Home & Auto Loan Calculators | Bellco Credit Union

Account Type	APR
Auto	3.99% Ɨ
Motorcycle (Street Legal)	6.39% Ɨ
Recreational Vehicles (RVs and Boats)	10.99% Ɨ

Rates Effective: 1/1/2019

ƗThe Annual Percentage Rate (APR) provided above is for well qualified borrowers. Advertised rates are subject to change without notice. All loans are subject to approval. The final APR may vary based on several factors, including personal credit history, term of loan, loan to value and age of auto. You must qualify for membership. Other conditions and restrictions may apply.

Please talk to a Loan Consultant to discuss your particular financing needs.

Product	Rate	Points	APR *	Monthly Mortgage Payment
Effective: January 15, 2019
10 Year Fixed	4.250%	0.000	4.574%	$1,793
15 Year Fixed	4.250%	0.000	4.475%	$1,316
20 Year Fixed	4.375%	0.000	4.552%	$1,095
30 Year Fixed	4.625%	0.000	4.755%	$900
15 Year Jumbo	4.750%	0.000	4.979%	$4,473
30 Year Jumbo	4.875%	0.000	5.007%	$3,043
3/1 ARM	3.875%	0.000	5.552%	$823
5/1 ARM	3.875%	0.000	4.992%	$823
7/1 ARM	4.000%	0.000	4.880%	$835
10/1 ARM	4.625%	0.000	5.074%	$900
3/1 Jumbo ARM	3.875%	0.000	5.192%	$2,704
5/1 Jumbo ARM	3.875%	0.000	4.992%	$2,704
7/1 Jumbo ARM	4.000%	0.000	4.880%	$2,745

ƗAnnual Percentage Rate (APR) is for well qualified borrowers. All applications are subject to credit approval and the final APR and points may vary based on several factors. Membership is required. Advertised rates are subject to change without notice.

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

*The examples above are based on 60% loan to value on a specific loan amount for the purchase of a single-family, primary residence using a credit score of 640 or higher and includes a $750 Origination fee. Conforming fixed rate and ARM loan payments are based on a loan amount of $175,000, with a home value of $295,000. Jumbo loan payments are based on a loan amount of $575,000 with a property value of $960,000. ARM loan payments are calculated using a 30 year term. The payments listed above do not include amounts for taxes and insurance premiums, which may increase the payment amount. To view additional details regarding payment information for each example, click on the link in the Monthly Mortgage Payment column. To customize a quote based on your scenario, click on the ‘Home Loan Calculator’ below.

The examples 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.

Product	APRƗ as low as	Terms and Conditions
ChoiceLine[1] – Variable	6.00% *[2]	120-month Draw Period followed by a 120-month Repayment Period (see ChoiceLine-Fixed for Repayment Period pricing) Revolving line of credit Secured by a residence Minimum payment of $50 Floor rate is 3.75%
ChoiceLine[1] – Fixed	6.50%	Repayment Period balance at time of conversion will be fixed at the current fixed rate and amortized over 10 years Have up to 3 fixed rate Sub-accounts at any one time with a term of up to 240 months, not to exceed the remaining term of the loan Secured by a residence Minimum advance is $5,000 Rate will increase by 1/4% for loans in junior lien position
Personal Line of Credit – Variable	15.15% *[2]	Revolving line of credit Minimum payment is the greater of $50 or 2.5% of the balance, plus accrued interest Credit limit starting at $500
Signature Loan - Fixed	12.90%	Up to 60 months Minimum payment of $25 Payment example for 60-month loan @ 12.90% APR: 60 payments of $11 per $500 borrowed
Share Secured – Fixed	2.50% [3] plus the interest rate paid on the Savings account	Up to 180 months Secured by collected funds on a Savings account Rate is rounded up to the nearest ¼% Minimum loan amount is $500 Minimum payment of $25 Payment example for 180-month loan secured to a Savings account earning .10% @ 2.60% APR: 180 payments of $3 per $500 borrowed
CD Secured – Fixed	2.50% [3] plus the interest rate paid on the CD	Up to 60 months, not to exceed the maturity date of the Certificate of Deposit (CD) securing the loan Secured by collected funds on a Certificate of Deposit Rate is rounded up to the nearest ¼% Minimum loan amount is $500 Minimum payment of $25 Payment example for 60-month loan secured to a CD account earning 1.98% @4.50% APR: 60 payments of $9 per $500 borrowed

Rates Effective: 1/1/2019

ƗAnnual Percentage Rate (APR) shown is for well qualified borrowers. All applications are subject to credit approval and the final rate may vary based on several factors, including creditworthiness or collateral used at the time of application. Membership is required. Advertised rates are subject to change without notice.

