Certificates of Deposit

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Looking to purchase a certificate of deposit?

Compare our CDs and choose which is best for you!

Rates current as of August 13, 2022.

This rate won’t last long!

Traditional CD

Traditional CDs allow you to invest a specific amount for a predefined term with fixed interest rates throughout the life of your CD: 
  • Open with as little as $500.
  • Earn more with Bellco’s competitive interest rates.
  • Choose from a wide array of short- or long-term options.
TermRate
3 Months0.25%* APYOpen now
6 Months0.75%* APYOpen now
12 Months1.15%* APYOpen now
24 Months1.50%* APYOpen now
36 Months1.75%* APYOpen now
60 Months1.90%* APYOpen now

Smart Move CD

Smart Move CDs offer the same benefits as traditional certificates of deposit with additional advantages: 
  • Start with a minimum of $2,500.
  • Make a one-time “bump-up” to the next interest rate anytime during the term of your CD.
  • Ability to add a one-time additional deposit of $100 or more to your existing account.
  • Flexibility to make one withdrawal during the account term with no penalty—as long as a minimum balance of $1,000 is left in the account.
TermRate
18 Months1.15%* APYOpen now
24 Months1.40%* APYOpen now
30 Months1.40%* APYOpen now
36 Months1.65%* APYOpen now

Jumbo CD

Consider our Jumbo CD for a significant investment:
  • A minimum deposit of $100,000.
  • Typically earns higher interest than traditional CDs with equivalent terms.
TermRate
6 Months0.75%* APYOpen now
12 Months1.25%* APYOpen now

Youth CD

Help your youngster develop strong financial habits and goals with a youth certificate of deposit:
  • Start with as little as $50 to open.
  • Ability to add funds during the term of your CD.
  • Available for members 24 years old and younger.
TermRate
12 Months1.15%* APY

HSA CD

Invest a portion of your HSA and earn income for your health savings with a fixed-rate CD:*
  • Start with a minimum deposit of $500
  • Contributions may be tax-deductible**
  • Tax-deferred dividend earnings with competitive interest rates
  • Tax-free withdrawals if you use funds for qualified expenses
  • Easy access to funds with HSA debit card and checks
TermRate
12 Months1.15%* APY
24 Months1.50%* APY
36 Months1.75%* APY
60 Months1.90%* APY

IRA CD

Whether you’re an employee or a self-employed worker, you can increase your retirement savings with an IRA CD:
  • Invest a portion of your Traditional or Roth IRA
  • Defer tax payments on Traditional IRA earnings to future withdrawals**
  • Enjoy higher rates than a traditional savings account
IRA & Coverdell CDs – $500 Minimum Account Balance
TermRate
3 Months0.25%* APY
6 Months0.75%* APY
12 Months1.15%* APY
24 Months1.50%* APY
36 Months1.75%* APY
60 Months1.90%* APY
IRA & Coverdell Jumbo CDs – $100,000 Minimum Account Balance
TermRate
6 Months0.75%* APY
12 Months1.25%* APY

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