Rates
Deposit RatesChecking| Account Type | Dividend | APY | Amount | Calculator | | | Platinum Loyalty Checking | .25% | .25% | $2,500+ |  | | | .05% | .05% | $300 - $2,499 | | | | Gold Loyalty Checking | .05% | .05% | $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 account is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
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Savings| Account Type | Dividend | APY | Comments | | | Primary Share Savings | .25% | .25% | | | | Secondary Savings | .25% | .25% | | | | Club Accounts | .25% | .25% | | | | Save It Today! Kid's Club | 1.39% | 1.40% | Average Daily Balance $5 - $500 | | | .25% | .25% | Average Daily Balance in excess of $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 account is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
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Certificates| Account Type | Dividend | APY | Min Balance | | | 3 Month Certificate | .80% | .80% | $500 | | | 6 Month Certificate | 1.09% | 1.10% | $500 | | | 12 Month Certificate | 1.39% | 1.40% | $500 | | | 13 Month Certificate SPECIAL | 1.74% | 1.75% | $500 | | | 24 Month Certificate | 1.59% | 1.60% | $500 | | | 36 Month Certificate | 2.28% | 2.30% | $500 | | | 48 Month Certificate | 2.75% | 2.78% | $500 | | | 60 Month Certificate | 2.96% | 3.00% | $500 | 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 account is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
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IRAs| Account Type | Dividend | APY | Min Balance | | | IRA Savings | .75% | .75% | $100 | | | 3 Month IRA Certificate | .80% | .80% | $500 | | | 6 Month IRA Certificate | 1.09% | 1.10% | $500 | | | 12 Month IRA Certificate | 1.39% | 1.40 | $500 | | | 13 Month IRA Certificate SPECIAL | 1.74% | 1.75% | $500 | | | 24 Month IRA Certificate | 1.59% | 1.60% | $500 | | | 36 Month IRA Certificate | 2.28% | 2.30% | $500 | | | 48 Month IRA Certificate | 2.75% | 2.78% | $500 | | | 60 Month IRA Certificate | 2.96% | 3.00% | $500 | 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 account is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
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Money Market Accounts| Account Type | Dividend | APY | Comments | | | Money Market Account | 1.39% | 1.40% | Average Daily Balance $100,000+ | | | 1.39% | 1.40% | Average Daily Balance $50,000 - $99,999 | | | 1.09% | 1.10% | Average Daily Balance $10,000 - $49,999
| | | .65% | .65% | Average Daily Balance $2,500 - $9,999 | Rates are variable and may change after the account is opened. Minimum balance of $2,500 to open and obtain dividends. Fees may reduce earnings. Each member account is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
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Loan RatesMortgages| Account Type | Term | Comments | | | Buying a Home? - First Mortgages (Fixed and Adjustable Rates) | First Mortgages for Primary, Vacation and Income Properties available | Member Advantage Mortgage, LLC offers first mortgages for primary, vacation and investment properties. Many rates and terms available. Click here for a list of products available. | All First Mortgages are processed through Bellwether's mortgage subsidiary, Member Advantage Mortgage. - Various rates and terms available.
- Best Rate Guarantee.
- To view all available rates and terms click here.
Homeowner's insurance is required. Equal Housing Lender. All loans subject to credit approval.
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Home Equity Lines| Account Type | % Financed | APR | | | Special Home Equity Line | Up to 85% | As low as 4.99% Fixed for 36 months, then prime - 1/2%, thereafter (Variable) | | | Home Equity Line | Up to 85% | As low as Prime - 1/2% (Variable) | Annual Percentage Rates (APR) are subject to change at any time. 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 12/29/09, 3.25%) and are subject to change at any time. As of 12/29/09, Special Home Equity Line: As low as 4.99%, fixed for 3 years then as low as Prime - 1/2% (2.75%) Home Equity Line: As low as Prime - 1/2% (2.75%). Maximum rate over the life of the loan for all lines is 18%. "% Financed" represents Market Value less outstanding mortgage balances. Homeowner's insurance is required. There are no closing costs or fees to open the line. If you close the line within 4 years, you will reimburse BCCU $350 for costs we incurred to establish the line. Special Home Equity Line for new BCCU loans only. All loans subject to credit approval.
