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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

Savings
Effective Date: Thursday, May 26th, 2022
Account Type	Dividend Rate	Annual Percentage Yield (APY)	Comments
Primary Share Savings	.01%	0.01% APY
Secondary Savings	.01%	0.01% APY
Club Accounts	.01%	0.01% APY
Save It Today! Kid's Club	.45% .01%	0.45% APY 0.01% 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.

Learn more on our Savings page.

Certificates
Effective Date: Thursday, May 26th, 2022
Term	Dividend Rate*	Annual Percentage Yield (APY)*	Min Balance
6 Month	.25%	.25% APY	$500.00
12 Month	.30%	.30% APY	$500.00
24 Month	.50%	.50% APY	$500.00
36 Month	.65%	.65% APY	$500.00
48 Month	.70%	.70% APY	$500.00
60 Month	.80%	.80% APY	$500.00
Rates shown include a Loyalty Pays Premium Certificate Rate bonus of .05% to the 12 and 24 month certificates and a .10% bonus to the 36, 48, and 60 month certificates. 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.

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

Learn more on our Certificates page.

IRAs
Effective Date: Thursday, May 26th, 2022
Account Type	Dividend Rate*	Annual Percentage Yield (APY)*	Min Balance
IRA Savings	0.01%	0.01% APY	$100.00
6 Month IRA Certificate	.25%	.25% APY	$500.00
12 Month IRA Certificate	.30%	.30% APY	$500.00
24 Month IRA Certificate	.50%	.50% APY	$500.00
36 Month IRA Certificate	.65%	.65% APY	$500.00
48 Month IRA Certificate	.70%	.70% APY	$500.00
60 Month IRA Certificate	.80%	.80% APY	$500.00
Rates shown include a Loyalty Pays Premium Certificate Rate bonus of .05% to the 12 and 24 month certificates and a bonus of .10% to the 36, 48, and 60 month certificates. 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 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.

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: Thursday, May 26th, 2022

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: Thursday, May 26th, 2022
Account Type	Dividend Rate	Annual Percentage Yield (APY)	Comments
Premier Money Market	.40%	.40% APY*	Average Daily Balance $100,000+
	.05%	0.05% APY	Average Daily Balance $2,500.00 - $99,999.99
*Annual Percentage Yield (APY) of .40% 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 $2,500 minimum to open this account. If your average daily balance is less than $100,000, the account will earn .05% APY, balances under the minimum of $2,500 will not earn any interest. The promotional rate of .40% 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 4/1/2021 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	.30%	0.30% APY	Average Daily Balance $100,000+
	.15%	0.15% APY	Average Daily Balance $50,000.00 - $99,999.99
	.05%	0.05% APY	Average Daily Balance $10,000.00 - $49,999.99
	.05%	0.05% APY	Average Daily Balance $2,500.00 - $9,999.99
	.00%	0.00% APY	Average Daily Balance $0.00 - $2,499.99
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.

Learn more on our Money Market page.

Loan Rates

Conforming Fixed Rate Mortgages*
Effective Date: Thursday, May 26th, 2022
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	5.125%	30 yrs	5.210% APR	360 monthly payments of $1,088.97*
20 Year Fixed w/0 points	4.750%	20 yrs	4.863% APR	240 monthly payments of $1,292.45*
15 Year Fixed w/0 points	4.375%	15 yrs	4.442% APR	180 monthly payments of $1,517.24*
10 Year Fixed w/0 points	4.125%	10 yrs	4.221% APR	120 monthly payments of $2,036.81*
* 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: Thursday, May 26th, 2022
Payment examples shown below do not include taxes or insurance. Your payment may be greater.
Account Type	Rate	Annual Percentage Rate (APR) As Low As*
1/1 ARM CMT	2.990%	2.958% APR
3/1 ARM CMT	2.990%	2.974% APR
Seasonal Home 5/1 ARM CMT	4.000%	3.816% APR
5/1 ARM CMT	3.250%	3.079% APR
5/5 ARM CMT	3.750%	3.187% APR
Easy Start 5/5 ARM CMT	3.625%	3.187% APR
7/1 ARM CMT	4.500%	3.719% APR
10/1 ARM CMT	4.500%	3.966% APR
Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable. The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change. The 1/1 ARM offers a fixed rate for 1 year and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap. The 3/1 ARM offers a fixed rate for 3 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap. The Seasonal Home 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 3.50 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap. The 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap. The 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap. The Easy Start 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap. The 7/1 ARM offers a fixed rate for 7 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap. The 10/1 ARM offers a fixed rate for 10 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap. For 1 - 4 family owner-occupied residence, condo and one-unit second homes.

