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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Bellco Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: September 22, 2026
Bellco Credit Union's 60 Month Business CDs rates are at 4.10%, 60 Month HSA CD rates are at 4.10%, 60 Month HSA CD rates are at 4.10%, 60 Month Traditional CD rates are at 4.10%, 60 Month Traditional CD rates are at 4.10%. Bellco Credit Union's savings rates are at 0.05%. Bellco Credit Union's money market rates are at 2.25%. Bellco Credit Union's Personal Loan Rates are as low as 9.50%. 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 2.73%. Rates last updated and verified on 09/22/2026.
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.
Bellco Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Bellco Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.73%
ExcellentLower than avg
Bellco Credit Union Texas Ratio
Bellco Credit Union's Texas Ratio is 2.73%, which is considered excellent and is lower than the national average of 6.13%.
Bellco Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.27% to 2.73% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsContributions may be tax-deductible** Tax-deferred dividend earnings with competitive interest rates Tax-free withdrawals if you use funds for qualified expenses Easy access to funds with HSA debit card and checks
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
60 Month Traditional CD
4.02%
4.10%
60 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
60 Month Traditional CD
-
4.10%
60 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
60 month CD
-
4.10%
60 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
36 Month Business CDs
3.98%
4.05%
36 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
36 Month HSA CD
3.98%
4.05%
36 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
36 Month HSA CD
-
4.05%
36 Months
Min Deposit$500
DetailsContributions may be tax-deductible** Tax-deferred dividend earnings with competitive interest rates Tax-free withdrawals if you use funds for qualified expenses Easy access to funds with HSA debit card and checks
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
36 Month Traditional CD
3.98%
4.05%
36 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
36 Month Traditional CD
-
4.05%
36 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
36 month CD
-
4.05%
36 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
13 Month Certificate
-
4.00%
13 Months
DetailsFeatured CD
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
13 Month Promotional CD
3.93%
4.00%
13 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
13 Month Traditional CD
-
4.00%
13 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
17 Month Certificate
-
4.00%
17 Months
DetailsFeatured CD
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
17 Month Promotional CD
3.93%
4.00%
17 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
17 Month Traditional CD
-
4.00%
17 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
24 Month Business CDs
3.93%
4.00%
24 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
24 Month HSA CD
3.93%
4.00%
24 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
24 Month HSA CD
-
4.00%
24 Months
Min Deposit$500
DetailsContributions may be tax-deductible** Tax-deferred dividend earnings with competitive interest rates Tax-free withdrawals if you use funds for qualified expenses Easy access to funds with HSA debit card and checks
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
24 Month Traditional CD
3.93%
4.00%
24 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
24 Month Traditional CD
-
4.00%
24 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
24 month CD
-
4.00%
24 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Business CDs
3.83%
3.90%
12 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month HSA CD
3.83%
3.90%
12 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month HSA CD
-
3.90%
12 Months
Min Deposit$500
DetailsContributions may be tax-deductible** Tax-deferred dividend earnings with competitive interest rates Tax-free withdrawals if you use funds for qualified expenses Easy access to funds with HSA debit card and checks
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month IRA Jumbo CD
3.83%
3.90%
12 Months
Min Balance$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Jumbo CD
3.83%
3.90%
12 Months
Min Balance$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Traditional CD
3.83%
3.90%
12 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Traditional CD
-
3.90%
12 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Youth CD
3.83%
3.90%
12 Months
Min Balance$50
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Youth CD
-
3.90%
12 Months
Min Deposit$50
DetailsAvailable for members 24 years old and younger-persons under the age of 18 require an adult owner on the account.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Youth Certificate of Deposit
-
3.90%
12 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 month CD
-
3.90%
12 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
6 Month Business CDs
3.78%
3.85%
6 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
6 Month IRA Jumbo CD
3.78%
3.85%
6 Months
Min Balance$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
6 Month Jumbo CD
3.78%
3.85%
6 Months
Min Balance$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
6 Month Traditional CD
3.78%
3.85%
6 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
6 Month Traditional CD
-
3.85%
6 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
6 month CD
-
3.85%
6 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
24 Month Smart Move CD
3.35%
3.40%
24 Months
Min Deposit$2,500
Min Balance$1,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
30 Month Smart Move CD
3.35%
3.40%
30 Months
Min Deposit$2,500
Min Balance$1,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
36 Month Smart Move CD
3.11%
3.15%
36 Months
Min Deposit$2,500
Min Balance$1,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
3 Month Business CDs
2.72%
2.75%
3 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
3 Month Traditional CD
2.72%
2.75%
3 Months
Min Balance$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
3 Month Traditional CD
-
2.75%
3 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
3 month CD
-
2.75%
3 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
18 Month Smart Move CD
2.37%
2.40%
18 Months
Min Deposit$2,500
Min Balance$1,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Bellco Credit Union Savings Rates
Product
Rate
APY
View More
Youth Savings
3.20%
3.25%
Min Balance$0
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Youth Savings
3.20%
3.25%
Min Balance$1,000
DetailsPublished APY range: 3.25%-0.50%*; Published rate range: 3.20%-0.50%.
