Bellwether Community Credit Union: Bellwether Community Credit Union Rates
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Rates

Deposit Rates

Checking
Effective Date: Friday, December 19th, 2014
Account TypeDividend RateAnnual Percentage Yield (APY)Amount
Platinum Loyalty Checking .10% 0.10% APY $2,500+
  .01% 0.01% APY $300 - $2,499
Gold Loyalty Checking .01% 0.01% APY $300+

$300 Minimum average daily balance required to earn dividends. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

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Savings
Effective Date: Friday, December 19th, 2014
Account TypeDividend RateAnnual Pecentage Yield (APY)Comments
Primary Share Savings .05% 0.05% APY  
Secondary Savings .05% 0.05% APY  
Club Accounts .05% 0.05% APY  
Save It Today! Kid's Club .47% 0.47% APY Average Daily Balance $5 - $500
 

$100 Minimum average daily balance required to earn dividends except Kid's Club account. "Save It Today!" Kid's Club has no minimum balance to earn dividends. $5.00 minimum to open account. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

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Certificates
Effective Date: Friday, December 19th, 2014
TermDividend Rate*Annual Percentage Yield (APY)*Min Balance
3 Month .25% 0.25% APY $500.00
6 Month .25% 0.25% APY $500.00
12 Month .40% 0.40% APY $500.00
13 Month 1.01% 1.01% APY $500.00
24 Month .90% 0.90% APY $500.00
36 Month 1.34% 1.35% APY $500.00
48 Month 1.74% 1.75% APY $500.00
60 Month 2.03% 2.05% APY $500.00
* Certificate rates quoted above are for members with Platinum Level Loyalty Rewards Checking, and include a .20% bonus added to the base rate. Members with Gold Level Loyalty Rewards Checking receive a .10% bonus added to the base rate, and Silver Level Loyalty Rewards Checking receives a .05% bonus added to the base rate. To determine the base rate, deduct .20% from the above quoted rates.

The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

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IRAs
Effective Date: Friday, December 19th, 2014
Account TypeDividend Rate*Annual Percentage Yield (APY)*Min Balance
IRA Savings .25% 0.25% APY $100.00
3 Month IRA Certificate .25% 0.25% APY $500.00
6 Month IRA Certificate .25% 0.25% APY $500.00
12 Month IRA Certificate .40% 0.40% APY $500.00
13 Month IRA Certificate 1.01% 1.01% APY $500.00
24 Month IRA Certificate .90% 0.90% APY $500.00
36 Month IRA Certificate 1.34% 1.35% APY $500.00
48 Month IRA Certificate 1.74% 1.75% APY $500.00
60 Month IRA Certificate 2.03% 2.05% APY $500.00
* Certificate rates quoted above are for members with Platinum Level Loyalty Rewards Checking, and include a .20% bonus added to the base rate. Members with Gold Level Loyalty Rewards Checking receive a .10% bonus added to the base rate, and Silver Level Loyalty Rewards Checking receives a .05% bonus added to the base rate. To determine the base rate, deduct .20% from the above quoted rates.

The IRA Savings minimum balance is required to earn dividends. The certificate minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

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Money Market Accounts
Effective Date: Friday, December 19th, 2014
Account TypeDividend RateAnnual Percentage Yield (APY)Comments
Money Market Account .47% 0.47% APY Average Daily Balance $100,000+
  .40% 0.40% APY Average Daily Balance $50,000 - $99,999
  .25% 0.25% APY Average Daily Balance $10,000 - $49,999
  .10% 0.10% APY

Average Daily Balance $2,500 - $9,999

  .00% 0.00% APY

Average Daily Balance $0.00 - $2,499

Rates are variable and may change after the account is opened. Minimum balance of $25.00 to open. Minimum balance of $2,500.00 to obtain dividends. Fees may reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

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Loan Rates

Conforming Fixed Rate Mortgages*
Effective Date: Friday, December 19th, 2014
Payments shown below do not include taxes or insurance. Your payment may be greater.
Account TypeRateTermAnnual Percentage Rate (APR) As Low As*Comments
30 Year Fixed w/0 points 3.875% 30 yrs 3.908% APR

