| Account Type | APR |
| Auto New | 2.79% (*) |
| Auto Used | 2.79% (*) |
| 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).
Compare RatesRates Effective: 12/1/2014
Effective: February 27, 2015
|
| Product | Rate | Points | APR * | Monthly Mortgage Payment |
| 10 Year Fixed | 2.875% | 0.000 | 3.298% | $1,680 |
| 15 Year Fixed | 3.000% | 0.000 | 3.291% | $1,209 |
| 20 Year Fixed | 3.500% | 0.000 | 3.729% | $1,015 |
| 30 Year Fixed | 3.750% | 0.000 | 3.916% | $810 |
| 30 Year MCM 97 | 4.000% | 0.000 | 4.168% | $835 |
| 15 Year Jumbo | 4.125% | 0.000 | 4.426% | $4,289 |
| 30 Year Jumbo | 4.750% | 0.000 | 4.926% | $2,999 |
| 1 Year ARM | 3.000% | 0.000 | 3.159% | $738 |
| 3 Year ARM | 3.375% | 0.000 | 3.160% | $774 |
| 5 Year ARM | 3.500% | 0.000 | 3.335% | $786 |
| 7 Year ARM | 3.875% | 0.000 | 3.573% | $823 |
| 10 Year ARM | 4.125% | 0.000 | 3.863% | $848 |
| 3 Year Jumbo ARM | 3.375% | 0.000 | 3.242% | $2,542 |
| 5 Year Jumbo ARM | 3.625% | 0.000 | 3.380% | $2,622 |
| 7 Year Jumbo ARM | 3.875% | 0.000 | 3.573% | $2,704 |
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: 12/1/2014
| Account Type | APR | Terms |
| Bellco Home Equity ChoiceLine | 3.75% (*) | 20 years with 10 year draw |
| Bellco Home Equity ChoiceLine Fixed Rate Advanced | 5.50% (*) | 20 years with 10 year draw |
| Consumer Line of Credit | 12.90% | Open |
| Share-Secured Loans | 2.50% | Rate is rounded up ¼ point |
| Signature Loan | 12.90% | |
| Prime Rate | 3.25% (**) | |
| Floor Rate | 3.75% | |
Best Rate may vary based on personal credit history and will be provided by Bellco upon approval of a completed loan application.
*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.
Compare RatesRates Effective: 12/1/2014
|
Visa® Platinum Rewards Credit Card
|
| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for Purchases |
The Standard APR will range from 9.9% to 21%based on credit worthiness.
This APR will vary with the market based on the Prime rate. |
| APR for Balance Transfers |
9.9% to 21%
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
|
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 or balance transfers 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 7.9% to 21% , based on credit worthiness. This APR will vary with the market based on the Prime Rate.
|
| APR for Balance Transfers |
7.9% to 21%, 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 purchase or balance transfers 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
|
*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: 12/1/2014
| Loans | APR * | APY * |
| Unsecured Line of Credit | 6.00% | 6.00% |
| Vehicle Loan | 6.99% | 6.99% ** |
| Prime Rate | 3.25% | |
| Floor Rate | 3.75% | |
| Savings | Dividend Rate | APY * | Account Balance |
| Basic Business Savings Account | 0.05% | 0.05% ** | $100 - or more |
| Business Money Market Account | 0.20% | 0.20% ** | $0 - $50,000 |
| Business Money Market Account | 0.25% | 0.25% ** | $50,000.01 - $100,000 |
| Business Money Market Account | 0.35% | 0.35% ** | $100,000.01 - or more |
| Business Premier Money Market Account | 0.10% | 0.10% ** | $0 - $9,999.99 |
| Business Premier Money Market Account | 0.20% | 0.20% ** | $10,000.01 - $24,999.99 |
| Business Premier Money Market Account | 0.20% | 0.20% ** | $25,000 - $49,999.99 |
| Business Premier Money Market Account | 0.30% | 0.30% ** | $50,000.00 - $99,999.99 |
| Business Premier Money Market Account | 0.30% | 0.30% ** | $100,000 - $249,999.99 |
