Rates

APY = Annual Percentage Yield

Rates effective as of March 21, 2017 and are subject to change.

Fees may reduce earnings.

Kasasa Cash*

ProductRateAPY
Up to $10,000 2.00% 2.00%
Balances over $10,000 0.25% 2.00% to 0.41%
Qualifications not met 0.05% 0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Home Equity Loans

ProductTermRate

70% Loan to Value

or Lower

1 To 36 Months as low as 2.99%
37 To 60 Months as low as 3.24%
61 To 84 Months as low as 3.49%
85 To 120 Months as low as 3.74%
121 To 180 Months  as low as 3.99%

70.01% to 75%

Loan to Value 

1 To 36 Months as low as 3.24%
37 To 60 Months as low as 3.49%
61 To 84 Months as low as 3.74%
85 To 120 Months as low as 3.99%
121 To 180 Months as low as 4.24%

75.01% to 80%

Loan to Value

1 To 36 Months as low as 3.49%
37 To 60 Months as low as 3.74%
61 To 84 Months as low as 3.99%
85 To 120 Months as low as 4.24%
121 To 180 Months as low as 4.49%

80.01% to 85%

Loan to Value

1 To 36 Months as low as 3.74%
37 To 60 Months as low as 3.99%
61 To 84 Months as low as 4.24%
85 To 120 Months as low as 4.49%
121 To 180 Months as low as 4.74%

Bellco Federal Credit Union offers Fixed Rate Home Equity Loans and Home Equity Lines of Credit. Rates are subject to change and may be higher for second lien positions. Please call 610.373.5192 to schedule an appointment with one of our loan representatives to discuss Home Equity Loan options.

HELOC

ProductTermRate
Up To 80% LTV Revolving as low as 3.99%
80.01% - 85% LTV Revolving as low as 4.24%

Your variable rate may vary depending upon your individual credit score. Rates are subject to change and may be higher for second lien positions. 

First Mortgage Loans (Up to 30 Years)

ProductTermRate
10 Year Conventional Fixed Mortgage Loan 0 Points 120 Months 3.375%
10 Year Conventional Fixed Mortgage Loan 3 Points 120 Months 3.000%
15 Year Conventional Fixed Mortgage Loan 0 Points 180 Months 3.500%
15 Year Conventional Fixed Mortgage Loan 3 Points 180 Months 3.000%
20 Year Conventional Fixed Mortgage Loan 0 Points 240 Months 4.000%
20 Year Conventional Fixed Mortgage Loan 3 Points 240 Months 3.625%
30 Year Conventional Fixed Mortgage Loan 0 Points 360 Months 4.250%
30 Year Conventional Fixed Mortgage Loan 3 Points 360 Months 3.875%

Interest rates shown are for conventional fixed mortgage loans. Rates may change daily, are subject to change without prior notice, and apply to loans up to Fannie Mae's conventional mortgage loan limits. Payment example: 360 monthly payments at 5.250% APR with no insurance produces a payment of $5.53 per $1,000.00 borrowed. Please contact us for current interest rate information, mortgage loan limits, a fee schedule or down payment requirements at 610-373-5192, option 4.

New Vehicle, Motorcycle Loans

TermRate
01 - 36 Months as low as 2.24%
37 - 75 Months as low as 3.24%
76 - 84 Months as low as 4.24%

Used Vehicle, Motorcycle Loans (2010 or newer)

TermRate
01 - 36 Months as low as 2.99%
37 - 75 Months as low as 3.49%
76 - 84 Months as low as 5.49%

Vehicles older than 2010 are subject to case by case review. Please inquire about older vehicle rates at (610) 373-5192.

New & Used Recreational Vehicles (2010 or Newer)

TermRate
01 - 36 Months as low as 3.99%
37 - 72 Months as low as 4.99%
73 - 84 Months

as low as 6.99%

Student Choice Private Student Loans

Minimum (Annually)TermRate
$1,000; Cost of attendance less other financial aid received. Maximum (throughout college career): $50,000. The Student Choice Private Student Loan is a Line of Credit Loan; co-signer required. 20 years if balance is < $40,000 25 years if balance is > $40,000 as low as 6.50%

Personal Loans

MaximumTermRate
$20,000.00 0 - 60 Months as low as 8.99%

Seasonal Loans (Vacation & Holiday Loans)

MaximumTermRate
$2,000.00 0 - 12 Months as low as 6.99%

Savings and Club Accounts

ProductAPY
Regular Savings Account 0.05%
Vacation Club Account

(Funds can be withdrawn at any time without incurring a fee)

0.10%
Christmas Club Account

(Funds automatically transfer to member's savings account in October; Penalties apply for early withdrawal.)

0.25%

Share Certificates (Minimum Deposit of $500)

TermDividend RateAPY
6 Months 0.25% 0.25%
12 Months (1 Year) 0.40% 0.40%
24 Months (2 Years) 0.75% 0.75%
36 Months (3 Years) 0.90% 0.90%
48 Months (4 Years) 1.19% 1.20%
60 Months (5 Years) 1.59% 1.60%

Share Certificates (Minimum Deposit of $25,000)

TermDividend RateAPY
12 Months (1 Year) 0.40% 0.40%
24 Months (2 Years) 0.75% 0.75%
36 Months (3 Years) 0.90% 0.90%
48 Months (4 Years) 1.19% 1.20%
60 Months (5 Years) 1.59% 1.60%

Penalties apply for early withdrawal.

Bellco Student CD

TermDividend RateAPY
60 Months (5 Years) 1.83% 1.85%

Minimum Deposit of $100. $3,000 Maximum.

IRAs (Individual Retirement Accounts)

Dividend RateAPY
0.15% 0.15%

All IRA Certificate of Deposits are at the same rates/terms/minimum deposit requirements as our regular Certificate of Deposits. Penalties apply for early withdrawal.

Money Market Accounts

TermDividend RateAPY
$2,000 - $19,999.99 0.15% 0.15%
$20,000 - $49,999.99 0.15% 0.15%
$50,000 + 0.15% 0.15%