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Auto Loans| Account Type | % Financed | APR | Amount | Comments | | | Auto Loan - 36 Months | Up to 100% | As low as 3.89% | | Est. monthly pmt: $29.81 per $1,000 | | | Auto Loan - 48 Months | Up to 100% | As low as 3.89% | | Est. monthly pmt: $22.87 per $1,000 | | | Auto Loan - 60 Months | Up to 100% | As low as 4.44% | | Est. monthly pmt: $18.96 per $1,000 | | | Auto Loan - 72 Months | Up to 100% | As low as 5.19% | $15,000 Min. | Est. monthly pmt: $16.54 per $1,000 | | | Auto Loan - 84 Months | Up to 100% | As low as 6.19% | $20,000 Min. | Est. monthly pmt: $15.06 per $1,000 | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted apply to vehicles with model years 2000 and newer, and 100,000 miles or less, and include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. Additional rates and terms are available. APR and term are based on your credit rating and ability to repay. Title, UCC & VSI fees will be charged when necessary. All loans subject to credit approval.
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Bellwether Visa Platinum| Account Type | APR | | | Visa Platinum | 7.99%, 9.99%, 11.99%, 13.99%, 15.99% or 17.99% | 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, Interest Charges, and Fees
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Boats and RVs| Account Type | % Financed | APR | Comments | | | Boats or RVs - 36 Months | Up to 100% | As low as 6.65% | Est. monthly pmt: $30.72 per $1,000 | | | Boats or RVs - 48 Months | Up to 100% | As low as 7.15% | Est. monthly pmt: $24.02 per $1,000 | | | Boats or RVs - 60 Months | Up to 100% | As low as 7.65% | Est. monthly pmt $20.11 per thousand | | | RV's - 72 Months | Up to 80% | As low as 7.90% | Est. monthly pmt: $17.48 per $1,000 | | | RV's - 96 Months | Up to 80% | As low as 7.90% | Est. monthly pmt $14.09 per thousand | 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 are available. RV loans over 60 months and $50,000 require 20% down. All loans subject to credit approval.
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Motorcycles, Snowmobiles, ATVs & Farm Equipment| Account Type | APR | Comments | | | Snowmobiles, ATVs, Farm Equipment - 36 Months | As low as 7.90% | Est. monthly pmt: $31.29 per $1,000 | | | Snowmobiles, ATVs & Farm Equipment - 48 Months | As low as 8.15% | Est. monthly pmt: $24.48 per $1,000 | | | Snowmobiles, ATVs & Farm Equipment - 60 Months | As low as 8.40% | Est. monthly pmt: $20.47 per $1,000 | | | Motorcycles - Up to 60 Months | As low as 7.14% | Est. monthly pmt: $19.87 per $1,000 | 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. Members without Loyalty Rewards Checking should add .10% to the rate shown. Additional rates and terms available. All loans subject to credit approval.
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Personal Loans/Lines| Account Type | Term | APR | Comments | Calculator | | | Personal Line of Credit | | As low as 10.99% | | | | | Personal Loan 36 Month Term | | As low as 8.90% | Est. monthly pmt: $31.75 per $1,000 | | | | Greenlight Energy Loan 36 month term | | As low as 7.90% | Est. monthly pmt: $31.29 per $1,000
Please 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. Members without Loyalty Rewards Checking should add .10% to the rate shown above. There is no discount on Personal lines of Credit. Please call
1-866-996-9828 for more details. All loans subject to credit approval.
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Share Secured Loan/Line| Account Type | % Financed | Comments | | | Share Secured Loan | Up to 90% | Various terms and payment options available. Please call for details. | | | Share Secured Line of Credit | Up to 90% | Various terms and payment options available. Please call for details. |
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