| Account Type | APR |
| Auto New | 3.75% (*) |
| Auto Used | 3.75% (*) |
| Motorcycle (Street Legal) | 6.39% |
| Recreational Vehicles (RVs and Boats) | 10.99% |
Rates Effective: 4/1/2018
APR is the Annual Percentage Rate. All loans are subject to approval, and final rate may vary based on several factors, including personal credit history and term of loan. Advertised rates are subject to change without notice. Membership at Bellco Credit Union is required.
Rates Effective: 8/1/2017
Effective: April 23, 2018
|
| Product | Rate | Points | APR * | Monthly Mortgage Payment |
| 10 Year Fixed | 4.375% | 0.000 | 4.810% | $1,803 |
| 15 Year Fixed | 4.375% | 0.000 | 4.678% | $1,328 |
| 20 Year Fixed | 4.500% | 0.000 | 4.738% | $1,107 |
| 30 Year Fixed | 4.750% | 0.000 | 4.926% | $913 |
| 15 Year Jumbo | 4.875% | 0.000 | 5.182% | $4,510 |
| 30 Year Jumbo | 5.000% | 0.000 | 5.178% | $3,087 |
| 1 Year ARM | 5.000% | 0.000 | 4.434% | $939 |
| 3 Year ARM | 4.750% | 0.000 | 4.422% | $913 |
| 5 Year ARM | 4.500% | 0.000 | 4.513% | $887 |
| 7 Year ARM | 4.625% | 0.000 | 4.605% | $900 |
| 10 Year ARM | 4.875% | 0.000 | 4.822% | $926 |
| 3 Year Jumbo ARM | 4.625% | 0.000 | 4.509% | $2,956 |
| 5 Year Jumbo ARM | 4.500% | 0.000 | 4.513% | $2,913 |
| 7 Year Jumbo ARM | 4.500% | 0.000 | 4.543% | $2,913 |
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: 8/1/2017
| Product | APRƗ as low as | Terms and Conditions |
| ChoiceLine[1] – Variable | 5.25% *[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 | 5.50% | - 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
|
| Line of Credit – Variable | 14.40% *[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: 4/1/2018
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%. 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 2/1/2018 is 4.50%. 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).
Rates Effective: 8/1/2017
|
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 13.00% 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 13.00% 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.
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.
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 .0355% per day to .0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 13.00% 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 4/1/2018 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 for the first six months on purchases. After that, the Standard APR will range from 11.00% 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 11.00% 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 .0301% per day to .0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 11.00% 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 4/1/2018 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: 8/1/2017
| Category | Account Type | Interest Rate | APY * | Terms |
| Loans | Unsecured Line of Credit | 7.00% | N/A | |
| Loans | Vehicle Loan | 6.99% | N/A | |
| Loans | Prime Rate | 4.75% | | |
| 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 10.99% 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 * | Terms |
| Business CDs (Minimum $500) | Business CD 3 months | 0.15% | 0.15% ** | |
| Business CDs (Minimum $500) | Business CD 6 months | 0.25% | 0.25% ** | |
| Business CDs (Minimum $500) | Business CD 12 months | 0.40% | 0.40% ** | |
| Business CDs (Minimum $500) | Business CD 24 months | 0.50% | 0.50% ** | |
| Business CDs (Minimum $500) | Business CD 36 months | 1.00% | 1.00% ** | |
| Business CDs (Minimum $500) | Business CD 60 months | 1.49% | 1.50% ** | |
Rates Effective: 4/1/2018
*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: 8/1/2017
| 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: 4/1/2018
*APY = Annual Percentage Yield. Dividend rates and APY are subject to change without notice.
**Annual Percentage Yield (APY) is accurate as of 3/31/2016. 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.
Rates Effective: 8/1/2017
| Account Type | Balance Requirements | Interest 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% | |
| Account Type | Balance Requirements | Interest Rate | APY * | Terms |
| HSA CD | 12 months | 1.74% | 1.75% ** | $500 minimum opening balance |
| HSA CD | 24 months | 1.98% | 2.00% ** | $500 minimum opening balance |
| HSA CD | 36 months | 2.13% | 2.15% ** | $500 minimum opening balance |
| HSA CD | 60 months | 2.23% | 2.25% ** | $500 minimum opening balance |
Rates Effective: 4/1/2018
*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: 8/1/2017
| Regular CDs | Interest Rate | APY * | Opening Account Balance |
| 3 Months | 0.75% | 0.75% ** | Minimum $500 |
| 6 Months | 1.00% | 1.00% ** | Minimum $500 |
| 12 Months | 1.74% | 1.75% ** | Minimum $500 |
| 24 Months | 1.98% | 2.00% ** | Minimum $500 |
| 36 Months | 2.13% | 2.15% ** | Minimum $500 |
| 60 Months | 2.23% | 2.25% ** | Minimum $500 |
| Smart Move CD | Interest Rate | APY * | Opening Account Balance |
| 18 Months | 1.34% | 1.35% ** | $2,500 minimum opening balance |
| 24 Months | 1.44% | 1.45% ** | $2,500 minimum opening balance |
| 30 Months | 1.59% | 1.60% ** | $2,500 minimum opening balance |
| 36 Months | 1.69% | 1.70% ** | $2,500 minimum opening balance |
| Jumbo CDs | Interest Rate | APY * | Opening Account Balance |
| 6 months | 1.09% | 1.10% ** | $100,000 or more |
| 12 Months | 1.83% | 1.85% ** | $100,000 or more |
| Youth CD | Interest Rate | APY * | Opening Account Balance |
| 12 Months | 1.74% | 1.75% ** | Minimum $50 |
Rates Effective: 4/1/2018
*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.
Rates Effective: 8/1/2017
| 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 | 0.75% | 0.75% ** | Minimum $500 |
| IRA & Coverdell CDs | 6 months | 1.00% | 1.00% ** | Minimum $500 |
| IRA & Coverdell CDs | 12 months | 1.74% | 1.75% ** | Minimum $500 |
| IRA & Coverdell CDs | 24 months | 1.98% | 2.00% ** | Minimum $500 |
| IRA & Coverdell CDs | 36 months | 2.13% | 2.15% ** | Minimum $500 |
| IRA & Coverdell CDs | 60 months | 2.23% | 2.25% ** | Minimum $500 |
Rates Effective: 4/1/2018
*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: 8/1/2017
| 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 | 0.15% | 0.15% ** |
| Premier Money Market Account | $25,000 - $49,999.99 | 0.20% | 0.20% ** |
| Premier Money Market Account | $50,000 - $99,999.99 | 0.30% | 0.30% ** |
| Premier Money Market Account | $100,000 - $249,999.99 | 0.40% | 0.40% ** |
| Premier Money Market Account | $250,000 or more | 0.50% | 0.50% ** |
| 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: 4/1/2018
*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.
Rates Effective: 8/1/2017