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iAdvertiser Disclosure
Advertiser Disclosure
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 Belco Community Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Belco Community Credit Union's 16-Month IRA CD rates are at 3.60%. Belco Community Credit Union's Personal Loan Rates are as low as 9.99%. Belco Community Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Belco Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.06%. Rates last updated and verified on 10/30/2026. Belco Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Belco Community Credit Union? Share your experience about Belco Community Credit Union by leaving a review below, or read customer reviews before you decide to use Belco Community Credit Union. Belco Community Credit Union
Operations Center 449 Eisenhower Blvd
https://www.belco.org Harrisburg, PA 17111  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Belco Community Credit Union CD Rates
Belco Community Credit Union Home Equity & HELOC
Belco Community Credit Union Personal Loan Rates
Financial Health HistoryBelco Community Credit Union’s Texas Ratio fell from 8.10% in Q3 2023 to 3.06% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Belco Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Belco Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Belco Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Belco Community Credit Union
Website
https://www.belco.org
Address
449 Eisenhower Blvd,
Harrisburg, PA 17111
Phone
717-232-3526
Fax
President
Terry Hessler
CEO
Amey Sgrignoli
Full-Time Employees
213
Part-Time Employees
3
Branch Locations
12
ATM Locations
10
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.06%
Return on Assets (ROA)
0.4741%
Return on Equity (ROE)
4.4148%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
974,427,376
Total Amount of Shares and Deposits
879,402,869
Total Shares and Deposits < 1 Year
866,743,309
Total Shares and Deposits 1 3 Years
10,986,993
Total Shares and Deposits > 3 Years
1,672,567
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,616,239
Total Uninsured Shares and Deposits > $250K (F+J)
34,616,239
Total Insured Shares and Deposits > $250K (item 17 less item K)
844,786,630
Total Interest Expense (Sum of items 6 8)
5,897,199
Share Certificates
8,852
Number of Accounts for Share Drafts
51,447
IRA KEOGH Accounts
2,034
Number of Accounts for Regular Shares
120,709
All other shares
103
Non Member Deposits
82
Money Market Shares
9,520
Net Income (unless the amount is already included in Undivided Earnings)
4,619,792
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
103,182,143
Total Liabilities
901,834,557
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Belco Community Credit UnionDoes Belco Community Credit Union offer CDs?Yes. Belco Community Credit Union current CD rates include its 16-Month IRA CD at 3.60% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Belco Community Credit Union NCUA insured?Yes. Belco Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Belco Community Credit Union?The highest Belco Community Credit Union CD rate is its 16-Month IRA CD at 3.60% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Belco Community Credit Union offer?Belco Community Credit Union CD rates are 3.60% APY for a 16 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Belco Community Credit Union for its full lineup. What is the lowest personal loan rate at Belco Community Credit Union?The lowest Belco Community Credit Union personal loan rate is its Unsecured Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Belco Community Credit Union operate?Belco Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Belco Community Credit Union?Yes, to access services at Belco Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Belco Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Belco Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Belco Community Credit Union offer online and mobile banking?Most modern institutions like Belco Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.belco.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Belco Community Credit Union rates compare?Belco Community Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. Belco Community Credit Union's top rates are its 16-Month IRA CD at 3.60% APY and its Unsecured Personal Loan at 9.99% APR, verified by MonitorBankRates on October 30, 2026. Compare to Other Credit Unions
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