Certificates of Deposit

As a leader in great CD rates, Bellco lets you save in a variety of ways with more flexible options.

A Bellco CD is a savings tool that offers you a higher return on your money than most standard savings accounts. And unlike other savings accounts, CDs offer little to no risk and no monthly fees. It’s time your money started earning more—check out our CD rates and terms.

Traditional CDs

Bellco’s traditional CDs offer you benefits that are anything but traditional. As a rate leader, our CDs earn top interest rates—no matter what you’re saving for. Whether you’re looking for a short or long term, or a regular or jumbo CD, Bellco has a product to fit your needs.

  • Earn more: Get Bellco's highest interest rates
  • Easy choice: Choose a short- or long-term (3, 6, 12, 24, 36 or 60-months)
  • Easy to open: Start with as little as $500
RatesOpen Now

Smart Move CD

Our Smart Move CD gives you the benefits of a traditional CD with greater control and flexibility. With a minimum deposit of $2,500, the Smart Move CD gives you options.

  • Bump-up option: lets you make a one-time "bump-up" to the current interest rate anytime during the term of your CD
  • Ability to add funds: allows you to make a one-time additional deposit of $100 or more to your existing account
  • Penalty-free withdrawal: gives you the 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
  • Flexible term: will allow you to choose one of four terms (18, 24, 30, or 36 months) that works for you
RatesOpen Now


Individual Retirement Account CDs give you the benefits of a traditional CD within either a Traditional or Roth IRA, and they generally pay higher interest than a regular savings account.

  • Tax-advantage: being part of an IRA lets investors receive tax breaks that other accounts cannot
  • Safe & secure: IRA CDs are considered safe places to invest money for retirement
  • Great rates: earn better yields with highly competitive CD rates
RatesOpen Now

How to Renew Your CD Online


*The interest rate and annual percentage yield (APY) are subject to change without notice at any time prior to the issuance of the certificate. After the point of issuance, interest rates and APY are fixed for Traditional CDs. Smart Move CD rates may change after issuance if the bump-up option is used. Early withdrawal penalties apply. Fees may reduce earnings on the account.

All funds on deposit with Bellco Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF) up to certain limits. Click here to find out more.