Ɨ Annual 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 take advances during the Draw Period and fix the rate and set the repayment term for this Fixed Rate Subaccount – see Predisclosure for details. Advertised rates are based on the maximum combined loan to value (CLTV) of 80%, the property is a primary residence and an initial draw of at least $5,000 is taken at closing. If the initial draw at closing is less than $5,000, standard closing costs will apply and the APR will increase relative to those applicable costs. Unique closing costs associated with the 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 90% are also available at a higher rate. Property used to secure the loan must be insured, owner occupied (primary or second home), 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 July 1, 2025 is 7.50%. 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. Deposit secured loans cannot be secured by a Smart Move CD, and any HSA or IRA Accounts (including savings, checking or CD).

APY=Annual Percentage Yield. The interest rate may change after the account is opened. Rates are subject to change without notice. Membership eligibility required.

*APY=Annual Percentage Yield. The interest rate and APY may change after the account is opened. 4.50% APY applies to balances up to and including $25,000. For balances in excess of $25,000, the APY may range from 0.25% to 4.50%. Fees may reduce earnings on the account. Please speak to a Bellco representative for information about additional requirements necessary to earn the stated APY. Membership eligibility required.

*Annual Percentage Yield (APY) and interest rate are effective as of the date listed above and are subject to change without notice at any time prior to the issuance of the certificate.  After the point of issuance, APY and interest rate are fixed for all CD products, except when you elect to “bump-up” the rate on the Smart Move CD.  Early withdrawal penalties may apply.  Fees or a withdrawal may reduce earnings on the account.  Rates apply to consumer CD accounts only.  Membership eligibility applies.

¹ After maturity, if you choose to renew your CD, the 17-month and 13-month CD will automatically revert to a 12-month Traditional CD. You will earn the base rate of interest in effect at that time for the applicable CD term.

² You may make one additional deposit of at least $100 during the term of the account. You are permitted to make a one-time withdrawal during the account term without penalty but the balance cannot be less than $1,000.00. You may elect to adjust, “bump up”, the interest rate to the rate currently offered for the same type certificate account once during the original term of the account.

³ You may make additional deposits of $25 or more during the term. There must be at least one owner under 25 years of age. Persons under the age of 18 must have an adult owner on the account. Account will convert to a Traditional CD account when the CD term ends or when the youngest owner on the account turns 25 years of age, whichever comes last.

*Annual Percentage Yield (APY) and interest rate are accurate as of the date listed above and are subject to change without notice at any time prior to account opening.  Fees or withdrawals could reduce earnings on the account. Rates apply to consumer accounts only.  Membership eligibility applies.

¹ APY and interest rate may change after account is opened.

² After the point of issuance, APY and interest rate are fixed.  Early withdrawal penalties may apply.

* Annual Percentage Yield (APY) and interest rates are accurate as of the date listed above and are subject to change without notice.  Account earnings could be reduced if fees are added.  APY and interest rate may change after account is opened. Rates apply to consumer accounts only.  Membership eligibility applies.

¹ If the daily balance drops below the minimum balance requirement for Member or Premier Money Market accounts, it will be subject to a $10 Money Market Balance Fee assessed on a monthly basis.

² There must be at least one owner on the account under the age of 25.  Owner under the age of 18 requires an adult owner on the account.  Account will convert to a savings account when the youngest owner turns 25 years of age.

*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.