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Rates And Disclosures For Deposits and loans

Name: Bellwether Community Credit Union
Address: 425 Hooksett Road, Manchester, NH, 03104, USA
Telephone: 1-866-996-9828

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. Bellwether has also had 8 products Great Rate Certified by Datatrac, meaning these products outperform the market average in New Hampshire. Save and earn more with Bellwether!

Deposit Rates

Checking
Effective Date: Sunday, January 19th, 2020
Account Type	Dividend Rate	Annual Percentage Yield (APY)	Amount
Platinum Loyalty Checking	.10%	0.10% APY	$2,500+
Gold Loyalty Checking	.01%	0.01% APY	$300.00-2,499.99
Silver Loyalty Checking	N/A	N/A	$0-$299.99
*All Loyalty Reward accounts will automatically move between levels as balances and service usage changes occur. $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 is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
Click Here for Important Information About Share Accounts Including Terms and Conditions, Electronic Transfers, Funds Availability, and Truth in Savings

Learn more on our Checking page.

Savings
Effective Date: Sunday, January 19th, 2020
Account Type	Dividend Rate	Annual Percentage Yield (APY)	Comments
Primary Share Savings	.05%	0.05% APY
Secondary Savings	.05%	0.05% APY
Club Accounts	.05%	0.05% APY
Save It Today! Kid's Club	.95% .05%	0.95% APY 0.05% APY	Average Daily Balance $5 - $500 Average Daily Balance $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 is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
Click Here for Important Information About Share Accounts Including Terms and Conditions, Electronic Transfers, Funds Availability, and Truth in Savings

Learn more on our Savings page.

Certificates
Effective Date: Sunday, January 19th, 2020
Term	Dividend Rate*	Annual Percentage Yield (APY)*	Min Balance
3 Month	0.60%	0.60% APY	$500.00
6 Month	1.00%	1.00% APY	$500.00
12 Month	1.74%	1.75% APY	$500.00
24 Month	1.79%	1.80% APY	$500.00
36 Month	1.79%	1.80% APY	$500.00
48 Month	1.88%	1.90% APY	$500.00
60 Month	1.88%	1.90% APY	$500.00
*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 is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
C lick Here for Important Information About Share Accounts Including Terms and Conditions, Electronic Transfers, Funds Availability, and Truth in Savings

Call us at 1-866-996-9828 or visit us to open a Certificate today.

Learn more on our Certificates page.

IRAs
Effective Date: Sunday, January 19th, 2020
Account Type	Dividend Rate*	Annual Percentage Yield (APY)*	Min Balance
IRA Savings	0.25%	0.25% APY	$100.00
3 Month IRA Certificate	0.60%	0.60% APY	$500.00
6 Month IRA Certificate	1.00%	1.00% APY	$500.00
12 Month IRA Certificate	1.74%	1.75% APY	$500.00
24 Month IRA Certificate	1.79%	1.80% APY	$500.00
36 Month IRA Certificate	1.79%	1.80% APY	$500.00
48 Month IRA Certificate	1.88%	1.90% APY	$500.00
60 Month IRA Certificate	1.88%	1.90% APY	$500.00
*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 is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.
Click Here for Important Information About Share Accounts Including Terms and Conditions, Electronic Transfers, Funds Availability, and Truth in Savings

Call us at 1-886-996-9828 or visit us to open a IRA Certificate today.

Learn more on our IRA page.

New Hampshire Bar Foundation IOLTA Accounts

Effective Date: Sunday, January 19th, 2020

Comments

Bellwether Community Credit Union is a member of the IOLTA Leadership Circle and offers IOLTA accounts to the legal community in the state of New Hampshire. For more information on these accounts, please call 866-996-9828.

Money Market Accounts
Effective Date: Sunday, January 19th, 2020
Account Type	Dividend Rate	Annual Percentage Yield (APY)	Comments
Premier Money Market	1.19%	1.20% APY*	Average Daily Balance $100,000+
	.25%	0.25% APY	Average Daily Balance $2,500.00 - $9,999.99
*Annual Percentage Yield (APY) of 1.20% is a promotional rate available when you open a Premier Money Market Savings account and maintain an average daily balance of at least $100,000 in the account. There is a $100,000 minimum to open this account. If your average daily balance is less than $100,000, the account will earn .35% APY, balances $2,500 or less will not earn any interest. The promotional rate of 1.20% APY is guaranteed for 90 days after the account is opened and subject to change at any time thereafter. Dividends are calculated by the daily balance method which applies the applicable daily periodic rate to the balance in the account each day. These APYs are effective as of 10/1/2018 and are available for new Premier Money Market accounts only. Fees may reduce earnings. This product is available for consumer and business members. It is not available for financial institutions and brokers.

