Rates and Calculators

Auto Loans

Account TypeAPR
Auto New2.89% (*)
Auto Used2.89% (*)
Motorcycle (Street Legal)5.89%
Recreational Vehicles (RVs and Boats)10.99%

All rates displayed are Annual Percentage Rate (APR). Loan interest rates and terms provided above are only estimates. Best Rate may vary based on personal credit history and will be provided by Bellco Credit Union upon approval of a completed loan application. Rates are subject to change without notice.


*Rate applies to terms of five years or less (Terms up to 7 years also available).


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Rates Effective: 3/1/2014

Mortgage Loans

Effective: April 16, 2014

ProductRatePointsAPR *Monthly Mortgage Payment
10 Year Fixed3.250%0.0003.676%$1,710
15 Year Fixed3.500%0.0003.795%$1,251
20 Year Fixed3.875%0.0004.107%$1,049
30 Year Fixed4.250%0.0004.421%$861
30 Year MCM 974.250%0.0004.421%$861
15 Year Jumbo4.625%0.0004.930%$4,436
30 Year Jumbo5.250%0.0005.431%$3,175
1 Year ARM3.000%0.0003.042%$738
3 Year ARM3.000%0.0003.033%$738
5 Year ARM3.500%0.0003.253%$786
7 Year ARM4.000%0.0003.565%$835
10 Year ARM4.625%0.0004.140%$900
3 Year Jumbo ARM3.250%0.0003.116%$2,502
5 Year Jumbo ARM3.625%0.0003.297%$2,622
7 Year Jumbo ARM4.000%0.0003.565%$2,745

The quotes above are only a sample of the wide variety of loan programs and rates available. Please consult a Loan Officer to discuss a variety of loan programs and rates applicable to your particular financing needs.


To view additional details regarding payment information, click on the link in the Monthly Mortgage Payment column.


Rates posted are indications only and are subject to change without notice.


Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan.


The quotes above include a 1% Origination fee.


The quotes above are based on a specific loan amount for the purchase of a single-family, primary residence. A loan amount of $175,000, with a home value of $250,000, is used for all conforming fixed rate and ARM loans. Jumbo loan payments are based on a loan amount of $575,000 with a property value of $850,000.


Today's rates are posted on this page between 8:00 a.m. and 9:00 a.m. MST (or MDT). If yesterday's date is listed as the effective date, the rates reflected here are unavailable.


Rates on Adjustable Rates Mortgages (ARM) are subject to change after loan closing based on an index plus a margin.


The payments listed above do not include amounts for taxes and insurance, which may increase the payment amount.

Rates Effective: 3/1/2014

Personal Loans

Account TypeAPRTerms
Bellco Home Equity ChoiceLine3.75% (*)20 years with 10 year draw
Bellco Home Equity ChoiceLine Fixed Rate Advanced5.50% (*)20 years with 10 year draw
Consumer Line of Credit12.90% Open
Share-Secured Loans2.50% Rate is rounded up ¼ point
Signature Loan12.90%
Prime Rate3.25% (**)
Floor Rate3.75%

*Bellco Home Equity ChoiceLine- Rate applies for a maximum loan to value (LTV) of 80%. Terms up to 97% LTV are also available. Under no circumstances will the annual percentage rate go below the floor limit at any time during the term of our loan.


**Bellco loans tied to prime are calculated on the highest prime rate listed in the WSJ on the last day of the previous month. When prime adjusts after this date, Bellco rates will be adjusted the following month.




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Rates Effective: 3/1/2014

Credit Cards

Visa® Platinum Rewards Credit Card
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

 

9.90% to 21.00%
When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime rate.
APR for Balance Transfers 9.90% to 21.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances 18.25%
This APR will vary with the market based on the Prime Rate.
Penalty APR
None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee None
Transaction Fees
• Balance Transfer

• Cash Advance

• Foreign Transaction

Either $10 or 4% of the amount of each balance transfer, whichever is greater (maximum fee: $75)

Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee: $75)

1% of each transaction in U.S. dollars.
Penalty Fees
• Late Payment

• Returned Payment

• Over the Limit Fee

The lesser of minimum payment due or $25

 $10

None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.

Periodic Rates: After any Introductory Rate period, or if an Introductory Rate does not apply to your Account, the periodic rate for purchases will range from .0271232% per day to .0575342 per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 9.9% to 21%. The periodic rate for cash advances is 0.0500% per day with a corresponding annual percentage rate of 18.2500%. Balance transfers will be considered purchases and will have the same periodic rate and corresponding annual percentage rate as purchases. Balance transfers will be referred to as purchases for purposes of this disclosure.

