Personal Line of Credit | BCCU

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A personal line of credit is the perfect solution for immediate cash flow needs or emergency expenses, and may prove to be a cost-effective alternative to a payday loan. You'll have the security and comfort of knowing you can access funds when you need them most. A personal line of credit from Bellwether can also be linked to your Loyalty Checking account, protecting you from the accidental or occassional overdraft. Your Loyalty Checking account could also benefit you with a discounted rate on most personal lines of credit.



Personal Loans/Lines
Effective Date: Saturday, February 27th, 2021
Account TypeAnnual Percentage Rate (APR) As Low As*CommentsApplication
Personal Line of Credit 11.14% APR  

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Personal Loan 0-42 Month Term 8.75% APR Est. monthly pmt: $27.73 per $1,000

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Personal Loan 43-54 Month Term 9.25% APR Est. monthly pmt: $22.71 per $1,000

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Personal Loan 55-60 Month Term 9.75% APR Est. monthly pmt: $21.13 per $1,000

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Energy Loan 0-42 Month Term 8.25% APR Est. monthly pmt: $31.46 per $1,000

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Energy Loan 43-54 Month Term 8.75% APR Est. monthly pmt: $24.77 per $1,000

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Energy Loan 55-60 Month Term 9.25% APR Est. monthly pmt: $20.88 per $1,000

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*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. 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.


Borrow against your savings and continue to earn dividends! Using your BCCU savings or certificate account balance as collateral, you can borrow a percentage of your balance as a loan or line of credit. Your savings will continue to earn dividends and the rate you pay on the loan or line will be based on your dividend rate plus a margin. Why not put your savings to work for you today?

Call or stop by a branch to learn more about our Share Secured Loans & Lines of Credit



Bellwether offers New Hampshire and Essex/Middlesex Counties personal loans to assist our community with an array of needs. Take advantage of tailored financing solutions to fund small projects, special events, or emergency expenses. We provide personal loans in New Hampshire with flexible terms, ensuring each member gets the funds they need, when they need it. You can also take advantage of a personal line of credit from Bellwether to protect against possible overdraft fees on your Loyalty Rewards Checking account.  



Going green at home can cost money, but we all want to do our part to protect the environment. Well, with Bellwether’s Energy Efficiency Loan, you can do both. You’ll save money in the long run by adding value to your home and reducing your annual energy expense. As part of the Energy Efficiency Partnership created between credit unions in New Hampshire, our Greenlight Energy Efficiency Loan will help make your home energy conservation projects more affordable.                                                                                                                                                                        

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