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.

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 11/1/2019 is 4.75%. 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).

**APY=Annual Percentage Yield.The interest rate and APY may change after the account is opened. 2.25% APY applies to balances up to and including $25,000. For balances in excess of $25,000, the APY may range from 2.25% to 0.25%. 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.

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 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 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 Regular CDs. Early withdrawal penalties apply. Fees may reduce earnings on the account.

**APY=Annual Percentage Yield. The interest rate and 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 for Smart Move CD may change after issuance if the bump-up option is used. Early withdrawal penalties apply. Fees may reduce earnings on the account.

**APY=Annual Percentage Yield. The interest rate and 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 Jumbo CDs. Early withdrawal penalties apply. Fees may reduce earnings on the account.

**APY=Annual Percentage Yield. The interest rate and 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 Youth CDs. Early withdrawal penalties apply. Fees may reduce earnings on the account.

*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.

*APY = Annual Percentage Yield

**The interest 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 interest rates and annual percentage yield (APY) are fixed. Early withdrawal penalties apply, read more.

IRA earnings could be reduced if fees are added.

*APY = Annual Percentage Yield

**The interest 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 interest rates and annual percentage yield (APY) are fixed. Early withdrawal penalties apply, read more.

IRA earnings could be reduced if fees are added.

*APY = Annual Percentage Yield

**The interest 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 interest rates and annual percentage yield (APY) are fixed. Early withdrawal penalties apply, read more.

IRA earnings could be reduced if fees are added.

*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.

*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.

*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.

*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.

*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.

*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.

*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.

*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.