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Bellco Credit Union Rates & Review March 2026

Bellco Credit Union's 6 month CD rates are at 3.90%, 6 month Jumbo CD rates are at 3.90%, Business CDs 6 month rates are at 3.90%, IRA Jumbo CDs 6 month rates are at 3.90%, 6 month Traditional CD rates are at 3.90%. Bellco Credit Union's savings rates are at 0.05%. Bellco Credit Union's money market rates are at 0.00%. Bellco Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Bellco Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.87%. Rates were last updated on 03/25/2026.

Bellco 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 Bellco Credit Union? Share your experience about Bellco Credit Union by leaving a review below, or read customer reviews before you decide to use Bellco Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.87%
Excellent Lower than avg
Bellco Credit Union
Bellco Credit Union
7600 E Orchard Rd
Greenwood Village, CO 80111
https://www.bellco.org
Member NCUA

Bellco Credit Union CD Rates

Product Rate APY Term View More
6 month Certificate - 3.90% 6 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
6 month Jumbo CD - 3.90% 6 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business CDs 6 month 3.83% 3.90% 6 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
IRA Jumbo CDs 6 month 3.83% 3.90% 6 Months
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
6 month Traditional CD 3.83% 3.90% 6 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
12 month Certificate - 3.70% 12 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
12 month Jumbo CD - 3.70% 12 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business CDs 12 month 3.64% 3.70% 12 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
HSA CD 12 month 3.64% 3.70% 12 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
IRA Jumbo CDs 12 month 3.64% 3.70% 12 Months
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Promotional CD1 13 month 3.64% 3.70% 13 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
12 month Traditional CD 3.64% 3.70% 12 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
12-month Youth CD - 3.70% 12-month
Min Deposit $50
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Youth CD 12 month 3.64% 3.70% 12 Months
Min Balance $50
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business CDs 24 month 3.54% 3.60% 24 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
HSA CD 24 month 3.54% 3.60% 24 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Promotional CD1 17 month 3.54% 3.60% 17 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
24 month Traditional CD 3.54% 3.60% 24 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business CDs 36 month 3.35% 3.40% 36 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business CDs 60 month 3.35% 3.40% 60 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
HSA CD 36 month 3.35% 3.40% 36 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
HSA CD 60 month 3.35% 3.40% 60 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Smart Move 24 Month CD - 3.40% 24
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Smart Move 30 Month CD - 3.40% 30
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
24 month Smart Move CD2 3.35% 3.40% 24 Months
Min Deposit $2,500
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
36 month Traditional CD 3.35% 3.40% 36 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Smart Move 36 Month CD - 3.15% 36
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
36 month Smart Move CD2 3.11% 3.15% 36 Months
Min Deposit $2,500
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business CDs 3 month 2.72% 2.75% 3 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
3 month Traditional CD 2.72% 2.75% 3 Months
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Smart Move 18 Month CD - 2.40% 18
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
18 month Smart Move CD2 2.37% 2.40% 18 Months
Min Deposit $2,500
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%

Bellco Credit Union Savings Rates

Product Rate APY View More
Savings Account 3.20% 3.25%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Youth Savings - 3.25%
Details Qualifying balance up to $1,000.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Savings Account 2.66% 2.70%
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Savings Account 2.23% 2.25%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Savings Account 0.10% 0.10%
Min Balance $25
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Basic Business Savings Account - 0.05%
Min Balance $100
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%

Bellco Credit Union Money Market Rates

Product Rate APY View More
Business Money Market Account - 3.25%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business Premier Money Market Account - 3.25%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Premier Money Market Account 3.20% 3.25%
Min Deposit $10,000
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business Premier Money Market Account - 2.70%
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Member Money Market Account 2.66% 2.70%
Min Deposit $1,000
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Premier Money Market Account 2.66% 2.70%
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Member Money Market Account 2.32% 2.35%
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business Money Market Account - 2.25%
Details Qualifying balance up to $50,000.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business Premier Money Market Account - 0.00%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Member Money Market Account - 0.00%
Min Deposit $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Premier Money Market Account - 0.00%
Min Deposit $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%