Effective Date: This disclosure is effective as of October 1, 2013 and is subject to change after date listed.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Visa® Platinum Credit Card
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
0% Introductory APR on all purchases for six months*

After that, the Standard APR will range from 7.90% to 21.00% , based on credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers

0% Introductory APR on all purchases for six months*

After that, the Standard APR will range from 7.90% to 21.00%, based on credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 18.25%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee None
Transaction Fees
• Balance Transfer

• Cash Advance

• Foreign Transaction

Either $10 or 4% of the amount of each balance transfer, whichever is greater (maximum fee: $75)

Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee: $75)

1% of each transaction in U.S. dollars.
Penalty Fees
• Late Payment

• Returned Payment

• Over the Limit Fee

The lesser of minimum payment due or $25.

Up to $10

None

*Introductory 0% APR valid on accounts with a credit score of 760 or higher.


How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.

Periodic Rates: After any Introductory Rate period, or if an Introductory Rate does not apply to your Account, the periodic rate for purchases will range from .0216438% per day to .0575342 per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 7.9% to 21%. The periodic rate for cash advances is 0.0500% per day with a corresponding annual percentage rate of 18.2500%. Balance transfers will be considered purchases and will have the same periodic rate and corresponding annual percentage rate as purchases. Balance transfers will be referred to as purchases for purposes of this disclosure.

Effective Date: This disclosure is effective as of October 1, 2013 and is subject to change after date listed.


Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.


Rates Effective: 3/1/2014

Business Services Accounts

LoansAPR *APY *
Unsecured Line of Credit6.00% 6.00%
Vehicle Loan6.99% 6.99% **
Prime Rate3.25%  
Floor Rate3.75%  
SavingsDividend RateAPY *Account Balance
Basic Business Savings Account0.05% 0.05% **$100 - or more
Business Money Market Account0.20% 0.20% **$0 - $50,000
Business Money Market Account0.25% 0.25% **$50,000.01 - $100,000
Business Money Market Account0.35% 0.35% **$100,000.01 - or more
Business Premier Money Market Account0.10% 0.10% **$0 - $9,999.99
Business Premier Money Market Account0.20% 0.20% **$10,000.01 - $24,999.99
Business Premier Money Market Account0.20% 0.20% **$25,000 - $49,999.99
Business Premier Money Market Account0.30% 0.30% **$50,000.00 - $99,999.99
Business Premier Money Market Account0.30% 0.30% **$100,000 - $249,999.99
Business Premier Money Market Account0.40% 0.40% **$250,000 - or more
Business Services Credit CardBellco Business Visa
Annual Percentage Rate (APR) for purchasesAs low as 9.99% variable
Other APRsCash Advances: Same as Purchase
Grace Period25 days for the repayment of the balance for purchases
Method of computing the Balance for PurchasesAverage Daily Balance, Including new purchases
Annual Fee$0.00
Minimum Finance Charge$0.00
VISA Foreign Transaction Feeup to 1% of transaction amount
Account TypeDividend RateAPY *
Business CD 3 months0.15% 0.15% **
Business CD 6 months0.25% 0.25% **
Business CD 12 months0.40% 0.40% **
Business CD 24 months0.50% 0.50% **
Business CD 36 months0.75% 0.75% **
Business CD 60 months1.49% 1.50% **

*APY = Annual Percentage Yield


**The dividend rate and annual percentage yield (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. After the point of issuance dividend rates and annual percentage yield (APY) are fixed. Early withdrawal penalties apply, read more.



Rates Effective: 3/1/2014

Checking

CategoryAccount TypeDividend RateAPY *
Platinum Checking Account$0 - $2,499.990.03% 0.03% **
Platinum Checking Account$2,500 - $4,999.990.03% 0.03% **
Platinum Checking Account$5,000 - $9,999.990.03% 0.03% **
Platinum Checking Account$10,000 - $24,9990.05% 0.05% **
Platinum Checking Account$25,000 - $49,999.990.10% 0.10% **
Platinum Checking Account$50,000 or more0.15% 0.15% **

*APY = Annual Percentage Yield


Dividend rates and APY are subject to change without notice.



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Rates Effective: 3/1/2014

HSA

CategoryAccount TypeDividend RateAPY *Terms
HSA Checking Account$0 - $499.990.05% 0.05%
HSA Checking Account$500 - $2,499.990.10% 0.10%
HSA Checking Account$2,500 - $9,999.990.15% 0.15%
HSA Checking Account$10,000 - $24,999.990.15% 0.15%
HSA Checking Account$25,000+0.20% 0.20%
CategoryAccount TypeDividend RateAPY *Terms
HSA CD12 months0.40% 0.40% **$500 minimum opening balance
HSA CD24 months0.50% 0.50% **$500 minimum opening balance
HSA CD36 months0.75% 0.75% **$500 minimum opening balance
HSA CD60 months1.49% 1.50% **$500 minimum opening balance

*APY = Annual Percentage Yield


**The dividend rate and annual percentage yield (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. After the point of issuance dividend rates and annual percentage yield (APY) are fixed. Early withdrawal penalties apply, read more.