DetailsQualifications Required: 15 debit card purchases per month; at least one direct-deposit transaction per month; log in to Online or Mobile Banking at least once per month; Balances up to and including $25,000. For balances greater than $25,000, the APY may range from 0.25% to 4.50%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Boost Interest Checking
0.25%
0.25%
Min Balance$25,000
DetailsPublished APY range: 0.25% - 4.50%*; Published rate range: 0.25% - 4.41%. Qualifications Required: Qualifications Required; 0.25% - 4.50%*; Balance: $25,000.01+; APY is a range
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Boost Interest Checking
-
0.25%
Min Balance$25,000
DetailsPublished APY range: 0.25% - 4.50%. Qualifications Required: 15 debit card purchases per month; at least one direct-deposit transaction per month; log in to Online or Mobile Banking at least once per month; Balances greater than $25,000. If requirements are met on balances greater than $25,000, the APY may range from 0.25% to 4.50%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
HSA Checking
0.20%
0.20%
Min Balance$25,000
DetailsBalance: $25,000+
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
HSA Checking
0.15%
0.15%
Min Balance$2,500
DetailsBalance: $2,500.00-$9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
HSA Checking
0.15%
0.15%
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Platinum Checking
0.15%
0.15%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
HSA Checking
0.10%
0.10%
Min Balance$500
DetailsBalance: $500.00-$2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Platinum Checking
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Boost Interest Checking
0.05%
0.05%
DetailsRequirements not met
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
HSA Checking
0.05%
0.05%
Min Balance$0
DetailsBalance: $0-$499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Platinum Checking
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Platinum Checking
0.03%
0.03%
Min Balance$0
DetailsBalance: $0-$2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Platinum Checking
0.03%
0.03%
Min Balance$2,500
DetailsBalance: $2,500-$4,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Platinum Checking
0.03%
0.03%
Min Balance$5,000
DetailsBalance: $5,000-$9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Bellco Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto
-
-
5.24%
DetailsAPR*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Vehicle Type
-
-
5.24%
DetailsThe Annual Percentage Rate (APR) provided above is for well qualified borrowers. The stated APR only applies to auto loans originated in Colorado. Advertised rates are subject to change without notice. All loans are subject to approval. The final APR may vary based on several factors, including personal credit history, term of loan, loan to value and age of auto. You must qualify for membership. Other conditions and restrictions may apply. Please talk to a Loan Consultant to discuss your particular financing needs.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Business Auto
7.24%
-
7.24%
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Bellco Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicles (RVs) Loan
-
9.49%
DetailsAPR*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Motorcycle (Street Legal) Loan
-
10.14%
DetailsAPR*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Bellco Credit Union Personal Loan Rates
Product
APR
Term
View More
Business Unsecured Line of Credit
9.50%
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Unsecured Line of Credit
9.50%
DetailsLoan Type. Variable rates are based on an index plus a margin and may change after account opening. The maximum APR for variable rate loans is 21%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Personal Loan - Fixed
10.99%
Up to 60 months
DetailsMinimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Personal Line of Credit - Variable
16.40%
DetailsRevolving line of credit. Minimum payment is the greater of $50 or 2.5% of the balance, plus accrued interest. Credit limit starting at $500. [2]