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 12/3/2021: 0.25, 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: Thursday, May 26th, 2022
Account Type	% Financed	Annual Percentage Rate (APR) As Low As	Application
Hybrid Home Equity Line	Up to 85%	2.99% APR* Fixed for 12 Months 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 + 2.50% (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 4/1/22, 3.50%) 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 4/1/22 was 3.50%. The variable APR will not exceed 18%. Offer is for new BCCU lines only. Floor rate dependent on creditworthiness. Home Equity Line: Rates as low as Prime - 0.25%. Prime as of 4/1/22 was 3.50%. Homeowner's insurance is required. All loans subject to credit approval. Floor rate dependent on creditworthiness. *Home Equity Plus Line of Credit: Maximum 100% combined loan-to-value ratio. Rates are as low as Prime +2.50%. Prime as of 4/1/22 was 3.50%. The variable APR will not exceed 18%. Floor rate dependent on creditworthiness.
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: Thursday, May 26th, 2022
Vehicle Year	Term	% Financed	Annual Percentage Rate (APR) As Low As*	Comments	Application
Vehicle Years 2022 through 2020
2022 - 2020	0-66 Months	Up to 120%	2.99% APR	Est. monthly pmt: $16.45 per $1,000 (66 mos.)	Apply Here
2022 - 2020	67-75 Months	Up to 120%	3.29% APR	Est. monthly pmt: $14.77 per $1,000 for 75 months	Apply Here
2022 - 2020	76-84 Months	Up to 120%	4.34% APR	Est. monthly pmt: $13.84 per $1,000 for 84 months	Apply Here
Vehicle Years 2019 through 2016
2019 - 2016	0-66 Months	Up to 120%	3.24% APR	Est. monthly pmt: $16.56 per $1,000 (66 mos.)	Apply Here
2019 - 2016	67-75 Months	Up to 120%	3.79% APR	Est. monthly pmt: $15.00 per $1,000 for 75 months	Apply Here
2019 - 2016	76-84 Months	Up to 120%	4.89% APR	Est. monthly pmt: $14.08 per $1,000 for 84 months	Apply Here
Vehicle Years 2015 through 2013
2015 - 2013	0-66 Months	Up to 120%	3.84% APR	Est. monthly pmt: $16.83 per $1,000 (66 mos.)	Apply Here
2015 - 2013	67-75 Months	Up to 120%	4.39% APR	Est. monthly pmt: $15.27 per $1,000 for 75 months	Apply Here
Vehicle Years 2012 and Older
2012 & older	0-60 Months	Up to 100%	5.89% APR	Est. monthly pmt: $19.28 per $1,000 (60 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. 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: Thursday, May 26th, 2022
Vehicle Year	Term	Annual Percentage Rate (APR) As Low As	Comments	Application
Vehicle Years 2022 through 2020
2022 - 2020	0 - 66 Months	3.49% APR	Est. monthly pmt: $16.67 per $1,000	Apply Here
2022 - 2020	67 - 75 Months ($10k min)	4.49% APR	Est. monthly pmt: $15.32 per $1,000	Apply Here
Vehicle Years 2019 through 2016
2019 - 2016	0 - 66 Months	4.39% APR	Est. monthly pmt: $17.08 per $1,000	Apply Here
2019 - 2016	67 - 75 Months ($10k min)	5.49% APR	Est. monthly pmt: $15.78 per $1,000	Apply Here
Vehicle Years 2015 through 2013
2015 - 2013	0 - 66 Months	5.59% APR	Est. monthly pmt: $17.63 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. 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: Thursday, May 26th, 2022
Account Type	Amount	% Financed	Annual Percentage Rate (APR) as low as*	Comments	Application
0-84 Months	$5,000 minimum	Up to 95%	4.59%	Est. monthly pmt: $13.94 per $1,000	Apply Here
85-180 Months	$25,000 minimum	Up to 95%	5.59%	Est. monthly pmt: $8.22 per $1,000	Apply Here
181-240 Months	$50,000 minimum	Up to 95%	5.84%	Est. monthly pmt: $7.07 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. 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: Thursday, May 26th, 2022
Account Type	% Financed	Annual Percentage Rate (APR) As Low As*	Comments	Application
RVs - 0-72 Months $5,000 minimum	Up to 95%	4.59% APR	Est. monthly pmt: $15.92 per $1,000	Apply Here
RVs - 73-120 Months $25,000 minimum	Up to 95%	5.59% APR	Est. monthly pmt: $10.90 per $1,000	Apply Here
RVs - 121-180 Months $50,000 minimum	Up to 95%	5.84% APR	Est. monthly pmt: $8.35 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. Payment example assume $0.00 down payment. Additional rates and terms are available. All loans subject to credit approval.

Learn more on our RV Loan page.

Sea Doos, Snowmobiles, ATVs & Farm Equipment
Effective Date: Thursday, May 26th, 2022
Term	Annual Percentage Rate (APR) As Low As*	Comments	Application
0-42 Months	4.84% APR	Est. monthly pmt: $25.93 per $1,000	Apply Here
43-54 Months	5.09% APR	Est. monthly pmt: $20.65 per $1,000	Apply Here
55-60 Months	5.34% APR	Est. monthly pmt: $19.03 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. 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 Credit Cards
Effective Date: Thursday, May 26th, 2022
Account Type	Annual Percentage Rate (APR) As Low As	Application
VISA Smart Rate	1.99% APR for the first 12 months 9.24% APR to 19.24% APR thereafter	Apply Here
VISA Smart Rewards	2.99% APR for the first 12 months 11.24% APR to 21.24% APR thereafter	Apply Here
VISA Smart Cash	3.99% APR for the first 12 months 13.24% APR to 23.24% APR thereafter	Apply Here
VISA Simply Secured	15.50% APR, varies with the market based on the Prime Rate	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 Card Agreement.
Disclosure Info

Learn more on our VISA page.

Personal Loans/Lines
Effective Date: Thursday, May 26th, 2022
Account Type	Annual Percentage Rate (APR) As Low As*	Comments	Application
Personal Line of Credit	11.24% APR		Apply Here
Personal Loan 0-42 Month Term	8.25% APR	Est. monthly pmt: $27.49 per $1,000	Apply Here
Personal Loan 43-54 Month Term	8.75% APR	Est. monthly pmt: $22.47 per $1,000	Apply Here
Personal Loan 55-60 Month Term	9.25% APR	Est. monthly pmt: $20.88 per $1,000	Apply Here
Energy Loan 0-42 Month Term	7.75% APR	Est. monthly pmt: $27.26 per $1,000	Apply Here
Energy Loan 43-54 Month Term	8.25% APR	Est. monthly pmt: $22.23 per $1,000	Apply Here
Energy Loan 55-60 Month Term	8.75% APR	Est. monthly pmt: $20.64 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. 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: Thursday, May 26th, 2022
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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