Rates and Disclosures | BCCU

Member Notice

As a thank you to our staff, Bellwether Community Credit Union will be closing its branches and contact center early on Tuesday, June 7th at 3 p.m. for an Employee Appreciation Event. Online banking and our mobile app will be available. We will resume normal business hours on Wednesday, June 8th. Rain date is scheduled for Tuesday, June 14th. Click here for more information.


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Rates And Disclosures For Deposits and loans

Great Rate Award

 

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 TypeDividend RateAnnual 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
TermDividend 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 TypeDividend 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 TypeDividend RateAnnual 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
Get Quotes Apply Now
Payments shown below do not include taxes or insurance. Your payment may be greater.
Account TypeRateTermAnnual 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
Get Quotes Apply Now
Payment examples shown below do not include taxes or insurance. Your payment may be greater.
Account TypeRateAnnual 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% FinancedAnnual Percentage Rate (APR) As Low AsApplication
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 YearTerm% FinancedAnnual Percentage Rate (APR) As Low As*CommentsApplication
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 YearTermAnnual Percentage Rate (APR) As Low AsCommentsApplication
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 TypeAmount% FinancedAnnual Percentage Rate (APR) as low as*CommentsApplication
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% FinancedAnnual Percentage Rate (APR) As Low As*CommentsApplication
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
TermAnnual Percentage Rate (APR) As Low As*CommentsApplication
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 TypeAnnual Percentage Rate (APR) As Low AsApplication
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 TypeAnnual Percentage Rate (APR) As Low As*CommentsApplication
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% FinancedCommentsApplication
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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