| Business Premier Money Market Account | 0.40% | 0.40% ** | $250,000 - or more |
| Business Services Credit Card | Bellco Business Visa |
| Annual Percentage Rate (APR) for purchases | As low as 9.99% variable |
| Other APRs | Cash Advances: Same as Purchase |
| Grace Period | 25 days for the repayment of the balance for purchases |
| Method of computing the Balance for Purchases | Average Daily Balance, Including new purchases |
| Annual Fee | $0.00 |
| Minimum Finance Charge | $0.00 |
| VISA Foreign Transaction Fee | up to 1% of transaction amount |
| Account Type | Dividend Rate | APY * |
| Business CD 3 months | 0.15% | 0.15% ** |
| Business CD 6 months | 0.25% | 0.25% ** |
| Business CD 12 months | 0.40% | 0.40% ** |
| Business CD 24 months | 0.50% | 0.50% ** |
| Business CD 36 months | 1.00% | 1.00% ** |
| Business CD 60 months | 1.49% | 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: 12/1/2014
| Category | Account Type | Dividend Rate | APY * |
| Platinum Checking Account | $0 - $2,499.99 | 0.03% | 0.03% ** |
| Platinum Checking Account | $2,500 - $4,999.99 | 0.03% | 0.03% ** |
| Platinum Checking Account | $5,000 - $9,999.99 | 0.03% | 0.03% ** |
| Platinum Checking Account | $10,000 - $24,999 | 0.05% | 0.05% ** |
| Platinum Checking Account | $25,000 - $49,999.99 | 0.10% | 0.10% ** |
| Platinum Checking Account | $50,000 or more | 0.15% | 0.15% ** |
*APY = Annual Percentage Yield
Dividend rates and APY are subject to change without notice.
Compare RatesRates Effective: 12/1/2014
| Category | Account Type | Dividend Rate | APY * | Terms |
| HSA Checking Account | $0 - $499.99 | 0.05% | 0.05% | |
| HSA Checking Account | $500 - $2,499.99 | 0.10% | 0.10% | |
| HSA Checking Account | $2,500 - $9,999.99 | 0.15% | 0.15% | |
| HSA Checking Account | $10,000 - $24,999.99 | 0.15% | 0.15% | |
| HSA Checking Account | $25,000+ | 0.20% | 0.20% | |
| Category | Account Type | Dividend Rate | APY * | Terms |
| HSA CD | 12 months | 0.40% | 0.40% ** | $500 minimum opening balance |
| HSA CD | 24 months | 0.50% | 0.50% ** | $500 minimum opening balance |
| HSA CD | 36 months | 1.00% | 1.00% ** | $500 minimum opening balance |
| HSA CD | 60 months | 1.49% | 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: 12/1/2014
| Category | Account Type | Dividend Rate | APY * | Terms |
| Regular CDs | 3 months | 0.15% | 0.15% ** | Minimum $500 |
| Regular CDs | 6 months | 0.25% | 0.25% ** | Minimum $500 |
| Regular CDs | 12 months | 0.40% | 0.40% ** | Minimum $500 |
| Regular CDs | 24 months | 0.50% | 0.50% ** | Minimum $500 |
| Regular CDs | 36 months | 1.00% | 1.00% ** | Minimum $500 |
| Regular CDs | 60 months | 1.49% | 1.50% ** | Minimum $500 |
| Category | Account Type | Dividend Rate | APY * | Terms |
| Smart Move CD | 18 months | 0.40% | 0.40% ** | $2,500 minimum opening balance |
| Smart Move CD | 24 months | 0.45% | 0.45% ** | $2,500 minimum opening balance |
| Smart Move CD | 30 months | 0.55% | 0.55% ** | $2,500 minimum opening balance |
| Smart Move CD | 36 months | 0.85% | 0.85% ** | $2,500 minimum opening balance |
| Category | Account Type | Dividend Rate | APY * | Terms |
| Jumbo CDs | 6 months | 0.30% | 0.30% ** | $100,000 or more |
| Jumbo CDs | 12 months | 0.45% | 0.45% ** | $100,000 or more |
| Category | Account Type | Dividend Rate | APY * | Terms |
| Youth CD | 12 months | 0.40% | 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.
