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Rates & Disclosures

Deposit Rates | Mortgage & HELOC Rates 

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Bellwether works hard to offer our members some of the best rates in New Hampshire. From Auto Loans to Mortgages, Bellwether has just what you need. Save and earn more with Bellwether!

Auto Loan Rates

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Effective Date: January 1, 2024
Vehicle Year
Term
% Financed
APR (%)
Notes
Vehicle Year
2024 - 2022
Term
0-66 Months
% Financed
Up to 120%
APR (%)
6.99%
Notes
Est. monthly pmt: $18.29 per $1,000 (66 mos.)
Vehicle Year
2024 - 2022
Term
67-75 Months
% Financed
Up to 120%
APR (%)
7.79%
Notes
Est. monthly pmt: $16.88 per $1,000 for 75 months
Vehicle Year
2024 - 2022
Term
76-90 Months
% Financed
Up to 120%
APR (%)
8.59%
Notes
Est. monthly pmt: $15.11 per $1,000 for 90 months
Vehicle Year
2021 - 2018
Term
0-66 Months
% Financed
Up to 120%
APR (%)
7.24%
Notes
Est. monthly pmt: $18.41 per $1,000 (66 mos.)
Vehicle Year
2021 - 2018
Term
66-75 Months
% Financed
Up to 120%
APR (%)
8.04%
Notes
Est. monthly pmt: $17.01 per $1,000 for 75 months
Vehicle Year
2021 - 2018
Term
76-84 Months
% Financed
Up to 120%
APR (%)
8.84%
Notes
Est. monthly pmt: $16.01 per $1,000 for 84 months
Vehicle Year
2017-2015
Term
0-66 Months
% Financed
Up to 120%
APR (%)
7.29%
Notes
Est. monthly pmt: $18.44 per $1,000 (66 mos.)
Vehicle Year
2017-2015
Term
67-75 Months
% Financed
Up to 120%
APR (%)
8.04%
Notes
Est. monthly pmt: $17.01 per $1,000 for 75 months
Vehicle Year
2014 & older
Term
0-60 Months
% Financed
Up to 100%
APR (%)
9.34%
Notes
Est. monthly pmt: $20.92 per $1,000 (60 mos.)

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Other Vehicle Loan Rates

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Effective Date: August 16, 2023
Vehicle Year
Term
APR (%)
Notes
Vehicle Year
2023 - 2021
Term
0-66 Months
APR (%)
8.24%
Notes
Est. monthly pmt: $18.89 per $1,000
Vehicle Year
2023 - 2021
Term
67-75 Months
APR (%)
9.24%
Notes
Est. monthly pmt: $17.60 per $1,000
Vehicle Year
2020 - 2017
Term
0-66 Months
APR (%)
9.14%
Notes
Est. monthly pmt: $19.33 per $1,000
Vehicle Year
2020 - 2017
Term
66-75 Months
APR (%)
10.24%
Notes
Est. monthly pmt: $18.11 per $1,000
Vehicle Year
2016-2014
Term
0-66 Months
APR (%)
10.34%
Notes
Est. monthly pmt: $19.93 per $1,000
Effective Date: August 16, 2023
Term
Amount
% Financed
APR (%)
Notes
Term
0-84 Months
Amount
$5,000 minimum
% Financed
Up to 95%
APR (%)
9.34%
Notes
Est. monthly pmt: $16.26 per $1,000 (84 months)
Term
85-180 Months
Amount
$25,000 minimum
% Financed
Up to 95%
APR (%)
9.84%
Notes
Est. monthly pmt: $10.65 per $1,000 (180 months)
Term
181-240 Months
Amount
$50,000 minimum
% Financed
Up to 95%
APR (%)
10.09%
Notes
Est. monthly pmt: $9.71 per $1,000 (240 months)
Effective Date: August 16, 2023
Term
Amount
% Financed
APR (%)
Notes
Term
0-72 Months
Amount
$5,000 minimum
% Financed
Up to 95%
APR (%)
9.34%
Notes
Est. monthly pmt: $18.19 per $1,000
Term
73-120 Months
Amount
$25,000 minimum
% Financed
Up to 95%
APR (%)
9.84%
Notes
Est. monthly pmt: $13.13 per $1,000
Term
111-180 Months
Amount
$50,000 minimum
% Financed
Up to 95%
APR (%)
10.09%
Notes
Est. monthly pmt: $10.80 per $1,000
Effective Date: August 16, 2023
Term
APR (%)
Notes
Term
0-42 Months
APR (%)
8.34%
Notes
Est. monthly pmt: $27.54 per $1,000
Term
42-54 Months
APR (%)
8.59%
Notes
Est. monthly pmt: $22.39 per $1,000
Term
55-60 Months
APR (%)
8.89%
Notes
Est. monthly pmt: $20.68 per $1,000

