Rates & Calculators

Home Rates & Calculators

Rates accurate as of: August 14, 2022

Rates

Auto Rates

Vehicle Type APR
Auto 3.99% APR*
Motorcycle (Street Legal) 7.64% APR*
Recreational Vehicles (RVs) 6.99% 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

5.74%* [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

6.24%

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

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.

Personal Loan – Fixed

6.99%

Up to 60 months.
Minimum payment of $25.
Payment example for 60-month loan @ 4.99% APR: 60 payments of $9.43 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 $10.15 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 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 August 1, 2022 is 5.50%. 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).

Boost Interest Checking

Balance Requirement APY Interest Rate
$0 – $25,000 2.25%* 2.23%
$25,000.01+ 0.25% – 2.25%* 0.23% – 2.23%
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. 2.25% 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 2.25%. 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.

Traditional CD

Term APY Interest Rate
3 Months 0.25%* 0.25%
6 Months 0.75%* 0.75%
12 Months 1.15%* 1.14%
24 Months 1.50%* 1.49%
36 Months 1.75%* 1.74%
60 Months 1.90%* 1.88%

Jumbo CD

Term APY Interest Rate
6 Months 0.75%* 0.75%
12 Months 1.25%* 1.24%

Smart Move CD

Term APY Interest Rate
18 Months 1.15%* 1.14%
24 Months 1.40%* 1.39%
30 Months 1.40%* 1.39%
36 Months 1.65%* 1.64%

Youth CD

Term APY Interest Rate
12 Months 1.15%* 1.14%

HSA CD

Term APY Interest Rate
12 Months 1.15%* 1.14%
24 Months 1.50%* 1.49%
36 Months 1.75%* 1.74%
60 Months 1.90%* 1.88%

*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.

IRA & Coverdell Account

Balance Requirement APY Interest Rate
$0-$10,000 0.10%* 0.10%
$10,000.01-$25,000 0.45%* 0.45%
$25,000.01-$50,000 0.45%* 0.45%
$50,000.01-$100,000 1.00%* 1.00%
$100,000.01+ 1.00%* 1.00%

IRA & Coverdell CDs

Term APY Interest Rate Account Balance
3 Months 0.25%* 0.25% $500 Minimum
6 Months 0.75%* 0.75% $500 Minimum
12 Months 1.15%* 1.14% $500 Minimum
24 Months 1.50%* 1.49% $500 Minimum
36 Months 1.75%* 1.74% $500 Minimum
60 Months 1.90%* 1.88% $500 Minimum

IRA & Coverdell Jumbo CDs

Term APY Interest Rate
6 Months 0.75%* 0.75%
12 Months 1.25%* 1.24%

*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 Accounts

Balance Requirement APY Interest Rate
$0-$9,999.99 0.10%* 0.10%
$10,000-$49,999.99 0.45%* 0.45%
$50,000+ 1.00%* 1.00%

Member Money Market Account

Balance Requirement APY Interest Rate
$0-$999.99 0.01%* 0.01%
$1,000-$9,999.99 0.10%* 0.10%
$10,000-$24,999.99 0.45%* 0.45%
$25,000+ 0.45%* 0.45%

Savings Account

Savings Type Balance Requirement APY Interest Rate
Savings Account $25.01+ 0.10%* 0.10%
Youth Savings $0.01-$500 2.00%* 1.98%
$500.01+ 2.00%-0.50%* 1.98%-0.50%

HSA

Balance Requirement APY Interest Rate
$0-$10,000 0.10%* 0.10%
$10,000.01-$25,000 0.45%* 0.45%
$25,000.01-$50,000 0.45%* 0.45%
$50,000.01-$100,000 1.00%* 1.00%
$100,000.01+ 1.00%* 1.00%

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

 

The APY for Youth Savings  is 2.00% for balances up to and including $500.00. For balances in excess of $500.00, the APY may range from 2.00% 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 8.25%
Prime Rate 5.50%
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 0.20%
$50,000.01-$100,000 1.00%
$100,00.01 – or more 1.00%
Business Premier Money Market Account $0-$9,999.99 0.10%
$10,000.01-$24,999.99 0.45%
$25,000-$49,999.99 0.45%
$50,000-$99,999.99 1.00%
$100,000-$249,999.99 1.00%
$250,000 – or more 1.00%

Business CDs

Term APY Interest Rate Minimum Account Balance
3 Months 0.25%* 0.25% $500
6 Months 0.75%* 0.75% $500
12 Months 1.15%* 1.14% $500
24 Months 1.50%* 1.49% $500
36 Months 1.75%* 1.74% $500
60 Months 1.90%** 1.88% $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.

Calculators