Compare RatesRates Effective: 12/1/2014
| Category | Account Type | Dividend Rate | APY * | Terms |
| IRA & Coverdell Account | $0 - $10,000 | 0.15% | 0.15% ** | Minimum $5 |
| IRA & Coverdell Account | $10,000.01 - $25,000 | 0.15% | 0.15% ** | Minimum $5 |
| IRA & Coverdell Account | $25,000.01 - $50,000 | 0.20% | 0.20% ** | Minimum $5 |
| IRA & Coverdell Account | $50,000.01 - $100,000 | 0.20% | 0.20% ** | Minimum $5 |
| IRA & Coverdell Account | $100,000.01 or more | 0.25% | 0.25% ** | Minimum $5 |
| Category | Account Type | Dividend Rate | APY * | Terms |
| IRA & Coverdell CDs | 3 months | 0.15% | 0.15% ** | Minimum $500 |
| IRA & Coverdell CDs | 6 months | 0.25% | 0.25% ** | Minimum $500 |
| IRA & Coverdell CDs | 12 months | 0.40% | 0.40% ** | Minimum $500 |
| IRA & Coverdell CDs | 24 months | 0.50% | 0.50% ** | Minimum $500 |
| IRA & Coverdell CDs | 36 months | 1.00% | 1.00% ** | Minimum $500 |
| IRA & Coverdell CDs | 60 months | 1.49% | 1.50% ** | Minimum $500 |
| Category | Account Type | Dividend Rate | APY * | Terms |
| IRA & Coverdell Jumbo CDs | 6 months | 0.30% | 0.30% ** | $100,000 or more |
| IRA & Coverdell Jumbo CDs | 12 months | 0.45% | 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: 12/1/2014
| Category | Account Type | Dividend Rate | APY * |
| Premier Money Market Account | $0 - $9,999.99 | 0.10% | 0.10% ** |
| Premier Money Market Account | $10,000 - $24,999.99 | 0.10% | 0.10% ** |
| Premier Money Market Account | $25,000 - $49,999.99 | 0.15% | 0.15% ** |
| Premier Money Market Account | $50,000 - $99,999.99 | 0.15% | 0.15% ** |
| Premier Money Market Account | $100,000 - $249,999.99 | 0.20% | 0.20% ** |
| Premier Money Market Account | $250,000 or more | 0.25% | 0.25% ** |
| Category | Account Type | Dividend Rate | APY * |
| Member Money Market Account | $0 - $999.99 | 0.01% | 0.01% ** |
| Member Money Market Account | $1,000 - $9,999.99 | 0.05% | 0.05% ** |
| Member Money Market Account | $10,000 - $24,999.99 | 0.05% | 0.05% ** |
| Member Money Market Account | $25,000 or more | 0.10% | 0.10% ** |
| Category | Account Type | Dividend Rate | APY * |
| Savings Account | $25.01 & above | 0.05% | 0.05% ** |
| Category | Account Type | Dividend Rate | APY * |
| Christmas Club Account | Minimum: $5 | 0.05% | 0.05% ** |
| Category | Account Type | Dividend Rate | APY * |
| Youth Savings | $1.00 - $500 | 1.19% | 1.20% ** |
| Youth Savings | $500.01 or more | 0.05% | 0.05% ** |
| Category | Account Type | Dividend Rate | APY * |
| Surprise Savings | $0.01 & above | 0.05% | 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.
Compare RatesRates Effective: 12/1/2014