Rates

Deposit Rates

Checking

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.  Return to top

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	1.02%	1.02%	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.  Return to top

Certificates

Account Type	Dividend	APY	Min Balance
3 Month Certificate	.30%	.30%	$500
6 Month Certificate	.70%	.70%	$500
12 Month Certificate	1.00%	1.00%	$500
24 Month Certificate	1.24%	1.25%	$500
36 Month Certificate	1.74%	1.75%	$500
48 Month Certificate	2.23%	2.25%	$500
60 Month Certificate	2.47%	2.50%	$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.  Return to top

IRAs

Account Type	Dividend	APY	Min Balance
IRA Savings	.75%	.75%	$100
3 Month IRA Certificate	.30%	.30%	$500
6 Month IRA Certificate	.70%	.70%	$500
12 Month IRA Certificate	1.00%	1.00	$500
24 Month IRA Certificate	1.24%	1.25%	$500
36 Month IRA Certificate	1.74%	1.75%	$500
48 Month IRA Certificate	2.23%	2.25%	$500
60 Month IRA Certificate	2.47%	2.50%	$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.  Return to top

Money Market Accounts

Account Type	Dividend	APY	Comments
Money Market Account	1.02%	1.02%	Average Daily Balance $100,000+
	.90%	.90%	Average Daily Balance $50,000 - $99,999
	.85%	.85%	Average Daily Balance $10,000 - $49,999
	.40%	.40%	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.  Return to top

Loan Rates

Mortgages

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.  Return to top

Home Equity Lines

Account Type	% Financed	APR	Application
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.  Return to top

Bellwether Visa Platinum

Account Type	APR	Application
Visa Platinum	9.99%, 11.99%, 13.99%, 15.99%, 17.99%, or 19.99%
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  Return to top

Special New Purchase Auto Loans

Account Type	% Financed	APR	Amount	Comments	Application
New Auto SPECIAL - 36 Months	Up to 100%	As low as 3.10%		For new vehicles only. Est. monthly pmt $29.13 per $1,000
New Auto SPECIAL - 48 Months	Up to 100%	As low as 3.10%		For new vehicles only. Est. monthly pmt. $22.18 per $1,000
New Auto SPECIAL - 60 months	Up to 100%	As low as 3.65%		For new vehicles only. Est. monthly pmt $18.26 per $1,000
New Auto SPECIAL - 72 months	Up to 100%	As low as 4.40%	$15,000 Min.	For new vehicles only. Est. monthly pmt. $15.83 per $1,000
New Auto SPECIAL - 84 months	Up to 100%	As low as 5.40%	$20,000 Min.	For new vehicles only. Est. monthly pmt. $14.32 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 new vehicles only 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.  Return to top

Used Auto Loans

Account Type	% Financed	APR	Amount	Comments	Application
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: $18.62 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.  Return to top

Motorcycles, Snowmobiles, ATVs & Farm Equipment

Account Type	APR	Comments	Application
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.  Return to top

Boats and RVs

Account Type	% Financed	APR	Comments	Application
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.  Return to top

Personal Loans/Lines

Account Type	Term	APR	Comments	Calculator	Application
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.  Return to top

Share Secured Loan/Line

Account Type	% Financed	Comments	Application
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.
Return to top