Money Market Account	.85%	0.85% APY	Average Daily Balance $100,000+
	.55%	0.55% APY	Average Daily Balance $50,000.00 - $99,999.99
	.40%	0.40% APY	Average Daily Balance $10,000.00 - $49,999.99
	.25%	0.25% APY	Average Daily Balance $2,500.00 - $9,999.99
	.00%	0.00% APY	Average Daily Balance $0.00 - $2,499
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.
Click Here for Important Information About Share Accounts Including Terms and Conditions, Electronic Transfers, Funds Availability, and Truth in Savings Premier Money Market Supplemental TIS

Learn more on our Money Market page.

Loan Rates

Conforming Fixed Rate Mortgages*
Effective Date: Sunday, January 19th, 2020
Payments shown below do not include taxes or insurance. Your payment may be greater.
Account Type	Rate	Term	Annual Percentage Rate (APR) As Low As*	Payment Example*
30 Year Fixed w/0 points	3.625%	30 yrs	3.652% APR	360 monthly payments of $912.10*
20 Year Fixed w/0 points	3.375%	20 yrs	3.412% APR	240 monthly payments of $1,147.11*
15 Year Fixed w/0 points	3.125%	15 yrs	3.173% APR	180 monthly payments of $1,393.22*
10 Year Fixed w/0 points	3.000%	10 yrs	3.069% APR	120 monthly payments of $1,931.21*
* All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan with a 20% down payment. Additional Rate and Point options available. Please call 1-603-645-8181 for more information.

Learn more on our Fixed Mortgage page.

Adjustable Rate Mortgages (ARMs)*
Effective Date: Sunday, January 19th, 2020
Payment examples shown below do not include taxes or insurance. Your payment may be greater.
Account Type	Rate	Term	Annual Percentage Rate (APR) As Low As*	Payment Example*
1/1 ARM CMT	3.250%	30 years 3.250% initial rate 4.250% fully indexed	4.649% APR	Mos 1-12: $870.41 Fully indexed: $980.72
3/1 ARM CMT	3.250%	30 years 3.250% initial rate 4.250% fully indexed	4.426% APR	Mos 1-36: $870.41 Fully indexed: $974.26
5/1 ARM CMT	3.375%	30 years 3.375% initial rate 4.250% fully indexed	4.278% APR	Mos 1-60: $884.19 Fully indexed: $969.75
5/5 ARM CMT	3.125%	30 years 3.125% initial rate 4.125% fully indexed	3.875% APR	Mos 1-60: $856.75 Fully indexed: $953.33
Easy Start 5/5 ARM CMT	3.375%	30 years 3.375% initial rate 4.125% fully indexed	3.963% APR	Mos 1-60: $884.19 Fully indexed: $957.26
7/1 ARM CMT	3.625%	30 years 3.625% initial rate 4.250% fully indexed	4.302% APR	Mos 1-84: $912.10 Fully indexed: $969.71
10/1 ARM CMT	3.750%	30 years 3.750% initial rate 4.250% fully indexed	4.156% APR	Mos 1-120: $926.23 Fully indexed: $977.18
* All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan and a 20% down payment. ARM CMT loans shown have a 30 year term, are payable monthly, and include an adjustable rate feature. Initial rate is fixed for the initial period and then one year adjustable thereafter.

Caps
1/1, 3/1, and 5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5

Index and Margin
Index: One Year US Treasury Bill. As of 1/10/2020: 1.54, Margin: 2.75%, Your rate will be rounded up to the nearest eighth.

Learn more on our Adjustable Mortgage page.

