What’s New

Go from 'Idea' to 'I love it!' Home Equity Loans starting at 3.25% APR!* 

Home improvements are a wise investment in any economy. Another wise choice is a Belco Home Equity Loan or Home Equity Line of Credit (HELOC). Right now, rates start at 3.25% APR* on a variable rate Line of Credit, and 5.49% APR** on a fixed rate loan with no appraisal fees, points or application costs.

Plus, enjoy same-day pre-approvals and easy payment options, including automatic transfer from your Belco account. Your interest payments on a home equity loan may even be tax deductible; consult your tax advisor.

For current home equity loan rates, click here. To apply, stop by any branch, call 1-800-642-4482, or click here to apply online. 

*Annual Percentage Rate. Variable rate subject to change quarterly. Rate based on loan-to-value (LTV) up to 80%; current rate for loans with LTV up to 90% is 4.50% APR. Rates vary depending on LTV. All loans subject to credit approval. **Annual Percentage Rate subject to change. Rate quoted includes a .25% deduction for automatic payment from a Belco account. Rate based on a loan amount of $50,000 or greater with a LTV up to 80%. Minimum $5,000 new money required if loan is being refinanced. Rate may differ depending on creditworthiness, LTV, loan amount and term of the loan. All loans subject to credit approval.

Let Your Savings Shine - Our Precious Gems MMAs work hard for your money!

All three Precious Gems Accounts combine the liquidity, flexibility and accessibility of a checking account wiht a more attractive yield than a traditional savings account:

  • Sapphire Money Market Account - 1.00% APY* (min. balance of $25,000 required to open account and earn interest)
  • Ruby Money Market Account - 1.15% APY* (min. balance of $50,000 required to open account and earn interest)
  • Diamond Money Market Account - 1.30% APY* (min. balance of $75,000 required to open account and earn interest)

Additional account features for your convenience:

  • Dividends credited monthly
  • Payroll deduction or automatic transfers available
  • Balances, transfers and account histories can be obtained 24/7 online or via our automated telephone service

*Annual Percentage Yield effective as of 12/1/09. Rates subject to change.

Hit the Road - See us for Auto Loan rates starting at 3.99% APR!* 

A Belco Auto Loan will get you on the road in the new or used vehicle of your choice.Qualified members will receive financing rates starting at 3.99% APR* on new vehicles and 4.99% APR* on used vehicles. Both of these rates are available on loan terms up to 60 months!

When you apply, be sure to inquire about the convenience of AutoDraft!+ AutoDraft pre-approves you for an auto loan before you make the purchase! It is an actual check for up to your prequalified loan amount. Get pre-approved today, and use the draft when you're ready to purchase a vehicle. Lock in your rate the time of pre-approval and it's guaranteed for 30 days, even if rates go up. No interest accrues until after you've signed the draft over to the dealer.

Want more convenience? How about automatic payment transfer and no setup fees or pre-payment penalties? You can also choose to add valuable optional services, such as Credit Life and Disability Protection and Guaranteed Auto Protection (GAP) Insurance.

For current auto loan rates, click here. To apply, stop by any branch, call 1-800-642-4482, or click here to apply online.

*APR=Annual Percentage Rate shown available for loans up to 60 months and requires automatic payment transfer from a Belco account. Rates subject to change. All loans subject to credit approval. Does not apply to refinancing of any existing Belco loans.

+AutoDraft void after 30 days. AutoDraft may not be used for sales between private parties or as a downpayment on a vehicle purchase. Credit restrictions apply; contact the credit union to be pre-approved.