Rates Effective: 3/1/2014

CD

CategoryAccount TypeDividend RateAPY *Terms
Regular CDs3 months0.15% 0.15% **Minimum $500
Regular CDs6 months0.25% 0.25% **Minimum $500
Regular CDs12 months0.40% 0.40% **Minimum $500
Regular CDs24 months0.50% 0.50% **Minimum $500
Regular CDs36 months0.75% 0.75% **Minimum $500
Regular CDs60 months1.49% 1.50% **Minimum $500
CategoryAccount TypeDividend RateAPY *Terms
Smart Move CD18 months0.40% 0.40% **$2,500 minimum opening balance
Smart Move CD24 months0.45% 0.45% **$2,500 minimum opening balance
Smart Move CD30 months0.55% 0.55% **$2,500 minimum opening balance
Smart Move CD36 months0.65% 0.65% **$2,500 minimum opening balance
CategoryAccount TypeDividend RateAPY *Terms
Jumbo CDs6 months0.30% 0.30% **$100,000 or more
Jumbo CDs12 months0.45% 0.45% **$100,000 or more
CategoryAccount TypeDividend RateAPY *Terms
Youth CD12 months0.40% 0.40% **Minimum $50

*APY = Annual Percentage Yield


**The dividend rate and annual percentage yield (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. After the point of issuance dividend rates and annual percentage yield (APY) are fixed. Early withdrawal penalties apply, read more.

CD earnings could be reduced if fees are added.



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Rates Effective: 3/1/2014

IRA
Coverdell ESA

CategoryAccount TypeDividend RateAPY *Terms
IRA & Coverdell Account $0 - $10,0000.15% 0.15% **Minimum $5
IRA & Coverdell Account $10,000.01 - $25,0000.15% 0.15% **Minimum $5
IRA & Coverdell Account $25,000.01 - $50,0000.20% 0.20% **Minimum $5
IRA & Coverdell Account $50,000.01 - $100,0000.20% 0.20% **Minimum $5
IRA & Coverdell Account $100,000.01 or more0.25% 0.25% **Minimum $5
CategoryAccount TypeDividend RateAPY *Terms
IRA & Coverdell CDs3 months0.15% 0.15% **Minimum $500
IRA & Coverdell CDs6 months0.25% 0.25% **Minimum $500
IRA & Coverdell CDs12 months0.40% 0.40% **Minimum $500
IRA & Coverdell CDs24 months0.50% 0.50% **Minimum $500
IRA & Coverdell CDs36 months0.75% 0.75% **Minimum $500
IRA & Coverdell CDs60 months1.49% 1.50% **Minimum $500
CategoryAccount TypeDividend RateAPY *Terms
IRA & Coverdell Jumbo CDs6 months0.30% 0.30% **$100,000 or more
IRA & Coverdell Jumbo CDs12 months0.45% 0.45% **$100,000 or more

*APY = Annual Percentage Yield


**The dividend rate and annual percentage yield (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. After the point of issuance dividend rates and annual percentage yield (APY) are fixed. Early withdrawal penalties apply, read more.

IRA earnings could be reduced if fees are added.



Rates Effective: 3/1/2014

Savings

CategoryAccount TypeDividend RateAPY *
Premier Money Market Account$0 - $9,999.990.10% 0.10% **
Premier Money Market Account$10,000 - $24,999.990.10% 0.10% **
Premier Money Market Account$25,000 - $49,999.990.15% 0.15% **
Premier Money Market Account$50,000 - $99,999.990.15% 0.15% **
Premier Money Market Account$100,000 - $249,999.990.20% 0.20% **
Premier Money Market Account$250,000 or more0.25% 0.25% **
CategoryAccount TypeDividend RateAPY *
Member Money Market Account$0 - $999.990.01% 0.01% **
Member Money Market Account$1,000 - $9,999.990.05% 0.05% **
Member Money Market Account$10,000 - $24,999.990.05% 0.05% **
Member Money Market Account$25,000 or more0.10% 0.10% **
CategoryAccount TypeDividend RateAPY *
Savings Account$25.01 & above 0.05% 0.05% **
CategoryAccount TypeDividend RateAPY *
Christmas Club AccountMinimum: $50.05% 0.05% **
CategoryAccount TypeDividend RateAPY *
Youth Savings$1.00 - $5001.19% 1.20% **
Youth Savings$500.01 or more0.05% 0.05% **
CategoryAccount TypeDividend RateAPY *
Surprise Savings$0.01 & above0.05% 0.05% **

*APY = Annual Percentage Yield


**The dividend rates and annual percentage yield (APY) are subject to change, without notice.

Savings account earnings could be reduced if fees are added.



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Rates Effective: 3/1/2014