Home Equity Lines
Effective Date: Sunday, January 19th, 2020
Account Type	% Financed	Annual Percentage Rate (APR) As Low As	Application
Hybrid Home Equity Line	Up to 85%	3.49% APR* Fixed for 1 Year Thereafter As Low As Prime - .25% (Variable)	Apply Here
Home Equity Line	Up to 85%	As low as Prime - .25% (Variable)	Apply Here
Home Equity Plus Line of Credit	Up to 100%	As low as Prime + 2.00% (Variable)
Bellwether offers three different HELOC products Hybrid Home Equity Line, Home Equity Line and *Home Equity Plus Line of Credit. Rates shown are for well qualified borrowers. For each product the Annual Percentage Rate (APR) is variable and will be based on your credit worthiness and ability to repay. Rates are variable, based on the Wall Street Journal Prime (as of 11/1/19, 4.75%) and are subject to change at any time. Each product has an annual fee of $50 which will be charged each anniversary month and a $344 early termination fee may apply if account is closed within three years from account opening. If your property is held in a trust, an upfront, non-refundable $175 trust review fee applies, otherwise there are no origination/application fees. If you pay interest only, you still owe the amounts drawn and your monthly payment will increase when the interest-only period ends. Homeowners insurance is required. Hybrid Home Equity Line: Maximum 85% combined loan-to-value ratio. At the end of the 12-month fixed introductory period, the line converts to a variable APR based on a margin as low as the Wall Street Journal Prime Rate minus 0.25%. Prime as of 11/1/19 was 4.75%. The variable APR will not exceed 18%. Offer is for new BCCU lines only. Home Equity Line: Rates as low as Prime - 0.25%. Prime as of 11/1/19 was 4.75%. Homeowner's insurance is required. All loans subject to credit approval. *Home Equity Plus Line of Credit: Maximum 100% combined loan-to-value ratio. Rates are as low as Prime +2.00%. Prime as of 11/1/19 was 4.75%. The variable APR will not exceed 18%.
Click Here for Hybrid Home Equity Line Disclosure Click here for Home Equity Line Disclosure Click Here for Home Equity Plus Line of Credit Disclosure

Learn more on our Home Equity Line of Credit page.

Auto Loans: New and Used
Effective Date: Sunday, January 19th, 2020
Vehicle Year	Term	% Financed	Annual Percentage Rate (APR) As Low As*	Comments	Application
Vehicle Years 2020 through 2018
2020 - 2018	0-66 Months	Up to 100%	3.39% APR	Est. monthly pmt: $29.25 per $1,000 (36 mos.) Est. monthly pmt: $22.31 per $1,000 (48 mos.) Est. monthly pmt: $18.14 per $1,000 (60 mos.)	Apply Here
2020 - 2018	67-75 Months	Up to 100%	3.69% APR	Est. monthly pmt: $15.50 per $1,000 for 75 months	Apply Here
2020 - 2018	76-84 Months	Up to 100%	4.74% APR	Est. monthly pmt: $14.01 per $1,000 for 84 months	Apply Here
Vehicle Years 2017 through 2014
2017 - 2014	0-66 Months	Up to 100%	3.54% APR	Est. monthly pmt: $29.32 per $1,000 (36 mos.) Est. monthly pmt: $22.38 per $1,000 (48 mos.) Est. monthly pmt: $18.21 per $1,000 (60 mos.)	Apply Here
2017 - 2014	67-75 Months	Up to 100%	4.09% APR	Est. monthly pmt: $15.13 per $1,000 for 75 months	Apply Here
2017 - 2014	76-84 Months	Up to 100%	5.19% APR	Est. monthly pmt: $14.22 per $1,000 for 84 months	Apply Here
Vehicle Years 2013 through 2011
2013 - 2011	0-66 Months	Up to 100%	3.89% APR	Est. monthly pmt: $29.48 per $1,000 (36 mos.) Est. monthly pmt: $22.53 per $1,000 (48 mos.) Est. monthly pmt: $18.37 per $1,000 (60 mos.)	Apply Here
2013 - 2011	67-75 Months	Up to 100%	4.44% APR	Est. monthly pmt: $15.29 per $1,000 for 75 months	Apply Here
Vehicle Years 2010 and Older
2010 & older	0-48 Months	Up to 80%	5.79% APR	Est. monthly pmt: $23.39 per $1,000 (48 mos.)	Apply Here
*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your credit worthiness and ability to repay. Rates shown include a .10% discount for Loyalty Rewards Checking. To calculate undiscounted rate, add back the appropriate discount(s) based on your specific situation. Title, UCC & VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans subject to credit approval. Rates are subject to change at any time.

Learn more on our Auto Loan page.

Motorcycles
Effective Date: Sunday, January 19th, 2020
Term	Annual Percentage Rate (APR) As Low As	Comments	Application
36 Months	7.49% APR	Est. monthly pmt: $31.10 per $1,000	Apply Here
48 Months	7.49% APR	Est. monthly pmt: $24.17 per $1,000	Apply Here
60 Months	7.49% APR	Est. monthly pmt: $20.03 per $1,000	Apply Here
*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 available. Payment examples assume $0.00 down payment. All loans subject to credit approval.

Learn more on our Motorcycle Loans page.

