Bellwether Community Credit Union: Bellwether Community Credit Union Certificates & IRAs
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Certificates & IRAs

Home Personal Accounts Savings Certificates & IRAs

Savings Certificates

If you’ve got money you want to save for longer term, Bellwether’s Savings Certificates are the perfect way to let time work for you. Dividends earned can either be added to the certificate balance to compound, or deposited into your savings account for immediate access. Members who are part of the Loyalty Rewards Checking program earn a special bonus rate on their certificates depending on what rewards tier they are in. Learn more about Loyalty Rewards now. 

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First Account with Bellwether?

Starting your relationship with Bellwether online is easy and only takes a few minutes! Get started today!

Already have an Account with Bellwether?

You can open a certificate by logging into Web24 and selecting "Open New Account." Click below for more information on how open your account or enroll in Web24!

Need more savings options?

IRAs (Individual Retirement Accounts)

Bellwether offers both IRA certificates, and IRA Savings accounts, which offer tax advantages when the money you save is used for retirement or for education (Coverdell IRAs). Depending on your personal financial situation, you can choose the tax-deferred Traditional IRA or a Roth IRA which is not tax-deductible but allows tax free withdrawals at any time. Always consult your tax advisor to determine the best product for your individual needs.

Let Bellwether help you meet your savings goals or retirement planning needs!

I know what a certificate is, but what’s an IRA?

Traditional IRA
With a traditional IRA, you may invest up to the amount allowed by the U.S. Government, and contributions may be partially or fully deductible depending on your income and participation in an employer-sponsored plan. Withdrawals may not be made without penalty until age 59 ½, unless they are for higher education expenses or for the purchase of a first home. Earnings are tax deferred until withdrawn, and distributions must occur at age 70 ½.

Roth IRA
With a Roth IRA, you may also contribute up to the amount allowed by the U.S. Government. Contributions may be withdrawn tax-free anytime, but are not tax deductible. Dividend income is subject to taxation, except after five years to buy a first home, or for any purpose after age 59 ½. Contributions from earned income can be made after age 70 ½, and mandatory distributions are not required.

Coverdell Education Savings Account (CESA)
A CESA (Educational IRA) allows non tax-deductible investments of up to $2,000 per year, per child under the age of 18. Funds may be withdrawn tax-free and IRS penalty-free when used for higher education expenses. Funds set aside for one child but unused, may be transferred to another child in the family.

Ready to start saving? Open a Bellwether IRA  or certificate account today!

*Early withdrawals from IRA certificate accounts will result in loss of earnings penalty except in certain circumstances. Please refer to disclosures for complete details on minimum opening balance and balance required to earn dividends.
Related Links

Save It Today! Kids Club
Let our Kids Club Savings account teach the children in your life how to save, spend and share wisely!

Savings & Money Market
The easy way to get your savings started or start your nest egg.

Certificates & IRAs
Perfect solution for longer term savings goals

Club Accounts
Saving for holiday shopping? A special event? Vacation? Save proactively with our Club accounts. It's simple to get started today.

Checking Accounts
Options to make your banking life easier

Bank on-the-go with Mobile24
Check balances, make a payment, deposit a check & more right from your phone!

Certificates & IRA
Effective Date: Tuesday, July 28th, 2015
Product TypeAnnual Percentage Yield (APY)
6 Month Certificate 0.25% APY
48 Month Certificate 1.55% APY
60 Month IRA Certificate 1.80% APY
IRA Savings 0.25% APY
Disclosure Info        View All Rates
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Bellwether Community Credit Union
425 Hooksett Road, Manchester, NH 03104
409 Amherst Street, Nashua, NH 03063
7 Leavy Drive, Bedford, NH 03110
Tel: 603-645-8181 | Toll Free: 1-866-996-9828
Routing Number: 211489478
National Credit Union Association Equal Housing Lender CU Service Centers Co-op Network

Federally insured by the NCUA