Rates & Calculators

Rates accurate as of: December 13, 2024

Rates

Auto Rates

Vehicle Type APR
Auto 5.74% APR*
Motorcycle (Street Legal) 10.14% APR*
Recreational Vehicles (RVs) 9.49% APR*

*The Annual Percentage Rate (APR) provided above is for well qualified borrowers. The stated APR only applies to auto loans originated in Colorado. 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.

Loan Rates

Loan APR Terms and Conditions

ChoiceLine [1] – Variable

7.99%* [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 Colorado residence.
Minimum payment of $50 (Draw Period and Repayment Period).
Floor rate is 3.75%

ChoiceLine [1] – Fixed

8.49%

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 0.25% for loans in junior lien position.

Personal Line of Credit – Variable

17.40%* [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.

Personal Loan – Fixed

10.99%

Up to 60 months.
Minimum payment of $25.
Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.

Share-secured Loan – Fixed

2.50% [3] plus the interest rate paid on the Savings account APR

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 $3.36 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 $9.32 per $500 borrowed.

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 December 1, 2024 is 7.75%. 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).

Boost Interest Checking

Balance Requirement APY Interest Rate
$0 – $25,000 4.50%* 4.41%
$25,000.01+ 0.25% – 4.50%* 0.25% – 4.41%
Requirements not met 0.05% 0.05%

Platinum Checking

Balance Requirement APY Interest Rate
$0-$2,499.99 0.03% 0.03%
$2,500-$4,999.99 0.03% 0.03%
$5,000-$9,999.99 0.03% 0.03%
$10,000-$24,999.99 0.05% 0.05%
$25,000-$49,999.99 0.10% 0.10%
$50,000+ 0.15% 0.15%

HSA Checking

Balance Requirement APY Interest Rate
$0-$499.99 0.05% 0.05%
$500.00-$2,499.99 0.10% 0.10%
$2500.00-$9,999.99 0.15% 0.15%
$10,000-$24,999.99 0.15% 0.15%
$25,000+ 0.20% 0.20%

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.

Promotional CD

Term APY Interest Rate Minimum Account Balance
13 Months 4.00%1 3.93% $500
17 Months 3.60%1 3.54% $500

Traditional CD

Term APY Interest Rate Minimum Account Balance
3 Months 2.75%* 2.72% $500
6 Months 4.75%* 4.65% $500
12 Months 4.00%* 3.93% $500
24 Months 3.60%* 3.54% $500
36 Months 3.40%* 3.35% $500
60 Months 3.40%* 3.35% $500

Jumbo CD

Term APY Interest Rate Minimum Account Balance
6 Months 4.75%* 4.65% $100,000
12 Months 4.00%* 3.93% $100,000

Smart Move CD

Term APY Interest Rate Minimum Opening Account Balance Minimum Balance to Earn Interest
18 Months 2.40%* 2.37% $2,500 $1,000
24 Months 3.40%* 3.35% $2,500 $1,000
30 Months 3.40%* 3.35% $2,500 $1,000
36 Months 3.15%* 3.11% $2,500 $1,000

Youth CD

Term APY Interest Rate Minimum Account Balance
12 Months 4.00%* 3.93% $50

HSA CD

Term APY Interest Rate Minimum Account Balance
12 Months 4.00%* 3.93% $500
24 Months 3.60%* 3.54% $500
36 Months 3.40%* 3.35% $500
60 Months 3.40%* 3.35% $500

*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 all CD products, except rates and APY on Smart Move CDs may change after issuance if the bump-up option is used. Early withdrawal penalties apply. Fees may reduce earnings on the account.

 

1 Annual Percentage Yield (APY) is effective as of 10/1/2024. The minimum balance to open any of the CD’s mentioned above and earn the advertised APY is $500. This APY is fixed for the above stated terms assuming the account balance remains above the minimum for the full term of the CD. A penalty may be imposed for early withdrawals. Fees may reduce earnings. 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. Rates apply to consumer CD accounts only. Rate subject to change without notice. Membership eligibility is required.

IRA & Coverdell Account

Balance Requirement APY Interest Rate
$0-$10,000 2.50%* 2.47%
$10,000.01-$25,000 2.95%* 2.91%
$25,000.01-$50,000 2.95%* 2.91%
$50,000.01-$100,000 3.50%* 3.44%
$100,000.01+ 3.50%* 3.44%

IRA & Coverdell CDs

Term APY Interest Rate Account Balance
3 Months 2.75%* 2.72% $500 Minimum
6 Months 4.75%* 4.65% $500 Minimum
12 Months 4.00%* 3.93% $500 Minimum
24 Months 3.60%* 3.54% $500 Minimum
36 Months 3.40%* 3.35% $500 Minimum
60 Months 3.40%* 3.35% $500 Minimum

IRA & Coverdell Jumbo CDs

Term APY Interest Rate
6 Months 4.75%* 4.65%
12 Months 4.00%* 3.93%

*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.

Premier Money Market Account

Min. Opening/Account Balance Balance Tier APY Interest Rate
$10,000 $0-$9,999.991 0.00%* 0.00%
$10,000-$49,999.99 2.95%* 2.91%
$50,000+ 3.50%* 3.44%

Member Money Market Account

Min. Opening/Account Balance Balance Tier APY Interest Rate
$1,000 $0-$999.991 0.00%* 0.00%
$1,000-$9,999.99 3.10%* 3.05%
$10,000-$24,999.99 3.45%* 3.39%
$25,000+ 3.45%* 3.39%

Savings Account

Savings Type Balance Tier APY Interest Rate
Savings Account $25.01+ 0.10%* 0.10%
Youth Savings $0.01-$1,000 3.50%** 3.45%
$1,000.01+ 3.50%-0.50%** 3.45%-0.50%

HSA

Balance Tier APY Interest Rate
$0-$10,000 2.50%* 2.47%
$10,000.01-$25,000 2.95%* 2.91%
$25,000.01-$50,000 2.95%* 2.91%
$50,000.01-$100,000 3.50%* 3.44%
$100,000.01+ 3.50%* 3.44%

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

 

*The Annual Percentage Yield (APY) and dividend rates are subject to change without notice. Account earnings could be reduced if fees are added.

 

**The APY for Youth Savings  is 3.50% for balances up to and including $1,000.00. For balances in excess of $1,000.00, the APY may range from 3.50% to 0.50%. The APY may change after the account is opened. Fees may reduce earnings on the account.

Business Loans

Loan Type Interest Rate
Unsecured Line of Credit 10.50%
Prime Rate 7.75%
Floor Rate 3.75%

Business Savings

Business Savings Type Balance Requirement Interest Rate
Basic Business Savings Account $100 – or more 0.05%
Business Money Market Account $0-$50,000 2.50%
$50,000.01-$100,000 3.50%
$100,000.01 – or more 3.50%
Business Premier Money Market Account $0-$9,999.99 0.00%
$10,000.01-$24,999.99 2.95%
$25,000-$49,999.99 2.95%
$50,000-$99,999.99 3.50%
$100,000-$249,999.99 3.50%
$250,000 – or more 3.50%

Business CDs

Term APY Interest Rate Minimum Account Balance
3 Months 2.75%* 2.72% $500
6 Months 4.75%* 4.65% $500
12 Months 4.00%* 3.93% $500
24 Months 3.60%* 3.54% $500
36 Months 3.40%* 3.35% $500
60 Months 3.40%* 3.35% $500

*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.

Home Loans

Home Equity ChoiceLine Calculators

Auto Loans