$940.47 monthly*

20 Year Fixed w/0 points 3.750% 20 yrs 3.795% APR

$1,185.78 monthly*

15 Year Fixed w/0 points 3.125% 15 yrs 3.179% APR

$1,393.22 monthly*

10 Year Fixed w/0 points 2.875% 10 yrs 2.952% APR

$1,919.70 monthly*

* All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan with a 20% down payment. Additional Rate and Point options available. Please call 1-603-645-8181 for more information.
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Adjustable Rate Mortgages (ARMs)*
Effective Date: Friday, December 19th, 2014
Payment examples shown below do not include taxes or insurance. Your payment may be greater.
Account TypeRateTermAnnual Percentage Rate (APR) As Low As*Comments
1/1 ARM CMT 3.000%

30 years
3.000% initial rate
2.875% fully indexed

2.913% APR

Payment Example*
Mos 1-12: $843.21
Mos 13-360: $830.16

3/1 ARM CMT 3.000%

30 years
3.000% initial rate
2.875% fully indexed

2.931% APR

Payment Example*
Mos 1-36: $843.21
Mos 37-360: $830.91

5/1 ARM CMT 3.000%

30 years
3.000% initial rate
2.875% fully indexed

2.948% APR

Payment Example*
Mos 1-60: $843.21
Mos 61-360: $831.69

5/5 ARM CMT 2.875%

30 years
2.875% initial rate
4.000% fully indexed

3.635% APR

Payment Example*
Mos 1-60: $829.78
Mos 61-360: $948.70

7/1 ARM CMT 3.250%

30 years
3.250% initial rate
2.875% fully indexed

3.145% APR

Payment Example*
Mos 1-84: $870.41
Mos 85-360: $848.60

10/1 ARM CMT 3.500%

30 years
3.500% initial rate
2.875% fully indexed

3.336% APR

Payment Example*
Mos 1-12: $898.09
Mos 61-360: $858.81

* All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan and a 20% down payment. ARM CMT loans shown have a 30 year term, are payable monthly, and include an adjustable rate feature. Initial rate is fixed for the initial period and then one year adjustable thereafter.

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Caps
1/1, 3/1, and 5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5

 

Index and Margin
Index: One Year US Treasury Bill. As of
 12/12/14: 0.20, Margin: 2.75%, Your rate will be rounded up to the nearest eighth.

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Home Equity Lines
Effective Date: Friday, December 19th, 2014
Account Type% FinancedAnnual Percentage Rate (APR) As Low AsApplication
Home Equity Line Up to 85% As low as Prime - 1/2% (Variable)

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Special Home Equity Line of Credit

Up to 85% As low as 2.99% APR fixed for 2 yrs, then Prime - 1/2% (Variable)

Apply Here

Home Equity Plus Line of Credit Up to 100% As low as Prime + 2.00% (Variable)  

Annual Percentage Rates (APR) are subject to change at any time. Rates shown are for well qualified borrowers. Your actual rate will be determined by your credit worthiness and ability to repay. Rates are variable, based on Wall Street Journal Prime (as of 10/1/14, 3.25%) and are subject to change at any time. An annual fee of $50 is charged each anniversary monthHome Equity Line: Rates as low as Prime - 1/2% (2.75%). Rate shown includes a .25% discount for payments made by automatic transfer/payment using a BCCU account. Homeowner's insurance is required. If you close the line within three (3) years, there is an early termination fee of $344. All loans subject to credit approval. Special Home Equity Line: Rates as low as 2.99%, fixed for 2 years then as low as Prime - 1/2% (2.75%). Rate shown includes a .25% discount for both the fixed rate and the variable rate for payments made by automatic transfer/payment using a BCCU account. Special Home Equity Line for new BCCU loans only. Home Equity Plus Line of Credit: Rates as low as Prime + 2.00% with a floor/ceiling rate of 5%/18%.

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Bellwether VISA Platinum
Effective Date: Friday, December 19th, 2014
Account TypeAnnual Percentage Rate (APR) As Low AsApplication
VISA Platinum

9.99% APR,
11.99% APR,
13.99% APR,
15.99% APR,
17.99% APR,
19.99% APR or
Variable

Apply Here

VISA Special1

2.99% for the first 12 months
9.99%, 11.99%, or 13.99% thereafter

Apply Here

Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. All loans subject to credit approval. View Interest Rates, Fees, and Card Agreement.