Bellco Credit Union Checking Rates

Product Rate APY View More
Boost Interest Checking 4.41% 4.50%
Details Qualifying balance up to $25,000.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
HSA Checking 0.20% 0.20%
Min Balance $25,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
HSA Checking 0.15% 0.15%
Min Balance $2,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Platinum Checking 0.15% 0.15%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
HSA Checking 0.10% 0.10%
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Platinum Checking 0.10% 0.10%
Min Balance $25,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
HSA Checking 0.05% 0.05%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Platinum Checking 0.05% 0.05%
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Platinum Checking 0.03% 0.03%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%

Bellco Credit Union Mortgage Rates

Product Rate Points APR Term View More
ChoiceLine - Variable - - 6.75%
Details 120-month Draw Period followed by a 120-month Repayment Period (see ChoiceLine-Fixed for Repayment Period pricing). Revolving line of credit. Secured by a Colorado residence. Minimum payment of $50 (Draw Period and Repayment Period). Floor rate is 3.75%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%

Bellco Credit Union Credit Card Rates

Product Rate APR View More
Bellco Credit Card - 1.99%
Details Intro rate expires: 12 months; Regular APR: 13.00% - 21%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Credit Card - 1.99%
Details Intro rate expires: 12 months; Regular APR: 13.00% - 21%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Bellco Credit Card - 3.99%
Details Intro rate expires: 12 months; Regular APR: 15.00% - 21%; 15,000 Bonus Points with $500 of Purchases within 90 days of account opening.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Business Visa Credit Card - 13.49%
Details Regular APR: 13.49% to 21%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Blue Diamond Visa Signature® - 15.00%
Details Regular APR: 15.00% to 21% variable APR; $200 Bonus Cash Back with $2,000 in Purchases within 90 days of account opening*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Credit Card - 21.00%
Details Regular APR: 21%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%

Bellco Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - Fixed - 10.99%
Details Up to 60 months. Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%
Personal Line of Credit - Variable - 16.40%
Details Revolving line of credit. Minimum payment is the greater of $50 or 2.5% of the balance, plus accrued interest. Credit limit starting at $500.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.87%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Bellco 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 Bellco 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 Bellco Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bellco Credit Union
Address 7600 E Orchard Rd, Greenwood Village, CO 80111
Phone 303-689-7800
Fax
President Steven Angelier
CEO Doug Ferraro
Full-Time Employees 458
Part-Time Employees 2
Branch Locations 28
ATM Locations 31
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.87%
Return on Assets (ROA)
0.6347%
Return on Equity (ROE)
6.4938%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
8,510,010,131
Total Amount of Shares and Deposits
6,809,211,787
Total Shares and Deposits < 1 Year
6,591,450,579
Total Shares and Deposits 1 3 Years
168,917,533
Total Shares and Deposits > 3 Years
48,843,676
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,115,821,327
Total Uninsured Shares and Deposits > $250K (F+J)
1,115,821,327
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,693,390,460
Total Interest Expense (Sum of items 6 8)
163,517,451
Share Certificates
46,621
Number of Accounts for Share Drafts
226,672
IRA KEOGH Accounts
9,524
Number of Accounts for Regular Shares
584,424
All other shares
2,782
Non Member Deposits
99
Money Market Shares
35,202
Net Income (unless the amount is already included in Undivided Earnings)
54,015,629
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
684,603,901
Total Liabilities
7,691,539,220
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Bellco Credit Union

Is Bellco Credit Union a safe place to deposit money?

Yes, Bellco Credit Union is considered a safe financial institution. With a Texas Ratio of 4.8663200930462%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Bellco Credit Union operate?

Bellco 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 Bellco Credit Union?

Yes, to access services at Bellco 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, Bellco 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, Bellco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Bellco Credit Union offer online and mobile banking?

Most modern institutions like Bellco 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.bellco.org.

Current Bellco Credit Union Rates

  • 12-Month CD3.70%
  • 18-Month CD2.40%
  • 24-Month CD3.40%
  • 60-Month CD3.40%
  • Savings0.05%
  • MMA0.00%
Retrieved from our database of financial products. Rates subject to change.