Boat Loans
Effective Date: Sunday, January 19th, 2020
Account Type	Amount	% Financed	Annual Percentage Rate (APR) as low as*	Comments	Application
Up to 10 Years	$15,000 - $24,999	Up to 90%	7.50%	Est. monthly pmt: $11.87 per $1,000	Apply Here
Up to 15 Years	$25,000 - $49,999	Up to 90%	5.75%	Est. monthly pmt: $8.30 per $1,000	Apply Here
Up to 20 Years	$50,000 - $100,000	Up to 90%	5.24%	Est. monthly pmt: $6.73 per $1,000	Apply Here
*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. Payment example assume $0.00 down payment. Additional rates and terms are available. All loans subject to credit approval.

Learn more on our Boat Loan page.

RV Loans
Effective Date: Sunday, January 19th, 2020
Account Type	% Financed	Annual Percentage Rate (APR) As Low As*	Comments	Application
RVs - 36 Months	Up to 100%	7.00% APR	Est. monthly pmt: $30.88 per $1,000	Apply Here
RVs - 48 Months	Up to 100%	7.50% APR	Est. monthly pmt: $24.18 per $1,000	Apply Here
RVs - 60 Months	Up to 100%	8.00% APR	Est. monthly pmt: $20.28 per $1,000	Apply Here
RVs - 72 Months	Up to 80%	8.25% APR	Est. monthly pmt: $17.66 per $1,000	Apply Here
RVs - 96 Months	Up to 80%	8.25% APR	Est. monthly pmt: $14.26 per $1,000	Apply Here
*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. Payment example assume $0.00 down payment. Additional rates and terms are available. RV loans over 60 months and $50,000 require 20% down. All loans subject to credit approval.

Learn more on our RV Loan page.

Sea Doos, Snowmobiles, ATVs & Farm Equipment
Effective Date: Sunday, January 19th, 2020
Term	Annual Percentage Rate (APR) As Low As*	Comments	Application
36 Months	8.25% APR	Est. monthly pmt: $31.45 per $1,000	Apply Here
48 Months	8.50% APR	Est. monthly pmt: $24.65 per $1,000	Apply Here
60 Months	8.75% APR	Est. monthly pmt: $20.64 per $1,000	Apply Here
*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 available. Payment examples assume $0.00 down payment. All loans subject to credit approval.

Learn more on our Sea Doos, Snowmobiles, ATVs and Farm Equipment Loans page.

Bellwether VISA Platinum
Effective Date: Sunday, January 19th, 2020
Account Type	Annual Percentage Rate (APR) As Low As	Application
VISA Platinum	11.49% APR, 13.49% APR, 15.49% APR, 17.49% APR, 19.49% APR, 21.49% APR or Variable	Apply Here
VISA Special¹	2.99% for the first 12 months 11.49%, 13.49%, 15.49%, 17.49%, 19.49% or 21.49% thereafter	Apply Here
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, Fees, and Card Agreement. 1. Special Introductory Rate is available for well qualified borrowers and new VISA accounts only.
Disclosure Info

Learn more on our VISA page.

Personal Loans/Lines
Effective Date: Sunday, January 19th, 2020
Account Type	Annual Percentage Rate (APR) As Low As*	Comments	Application
Personal Line of Credit	11.14% APR		Apply Here
Personal Loan up to 36 Month Term	9.15% APR	Est. monthly pmt: $31.87 per $1,000	Apply Here
Personal Loan 48 Month Term	9.65% APR	Est. monthly pmt: $25.20 per $1,000	Apply Here
Personal Loan 60 Month Term	10.15% APR	Est. monthly pmt: $21.32 per $1,000	Apply Here
Energy Loan up to 36 Month Term	8.15% APR	Est. monthly pmt: $31.41 per $1,000	Apply Here
Energy Loan 48 Month Term	8.65% APR	Est. monthly pmt: $24.72 per $1,000	Apply Here
Energy Loan 60 Month Term	9.15% APR	Est. monthly pmt: $20.83 per $1,000	Apply Here
*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. Rates for members without Loyalty Rewards checking would be .10% higher. 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.

Learn more on our Personal Loans page.

Share Secured Loan/Line
Effective Date: Sunday, January 19th, 2020
Account Type	% Financed	Comments	Application
Share Secured Loan	Up to 90%	Various terms and payment options available. Please call for details.	Apply Here
Share Secured Line of Credit	Up to 90%	Various terms and payment options available. Please call for details.	Apply Here

Learn more on our Share Secured Loan/Line page.

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