[1]The ChoiceLine loan is designed to offer a ten-year Variable Rate Draw Period followed by a ten-year Fixed Rate Repayment Period, with the option to fix the rate on all or any portion of the account balance at any time during the Variable Rate Draw Period - see Predisclosure for details. Advertised rates are based on a maximum combined loan to value (CLTV) of 80%, the property is a primary residence and initial draw of $5,000 is taken. If the initial draw is under $5,000, standard closing costs will apply and the APR will increase relative to those applicable fees. Unique closing costs associated with your loan will not be covered (e.g., subordination agreements, lien releases, etc.) An appraisal, paid for by the borrower, may be required to determine the value of the property and is not a covered closing cost. ChoiceLine loans with a CLTV of up to 97% are also available at a higher rate. Property must be insured and located in Colorado. Consult a tax advisor for additional information regarding deductibility of interest.

*Variable rates are based on an index plus a margin and may change after account opening. The maximum APR for variable rate loans is 21%.

[2]Prime Rate as of 10/1/2018 is 5.25%. For loans that are tied to the Prime Rate, the index is the US Prime Rate identified in the Money Rates column of the Wall Street Journal. The APR can change monthly on the first day of the month based on the Prime Rate as of the last business day of the preceding month.

[3]The index for a deposit secured loan is the interest rate being paid on the account securing the loan at consummation. Deposit secured loans are not subject to a credit check and cannot be secured by a Smart Move CD, and any HSA or IRA Accounts (including savings, checking or CD).

Visa® Platinum Colorado Rewards Credit Card
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	0% Introductory APR for the first six months on purchases. After that, the Standard APR will range from 13.75% to 21% based on creditworthiness. This APR will vary with the market based on the Prime rate.
APR for Balance Transfers	3.99% Introductory APR for the first 12 months on any balance transfers that occur within the first 90 days of account opening. After that, the Standard APR will range from 13.75% to 21% based on creditworthiness. This APR will vary with the market based on the Prime rate.
APR for Cash Advances	21% 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	$0 fee on transfers made within the first 90 days of account opening. After that, 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) Up to 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.

Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you make a late payment.

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 .0362% per day to .0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 13.75% to 21%. The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage rate of 21%. 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 1/1/2019 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.

Earn 15,000 Bonus Points: After you spend $500 or more on purchases in the first 90 days from account opening. ”Purchases” do not include balance transfers; cash advances; quasi-cash transactions such as traveler’s checks, foreign currency, or money orders; returned merchandise; ATM transactions; any checks that access your account; overdraft advances; earned interest; unauthorized or fraudulent charges; betting that includes lottery tickets, casino gaming chips, off-track betting and wager; or fees of any kind, including an annual fee, if applicable. Bonus points will be added to your rewards points balance within 8 weeks from the end of the 90-day promotion. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Visa® Platinum Credit Card
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	0% Introductory APR for the first six months on purchases. After that, the Standard APR will range from 11.75% to 21% based on creditworthiness. This APR will vary with the market based on the Prime rate.
APR for Balance Transfers	1.99% Introductory APR for the first 12 months on any balance transfers that occur within the first 90 days of account opening. After that, the Standard APR will range from 11.75% to 21% based on creditworthiness. This APR will vary with the market based on the Prime rate.
APR for Cash Advances	21% 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	$0 fee on transfers made within the first 90 days of account opening. After that, 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) Up to 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.

Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you make a late payment.

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 .0307% per day to .0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 11.75% to 21%. The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage rate of 21%. 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 1/1/2019 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.

