or legal advisor.


Mi Casa

In August, Bellco will collect donations for Bright Pink, a non-profit organization that focuses on the risk-reduction and early detection of breast and ovarian cancer in young women while providing support for high-risk individuals.

Please consider donating to this charitable cause through Bellco’s Charity of the Month page. To learn more about Bright Pink, just visit them online at