Rates And Disclosures For Deposits and loans
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
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. |
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.
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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.
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 |
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.) | |
2022 - 2020 | 67-75 Months | Up to 120% | 3.29% APR | Est. monthly pmt: $14.77 per $1,000 for 75 months | |
2022 - 2020 | 76-84 Months | Up to 120% | 4.34% APR | Est. monthly pmt: $13.84 per $1,000 for 84 months | |
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.) | |
2019 - 2016 | 67-75 Months | Up to 120% | 3.79% APR | Est. monthly pmt: $15.00 per $1,000 for 75 months | |
2019 - 2016 | 76-84 Months | Up to 120% | 4.89% APR | Est. monthly pmt: $14.08 per $1,000 for 84 months | |
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.) | |
2015 - 2013 | 67-75 Months | Up to 120% | 4.39% APR | Est. monthly pmt: $15.27 per $1,000 for 75 months | |
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.) | |
*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. |
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 | |
2022 - 2020 | 67 - 75 Months ($10k min) | 4.49% APR | Est. monthly pmt: $15.32 per $1,000 | |
Vehicle Years 2019 through 2016 | ||||
2019 - 2016 | 0 - 66 Months | 4.39% APR | Est. monthly pmt: $17.08 per $1,000 | |
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. |
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 | |
85-180 Months | $25,000 minimum | Up to 95% | 5.59% | Est. monthly pmt: $8.22 per $1,000 | |
181-240 Months | $50,000 minimum | Up to 95% | 5.84% | Est. monthly pmt: $7.07 per $1,000 | |
*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. |
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 | |
RVs - 73-120 Months $25,000 minimum |
Up to 95% | 5.59% APR | Est. monthly pmt: $10.90 per $1,000 | |
RVs - 121-180 Months $50,000 minimum |
Up to 95% | 5.84% APR | Est. monthly pmt: $8.35 per $1,000 | |
*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. |
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 | |
43-54 Months | 5.09% APR | Est. monthly pmt: $20.65 per $1,000 | |
55-60 Months | 5.34% APR | Est. monthly pmt: $19.03 per $1,000 | |
*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 |
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 | ||
Personal Loan 0-42 Month Term | 8.25% APR | Est. monthly pmt: $27.49 per $1,000 | |
Personal Loan 43-54 Month Term | 8.75% APR | Est. monthly pmt: $22.47 per $1,000 | |
Personal Loan 55-60 Month Term | 9.25% APR | Est. monthly pmt: $20.88 per $1,000 | |
Energy Loan 0-42 Month Term | 7.75% APR | Est. monthly pmt: $27.26 per $1,000 | |
Energy Loan 43-54 Month Term | 8.25% APR | Est. monthly pmt: $22.23 per $1,000 | |
Energy Loan 55-60 Month Term | 8.75% APR | Est. monthly pmt: $20.64 per $1,000 | |
*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. |
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. | |
Share Secured Line of Credit | Up to 90% | Various terms and payment options available. Please call for details. |