Membership Eligibility

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Banking at Bellco means you’re a valued member of one of the largest credit unions in Colorado. Your membership gives you access to lower interest rates on loans, higher yields on deposits, our wide network of surcharge-free ATMs, free financial advice, and more.

You can join online or stop in any of our branch locations. There’s a one-time $5 membership fee and a $5 share deposit.

Once a member, always a member. Even if you take a different job or move to another state, you can keep all your Bellco accounts.

There are four simple ways to make the switch to Bellco:


Where you live or work
If you live or work in any of the following areas, you are automatically eligible to join Bellco:  Adams County, Arapahoe County, Boulder County, Broomfield County, Denver County, Douglas County, El Paso County, Garfield County, Jefferson County, Larimer County, Mesa County, Moffat County, Rio Blanco County, Weld County


Someone in your family is a Bellco Member
If anyone in your family (related by blood, marriage, or adoption) is a Bellco member then you are eligible for membership, too.


You work for a Bellco Select Employee Group (SEG) company
Check our list of employee/association groups. You are automatically eligible for Bellco membership if you or a member of your immediate family is employed by or affiliated with any of these companies.

Organization Membership

Bellco Foundation. Whether you’re a Colorado resident or not, you can become eligible for Bellco membership by joining the Bellco Foundation. The Bellco Foundation is a 501(c)3 non-profit organization and any contribution you make to the Foundation may be tax deductible. Consult a tax professional regarding the tax deductibility of your donation. Simply follow the instructions at to get started.

Consumers United Association (CUA). Bellco is affiliated with CUA, a nonprofit advocacy group educating consumers on financial issues. If you’re a Colorado resident and become a member of CUA, you’re automatically eligible to join Bellco. For more information, call 303-689-7800 (1-800-BELLCO-1 outside metro Denver), visit, or go to any Bellco branch and ask a representative how you can join CUA.


If you are an employer looking for a no-cost benefit to offer your employees, credit-union membership is your answer. Click here to learn more about all the great benefits of becoming one of Bellco’s Select Employee Group.

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