Current Rates

Loans

Loans Rate APR* starting at Term  
2016 & Newer Auto/Motorcycle .99% 24 Calculator
2016 & Newer Auto/Motorcycle 1.49% 36 Calculator
2016 & Newer Auto/Motorcycle 1.99% 48  Calculator
2016 & Newer Auto/Motorcycle 2.49% 60  Calculator
2016 & Newer Auto/Motorcycle 2.99% 72 Calculator
2016 & Newer Auto/Motorcycle 3.49% 84 Calculator
2007-2015 Auto/Motorcycle 1.99% 24 Calculator
2007-2015 Auto/Motorcycle 2.49% 36 Calculator
2007-2015 Auto/Motorcycle 2.99% 48 Calculator
2007-2015 Auto/Motorcycle 3.49% 60 Calculator
2007-2015 Auto/Motorcycle 3.99% 72 Calculator
New RV Loans 2016 and Newer      
   $3,000 or less 7.74% 24 Calculator
   $3,001 or more 7.74% 36 Calculator
   $6,000 or more 7.74% 48 Calculator
   $10,000 or more 7.99% 60 Calculator
   $12,000 or more 7.99% 72 Calculator
   $15,000 or more 8.49% 84 Calculator
   $25,000 or more 8.49% 120 Calculator
   $35,000 or more 9.24% 180 Calculator
New RV Loans 2016 and Newer      
   $3,000 or less 8.74% 24 Calculator
   $3,001 or more 8.74% 36 Calculator
   $6,000 or more 8.74% 48 Calculator
   $10,000 or more 8.74% 60 Calculator
   $12,000 or more 8.99% 72 Calculator
   $15,000 or more 8.99% 84 Calculator
   $25,000 or more 9.49% 120 Calculator
   $35,000 or more 10.24% 180 Calculator
*APR=Annual Percentage Rate. Rates quoted include a .25% deduction for automatic payment from a Belco account and LTV up to 100%. Rate may differ depending upon credit worthiness, LTV, loan amount, and term of loan. Rates are subject to change at any time without prior notice. New vehicle rates apply to vehicles with 15,000 or fewer miles. Refinance of a Belco account requires a minimum of $5,000 in new money.      
Other Secured 1-24 Months 4.50% 24  Calculator
Other Secured 25-60 Months 5.00% 60  Calculator
Other Secured 61-84 Months 5.75% 84  Calculator
Other Secured 85-120 Months 8.00% 120  Calculator
Other Secured 121-144 Months 8.25% 144  Calculator
Share Secured-100% Share Savings Plus 3% 3.15% 60  Calculator
Home Equity Loans – Closed End/Fixed 3.99% 60  Calculator
Home Equity Loans – Closed End/Fixed 3.99% Promo Rate+ 84  Calculator
Home Equity Loans – Closed End/Fixed 3.99% Promo Rate+ 120  Calculator
Home Equity Loans – Closed End/Fixed 4.49%  144  Calculator
Home Equity Loans – Closed End/Fixed 4.49%  180  Calculator

*Rates quoted include a .25% deduction for automatic payment from a Belco account and a loan to value ratio (LTV) of <=80% and member payment of processing costs. You may also qualify for an additional 0.25% deduction for enrollment in a qualifying product package. Minimum $5,000 new money required if refinancing an existing Belco loan. Rate may differ depending on credit worthiness, LTV, loan amount, and term of loan. Rates are subject to change at any time without prior notice.

+Promotional rates valid for a limited time only.

     
Home Equity Line-of-Credit      
Loan to Value up to 80% Starting as low as 4.oo%++ 240 Calculator
Loan to Value up to 90% Starting as low as 5.25%++ 240  Calculator
++Variable rate subject to change quarterly. Variable rate portion of HELOC is based on the Wall Street Journal Prime Lending rate plus a margin. Your rate will be based on your loan to value ratio.      
Signature Loans      
  9.24% 12 Calculator
  9.24% 24 Calculator
  9.24% 36 Calculator
  9.99%  48 Calculator
  10.74%  60 Calculator
*APR=Annual Percentage Rate. Rates quoted include a .25% deduction for automatic payment from a Belco account. You may qualify for an additional 0.25% discount if you participate in one of our qualifying account packages. Rate may differ depending on credit worthiness, loan amount and term of the loan. Rates are subject to change at any time without prior notice.      
Signature Line-of-Credit** 14.99% 72 Calculator
VISA Platinum Prime Credit Card 9.24%+    
+Into rates starting at 2.49% APR on balance transfers AND purchases for the first 12 months!      
*APR=Annual Percentage Rate. The APR for Visa purchases and cash advances are the same. Rates are variable and subject to change. Rates may differ depending on credit worthiness. +Intro rate offer for approved Visa Platinum Prime accounts – as low as 2.49% APR for the first 12 months. Transfers from current Belco Visa cards, loans, or lines-of-credit not eligible for transfer offer. Intro rate offer may be withdrawn at any time without prior notice. Final APR determined by borrower’s credit score. APR based on the Prime Rate plus a margin that will vary between 5.24% and 14.24%. All loans subject to credit approval.      
**APR=Annual Percentage Rate. APR based on the Prime Rate plus 10.74%. Rates are variable and subject to change.      
Savings Secured 2% above Savings rate 60 Calculator
Certificate Secured 2% above Certificate Rate Due at maturity of certificate Calculator

Savings

Savings** Rate APY* Term
Share Savings .15 .15 12
Share Drafts (Checking) † .05 .05 12
IRA/Christmas/Vacation/Special Shares .15 .15 12

**A Youth Savings account is available to members aged 0-18 years and pays 25 basis points (.25%) higher than the regular Share Savings account. *APY = Annual Percentage Yield $250 minimum balance earns interest on any given day. Rates subject to change without prior notice. Dividend payment may not exceed available earnings after provision for reserves and operating expenses. Fees or other conditions may reduce earnings. Contact the credit union office for more information about fees and terms applicable to the account.

Certificates

Certificates Rate APY* Term
Share/IRA Certificate 3-5 Months .20 .20 5
Share/IRA Certificate 6-11 Months .25 .25 11
Share/IRA Certificate 12-17 Months .35 .35 17
Share/IRA Certificate 18-23 Months .40 .40 23
Share/IRA Certificate 24-35 Months .70 .70 35
Share/IRA Certificate 36-47 Months 1.05 1.06 47
Share/IRA Certificate 48-59 Months 1.20 1.21 59
Share/IRA Certificate 60 Months 1.40 1.41 60
Money Market Plus .20 .20 1

*APY = Annual Percentage Yield Monthly dividends may be compounded by addition to certificate principal or paid to a regular share or share draft account. An early withdrawal penalty of up to 90 days dividends may apply on investment terms of 1 year or less and up to 180 days dividends on investment terms greater than 1 year. Certain products and rates are not available for Public Funds Accounts, Financial Institution or other Institutional Investors.