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Rates & Disclosures

Loan & Visa Rates | Mortgage & HELOC Rates


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!

Savings Rates

$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. 

Effective Date: January 1, 2023
Account Type
Minimum Daily Balance to Earn Dividends
Dividend Rate %
Annual Percentage Yield (APY)
Account Type
Primary Share Savings
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Secondary Savings
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Club Accounts
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Save It Today! Kid's Club
Minimum Daily Balance to Earn Dividends
$5 - $500
Dividend Rate %
1.74%
Annual Percentage Yield (APY)
1.75%
Account Type
Save It Today! Kid's Club
Minimum Daily Balance to Earn Dividends
$500.01+
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%

$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. 

Certificate and IRA Rates

Dividends are compounded and paid monthly. The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. 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.

Effective Date: January 25, 2023
Term
Dividend Rate %
Annual Percentage Yield (APY)
Premium Rate %
Premium APY %
Minimum Balance
Term
6 Month Certificate
Dividend Rate %
1.14%
Annual Percentage Yield (APY)
1.15% APY
Premium Rate %
1.14%
Premium APY %
1.15% APY
Minimum Balance
$500.00
Term
9 Month Certificate - Special Offer
Dividend Rate %
3.93%
Annual Percentage Yield (APY)
4.00% APY
Premium Rate %
3.98%
Premium APY %
4.05% APY
Minimum Balance
$500.00
Term
12 Month Certificate
Dividend Rate %
1.98%
Annual Percentage Yield (APY)
2.00% APY
Premium Rate %
2.03%
Premium APY %
2.05% APY
Minimum Balance
$500.00
Term
13 Month Certificate - Special Offer
Dividend Rate %
3.45%
Annual Percentage Yield (APY)
3.51% APY
Premium Rate %
3.50%
Premium APY %
3.56% APY
Minimum Balance
$500.00
Term
24 Month Certificate
Dividend Rate %
2.96%
Annual Percentage Yield (APY)
3.00% APY
Premium Rate %
3.01%
Premium APY %
3.05% APY
Minimum Balance
$500.00
Term
36 Month Certificate
Dividend Rate %
2.55%
Annual Percentage Yield (APY)
2.58% APY
Premium Rate %
2.60%
Premium APY %
2.63% APY
Minimum Balance
$500.00
Term
48 Month Certificate
Dividend Rate %
2.60%
Annual Percentage Yield (APY)
2.63% APY
Premium Rate %
2.70%
Premium APY %
2.73% APY
Minimum Balance
$500.00
Term
60 Month Certificate
Dividend Rate %
2.70%
Annual Percentage Yield (APY)
2.73% APY
Premium Rate %
2.80%
Premium APY %
2.83% APY
Minimum Balance
$500.00
Effective Date: January 25, 2023
Term
Dividend Rate %
Annual Percentage Yield (APY)
Premium Rate %
Premium APY %
Minimum Balance
Term
6 Month IRA Certificate
Dividend Rate %
1.14%
Annual Percentage Yield (APY)
1.15% APY
Premium Rate %
1.14%
Premium APY %
1.15% APY
Minimum Balance
$500.00
Term
9 Month IRA Certificate - Special Offer
Dividend Rate %
3.93%
Annual Percentage Yield (APY)
4.00% APY
Premium Rate %
3.98%
Premium APY %
4.05% APY
Minimum Balance
$500.00
Term
12 Month IRA Certificate
Dividend Rate %
1.98%
Annual Percentage Yield (APY)
2.00% APY
Premium Rate %
2.03%
Premium APY %
2.05% APY
Minimum Balance
$500.00
Term
13 Month IRA Certificate - Special Offer
Dividend Rate %
3.45%
Annual Percentage Yield (APY)
3.51% APY
Premium Rate %
3.50%
Premium APY %
3.56% APY
Minimum Balance
$500.00
Term
24 Month IRA Certificate
Dividend Rate %
2.96%
Annual Percentage Yield (APY)
3.00% APY
Premium Rate %
3.01%
Premium APY %
3.05% APY
Minimum Balance
$500.00
Term
36 Month IRA Certificate
Dividend Rate %
2.55%
Annual Percentage Yield (APY)
2.58% APY
Premium Rate %
2.60%
Premium APY %
2.63% APY
Minimum Balance
$500.00
Term
48 Month IRA Certificate
Dividend Rate %
2.60%
Annual Percentage Yield (APY)
2.63% APY
Premium Rate %
2.70%
Premium APY %
2.73% APY
Minimum Balance
$500.00
Term
60 Month IRA Certificate
Dividend Rate %
2.70%
Annual Percentage Yield (APY)
2.73% APY
Premium Rate %
2.80%
Premium APY %
2.83% APY
Minimum Balance
$500.00
Term
IRA Savings
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01% APY
Premium Rate %
0.01%
Premium APY %
0.01% APY
Minimum Balance
$100.00

Dividends are compounded and paid monthly. The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. 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.

Money Market Rates

Premier Money Market: The minimum balance required to open this account is $2,500.00.  You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The dividend rate and annual percentage yield may change at any time by the Credit Union’s Asset Liability Committee. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Dividends will be compounded at least monthly. Dividends will be credited to your account at least monthly. An excess withdrawal fee will be charged for each debit transaction (withdrawal, draft paid, automatic transfer or payment out of this account) in excess of three during a month. Please refer to separate fee schedule for charges that will apply.

Money Market: Rates are variable and may change after the account is opened. Minimum balance of $2,500.00 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.

Effective Date: January 1, 2023
Account Type
Dividend Rate %
Annual Percentage Yield (APY)
Average Daily Balance
Account Type
Premier Money Market
Dividend Rate %
1.79%
Annual Percentage Yield (APY)
1.80% APY*
Average Daily Balance
$250,000 - $499,999.99
Account Type
Premier Money Market
Dividend Rate %
1.74%
Annual Percentage Yield (APY)
1.75% APY*
Average Daily Balance
$100,000 - $249,999.99
Account Type
Premier Money Market
Dividend Rate %
0.05%
Annual Percentage Yield (APY)
0.05% APY
Average Daily Balance
$2,500.00 - $99,999.99
Effective Date: November 22, 2022
Account Type
Dividend Rate %
Annual Percentage Yield (APY)
Average Daily Balance
Account Type
Money Market
Dividend Rate %
0.79%
Annual Percentage Yield (APY)
0.79% APY*
Average Daily Balance
$100,000+
Account Type
Money Market
Dividend Rate %
0.53%
Annual Percentage Yield (APY)
0.53% APY*
Average Daily Balance
$50,000.00 - $99,999.99
Account Type
Money Market
Dividend Rate %
0.36%
Annual Percentage Yield (APY)
0.36% APY
Average Daily Balance
$10,000.00 - $49,999.99
Account Type
Money Market
Dividend Rate %
0.24%
Annual Percentage Yield (APY)
0.24% APY
Average Daily Balance
$2,500.00 - $9,999.99
Account Type
Money Market
Dividend Rate %
0.00%
Annual Percentage Yield (APY)
0.00% APY
Average Daily Balance
$0.00 - $2,499.99

Premier Money Market: The minimum balance required to open this account is $2,500.00.  You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The dividend rate and annual percentage yield may change at any time by the Credit Union’s Asset Liability Committee. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Dividends will be compounded at least monthly. Dividends will be credited to your account at least monthly. An excess withdrawal fee will be charged for each debit transaction (withdrawal, draft paid, automatic transfer or payment out of this account) in excess of three during a month. Please refer to separate fee schedule for charges that will apply.

Money Market: Rates are variable and may change after the account is opened. Minimum balance of $2,500.00 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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