1. Special Introductory Rate is available for well qualified borrowers and new VISA accounts only.

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Auto Loans: New and Used
Effective Date: Friday, December 19th, 2014
Term% FinancedAnnual Percentage Rate (APR) As Low As*AmountCommentsApplication
36 Months Up to 100% 2.00% APR  

Est. monthly pmt: $28.64 per $1,000

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48 Months Up to 100% 2.00% APR  

Est. monthly pmt: $21.70 per $1,000

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60 Months Up to 100% 2.00% APR  

Est. monthly pmt: $17.53 per $1,000

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72 Months Up to 100% 3.64% APR $10,000 Min.

Est. monthly pmt: $15.48 per $1,000

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84 Months Up to 100% 4.64% APR $15,000 Min.

Est. monthly pmt: $13.97 per $1,000

Apply Here

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your credit worthiness and ability to repay. Rates shown include a .10% discount for Loyalty Rewards Checking and a .25% discount for payment made via automatic transfer/payment. To calculate undiscounted rate, add back the appropriate discount(s) based on your specific situation. Title, UCC & VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans subject to credit approval. Rates are subject to change at any time.

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Motorcycles, Snowmobiles, ATVs & Farm Equipment
Effective Date: Friday, December 19th, 2014
TermAnnual Percentage Rate (APR) As Low As*CommentsApplication
36 Months 7.90% APR Est. monthly pmt: $31.29 per $1,000

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48 Months 8.15% APR Est. monthly pmt: $24.48 per $1,000

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60 Months 8.40% APR Est. monthly pmt: $20.47 per $1,000

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Motorcycles - Up to 60 Months 7.14% APR Est. monthly pmt: $19.87 per $1,000

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* Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. Additional rates and terms available. Payment examples assume $0.00 down payment. All loans subject to credit approval.

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RV Loans
Effective Date: Friday, December 19th, 2014
Account Type% FinancedAnnual Percentage Rate (APR) As Low As*CommentsApplication
RVs - 36 Months Up to 100% 6.65% APR Est. monthly pmt: $30.72 per $1,000

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RVs - 48 Months Up to 100% 7.15% APR Est. monthly pmt: $24.02 per $1,000

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RVs - 60 Months Up to 100% 7.65% APR Est. monthly pmt: $20.11 per $1,000

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RVs - 72 Months Up to 80% 7.90% APR Est. monthly pmt: $17.48 per $1,000

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RVs - 96 Months Up to 80% 7.90% APR Est. monthly pmt: $14.09 per $1,000

Apply Here

* Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. Payment example assume $0.00 down payment. Additional rates and terms are available. RV loans over 60 months and $50,000 require 20% down. All loans subject to credit approval.
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Boat Loans
Effective Date: Friday, December 19th, 2014
Account TypeAmount% FinancedAnnual Percentage Rate (APR) as low as*CommentsApplication
Up to 10 Years

$15,000 - $24,999

Up to 90% 7.25%

Est. monthly pmt: $11.74 per $1,000

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Up to 15 Years

$25,000 - $49,999

Up to 90% 5.50%

Est. monthly pmt: $8.17 per $1,000

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Up to 20 Years

$50,000 - $100,000

Up to 90% 4.99%

Est. monthly pmt: $6.59 per $1,000

Apply Here

* Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. Payment example assume $0.00 down payment. Additional rates and terms are available. All loans subject to credit approval.

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Personal Loans/Lines
Effective Date: Friday, December 19th, 2014
Account TypeAnnual Percentage Rate (APR) As Low As*CommentsCalculatorApplication
Personal Line of Credit 10.99% APR    

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Personal Loan 36 Month Term 8.90% APR Est. monthly pmt: $31.75 per $1,000  

Apply Here

Greenlight Energy Loan 36 Month Term 7.90% APR

Est. monthly pmt: $31.29 per $1,000
Call to apply 1-866-996-9828

   

* Rates are subject to change at any time. For Personal Loans and Greenlight Energy Efficiency Loans, other rates and terms are available. Your actual rate will be determined by your creditworthiness and ability to repay. Rates quoted for Personal Loans and Greenlight Energy Efficiency Loans include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. There is no discount on Personal lines of Credit. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

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Share Secured Loan/Line
Effective Date: Friday, December 19th, 2014
Account Type% FinancedCommentsApplication
Share Secured Loan Up to 90% Various terms and payment options available. Please call for details.

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Share Secured Line of Credit Up to 90% Various terms and payment options available. Please call for details.

Apply Here

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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