Category	Account Type	Interest Rate	APY *
Loans	Unsecured Line of Credit	8.00%	N/A
Loans	Vehicle Loan	6.99%	N/A
Loans	Prime Rate	5.50%
Loans	Floor Rate	3.75%

Category	Account Type	Interest Rate	APY *	Terms
Savings	Basic Business Savings Account	0.05%	0.05% **	$100 - or more
Savings	Business Money Market Account	0.20%	0.20% **	$0 - $50,000
Savings	Business Money Market Account	0.30%	0.30% **	$50,000.01 - $100,000
Savings	Business Money Market Account	0.40%	0.40% **	$100,000.01 - or more
Savings	Business Premier Money Market Account	0.10%	0.10% **	$0 - $9,999.99
Savings	Business Premier Money Market Account	0.20%	0.20% **	$10,000.01 - $24,999.99
Savings	Business Premier Money Market Account	0.20%	0.20% **	$25,000 - $49,999.99
Savings	Business Premier Money Market Account	0.35%	0.35% **	$50,000.00 - $99,999.99
Savings	Business Premier Money Market Account	0.45%	0.45% **	$100,000 - $249,999.99
Savings	Business Premier Money Market Account	0.50%	0.50% **	$250,000 - or more

Category	Account Type	Interest Rate	APY *	Terms
Business Services Credit Card	Annual Percentage Rate (APR) for purchases	N/A	N/A	As low as 12.24% variable
Business Services Credit Card	Other APRs	0.00%	0.00% **	Cash Advances: Same as Purchase
Business Services Credit Card	Grace Period	0.00%	0.00% **	25 days for the repayment of the balance for purchases
Business Services Credit Card	Method of computing the Balance for Purchases	0.00%	0.00% **	Average Daily Balance, Including new purchases
Business Services Credit Card	Annual Fee	0.00%	0.00% **	$0.00
Business Services Credit Card	Minimum Finance Charge	0.00%	0.00% **	$0.00
Business Services Credit Card	VISA Foreign Transaction Fee	0.00%	0.00% **	up to 1% of transaction amount

Category	Account Type	Interest Rate	APY *	Terms
Promotional Business Jumbo CD (Minimum $100,000)	Promotional Business Regular CD 17 Months (Minimum $10,000)	0.75%	0.75% **

Category	Account Type	Interest Rate	APY *
Business CDs (Minimum $500)	Business CD 3 months	1.59%	1.60% **
Business CDs (Minimum $500)	Business CD 6 months	1.98%	2.00% **
Business CDs (Minimum $500)	Business CD 12 months	2.37%	2.40% **
Business CDs (Minimum $500)	Business CD 24 months	2.62%	2.65% **
Business CDs (Minimum $500)	Business CD 36 months	2.72%	2.75% **
Business CDs (Minimum $500)	Business CD 60 months	2.81%	2.85% **

Rates Effective: 1/1/2019

*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.

Account Type	Balance Requirements	Interest 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 - $24,999.99	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%

Account Type	Balance Requirements	Interest Rate	APY *
Boost Interest Checking	$0 - $25,000.00	2.23%	2.25% **
Boost Interest Checking	$25,000.01 or more	0.25%	0.25% **
Boost Interest Checking	Requirements not met	0.05%	0.05%

Rates Effective: 1/1/2019

*APY = Annual Percentage Yield. Dividend rates and APY are subject to change without notice.

**Annual Percentage Yield (APY) is accurate as of 5/1/2018. If requirements are met each month, 2.25% APY applies to balances up to and including $25,000, and 0.25% APY applies to balances in excess of $25,000. If requirements are not met in any particular month, the 0.05% APY applies to all balances. Visit BellcoBoost.com for more details on requirements. The interest rate may change after the account is opened. Membership eligibility required.

Account Type	Balance Requirements	Interest Rate	APY *
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%

Account Type	Balance Requirements	Interest Rate	APY *	Terms
HSA CD	12 months	2.37%	2.40% **	$500 minimum opening balance
HSA CD	24 months	2.62%	2.65% **	$500 minimum opening balance
HSA CD	36 months	2.72%	2.75% **	$500 minimum opening balance
HSA CD	60 months	2.81%	2.85% **	$500 minimum opening balance

Rates Effective: 1/1/2019

*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.