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Personal Loan Rates

Personal Loans: 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. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

Home Improvement Loan: Rates are subject to change at any time. Your actual rate will be determined by your creditworthiness and ability to repay. One of the borrowers must be the owner of the subject property and all borrowers must live in subject property. No non-occupant borrowers allowed. Minimum loan amount of $500; maximum loan amount of $30,000. Proof of income required for all loans greater than $25,000 and also dependent on creditworthiness. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

Effective Date: August 16, 2023
Name
Term
Annual Percentage Rate (APR) As Low As*
Name
Personal Loan 0-42 Month Term
Term
0-42 Months
Annual Percentage Rate (APR) As Low As*
10.25%
Name
Personal Loan 43-54 Month Term
Term
43-54 Months
Annual Percentage Rate (APR) As Low As*
10.75%
Name
Personal Loan 55-60 Month Term
Term
55-60 Months
Annual Percentage Rate (APR) As Low As*
11.25%
Name
Energy Loan 0-42 Month Term
Term
0-42 Months
Annual Percentage Rate (APR) As Low As*
9.75%
Name
Energy Loan 43-54 Month Term
Term
43-54 Months
Annual Percentage Rate (APR) As Low As*
10.25%
Name
Energy Loan 55-60 Month Term
Term
55-60 Months
Annual Percentage Rate (APR) As Low As*
10.75%
Name
Personal Line of Credit
Term
Open-End
Annual Percentage Rate (APR) As Low As*
12.49%
Effective Date: August 16, 2023
Name
Term
Annual Percentage Rate (APR) As Low As*
Name
Home Improvement Loan
Term
0-42 Months
Annual Percentage Rate (APR) As Low As*
9.49%
Name
Home Improvement Loan
Term
43-54 Months
Annual Percentage Rate (APR) As Low As*
9.79%
Name
Home Improvement Loan
Term
55-66 Months
Annual Percentage Rate (APR) As Low As*
9.99%
Name
Home Improvement Loan
Term
67-84 Months
Annual Percentage Rate (APR) As Low As*
10.49%

Personal Loans: 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. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

Home Improvement Loan: Rates are subject to change at any time. Your actual rate will be determined by your creditworthiness and ability to repay. One of the borrowers must be the owner of the subject property and all borrowers must live in subject property. No non-occupant borrowers allowed. Minimum loan amount of $500; maximum loan amount of $30,000. Proof of income required for all loans greater than $25,000 and also dependent on creditworthiness. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

Visa Credit Card Rates

Prime Rate as of 8/1/23 was 8.50%. 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 Card Agreement.

Effective Date: April 1, 2023
Name
Annual Percentage Rate (APR) As Low As
Name
VISA Smart Rate
Annual Percentage Rate (APR) As Low As
1.99% APR for the first 12 months
Prime Rate + 5.74% - 15.74%
Name
VISA Smart Rewards
Annual Percentage Rate (APR) As Low As
2.99% APR for the first 12 months
Prime Rate + 7.74% APR to 17.74% APR thereafter
Name
VISA Smart Cash
Annual Percentage Rate (APR) As Low As
3.99% APR for the first 12 months
Prime Rate + 9.74% APR to 19.74% APR thereafter
Name
VISA Simple Secured
Annual Percentage Rate (APR) As Low As
Prime Rate + 12% APR

Prime Rate as of 8/1/23 was 8.50%. 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 Card Agreement.

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