Regular CDs	Interest Rate	APY *	Opening Account Balance
3 Months	1.59%	1.60% **	Minimum $500
6 Months	1.98%	2.00% **	Minimum $500
12 Months	2.37%	2.40% **	Minimum $500
24 Months	2.62%	2.65% **	Minimum $500
36 Months	2.72%	2.75% **	Minimum $500
60 Months	2.81%	2.85% **	Minimum $500

Smart Move CD	Interest Rate	APY *	Opening Account Balance
18 Months	2.23%	2.25% **	$2,500 minimum opening balance
24 Months	2.37%	2.40% **	$2,500 minimum opening balance
30 Months	2.47%	2.50% **	$2,500 minimum opening balance
36 Months	2.57%	2.60% **	$2,500 minimum opening balance

Jumbo CDs	Interest Rate	APY *	Opening Account Balance
6 months	2.08%	2.10% **	$100,000 or more
12 Months	2.47%	2.50% **	$100,000 or more

Youth CD	Interest Rate	APY *	Opening Account Balance
12 Months	2.37%	2.40% **	Minimum $50

Rates Effective: 1/1/2019

*APY = Annual Percentage Yield

**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 CD’s. 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.

Account Type	Balance Requirements	Interest Rate	APY *	Terms
IRA & Coverdell Account	$0 - $10,000	0.25%	0.25% **	Minimum $5
IRA & Coverdell Account	$10,000.01 - $25,000	0.35%	0.35% **	Minimum $5
IRA & Coverdell Account	$25,000.01 - $50,000	0.60%	0.60% **	Minimum $5
IRA & Coverdell Account	$50,000.01 - $100,000	0.70%	0.70% **	Minimum $5
IRA & Coverdell Account	$100,000.01 or more	0.80%	0.80% **	Minimum $5

Account Type	Balance Requirements	Interest Rate	APY *	Terms
IRA & Coverdell CDs	3 months	1.59%	1.60% **	Minimum $500
IRA & Coverdell CDs	6 months	1.98%	2.00% **	Minimum $500
IRA & Coverdell CDs	12 months	2.37%	2.40% **	Minimum $500
IRA & Coverdell CDs	24 months	2.62%	2.65% **	Minimum $500
IRA & Coverdell CDs	36 months	2.72%	2.75% **	Minimum $500
IRA & Coverdell CDs	60 months	2.81%	2.85% **	Minimum $500

Rates Effective: 1/1/2019

*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.

Account Type	Balance Requirements	Interest Rate	APY *
Premier Money Market Account	$0 - $9,999.99	0.10%	0.10% **
Premier Money Market Account	$10,000 - $24,999.99	0.25%	0.25% **
Premier Money Market Account	$25,000 - $49,999.99	0.30%	0.30% **
Premier Money Market Account	$50,000 - $99,999.99	0.40%	0.40% **
Premier Money Market Account	$100,000 - $249,999.99	1.00%	1.00% **
Premier Money Market Account	$250,000 or more	1.24%	1.25% **

Account Type	Balance Requirements	Interest Rate	APY *
Member Money Market Account	$0 - $999.99	0.01%	0.01% **
Member Money Market Account	$1,000 - $9,999.99	0.10%	0.10% **
Member Money Market Account	$10,000 - $24,999.99	0.15%	0.15% **
Member Money Market Account	$25,000 or more	0.15%	0.15% **

Account Type	Balance Requirements	Interest Rate	APY *
Savings Account	$25.01 & above	0.10%	0.10% **

Account Type	Balance Requirements	Interest Rate	APY *
Christmas Club Account	Minimum: $5	0.10%	0.10% **

Account Type	Balance Requirements	Interest Rate	APY *
Youth Savings	$1.00 - $500	1.98%	2.00% **
Youth Savings	$500.01 or more	0.50%	0.50% **

Account Type	Balance Requirements	Interest Rate	APY *
Surprise Savings	$0.01 & above	0.10%	0.10% **

Rates Effective: 1/1/2019

*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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