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Bellco Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
ChoiceLine - Fixed
-
-
7.25%
up to 240 months
DetailsTerm: up to 240 months, not to exceed the remaining term of the loan; Repayment Period balance at time of conversion will be fixed at the current fixed rate and amortized over 10 years. Have up to 3 fixed rate Sub-accounts at any one time. Secured by a Colorado residence. Minimum advance is $5,000. Rate will decrease by 0.25% for loans in junior lien position. [1]
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
ChoiceLine - Variable Loan
-
-
6.75%
120 months
DetailsTerm: 120-month Draw Period followed by a 120-month Repayment Period; Revolving line of credit. Secured by a Colorado residence. Minimum payment of $50 (Draw Period and Repayment Period). Floor rate is 3.75%. [1] [2]
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
ChoiceLine Loan
-
-
6.75%
120 months
DetailsTerm: 120-month Draw Period followed by a 120-month Repayment Period; Variable Loan. Revolving line of credit. Secured by a Colorado residence. Minimum payment of $50 (Draw Period and Repayment Period). Floor rate is 3.75%. See ChoiceLine-Fixed for Repayment Period pricing. Terms and Conditions
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
ChoiceLine Loan
-
-
7.25%
up to 240 months
DetailsFixed Loan. Repayment Period balance at time of conversion will be fixed at the current fixed rate and amortized over 10 years. Have up to 3 fixed rate Sub-accounts at any one time with a term of up to 240 months, not to exceed the remaining term of the loan. Secured by a Colorado residence. Minimum advance is $5,000. Rate will decrease by 0.25% for loans in junior lien position. Terms and Conditions
DetailsIf requirements are not met, an APY of 0.05% applies to all balances.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
HSA
2.23%
-
2.25%
Min Balance$0
DetailsAPY and interest rates are accurate as of the date listed above and are subject to change without notice. Account earnings could be reduced if fees are added. APY and interest rate may change after account is opened. Rates apply to consumer accounts only. Membership eligibility applies.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
HSA
2.66%
-
2.70%
Min Balance$10,000
DetailsAPY and interest rates are accurate as of the date listed above and are subject to change without notice. Account earnings could be reduced if fees are added. APY and interest rate may change after account is opened. Rates apply to consumer accounts only. Membership eligibility applies.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
HSA
3.20%
-
3.25%
Min Balance$50,000
DetailsAPY and interest rates are accurate as of the date listed above and are subject to change without notice. Account earnings could be reduced if fees are added. APY and interest rate may change after account is opened. Rates apply to consumer accounts only. Membership eligibility applies.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
IRA & Coverdell ESA
2.23%
-
2.25%
Min Deposit$5
Min Balance$0
DetailsBalance: $0-$10,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
IRA & Coverdell ESA
2.66%
-
2.70%
Min Deposit$5
Min Balance$10,000
DetailsBalance: $10,000.01-$25,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
IRA & Coverdell ESA
2.66%
-
2.70%
Min Deposit$5
Min Balance$25,000
DetailsBalance: $25,000.01-$50,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
IRA & Coverdell ESA
3.20%
-
3.25%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000.01-$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
IRA & Coverdell ESA
3.20%
-
3.25%
Min Deposit$5
Min Balance$100,000
DetailsBalance: $100,000.01+
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Financial Health History
Bellco Credit Union’s Texas Ratio stayed near 2.27% in Q2 2023 to 2.73% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
March 31, 2026
$8.6B
2.73%
5.0
A+
December 31, 2025
$8.4B
3.12%
5.0
A+
September 30, 2025
$8.5B
4.02%
5.0
A+
June 30, 2025
$8.5B
4.10%
5.0
A+
March 31, 2025
$8.6B
4.26%
5.0
A+
December 31, 2024
$8.6B
4.71%
5.0
A+
September 30, 2024
$8.5B
4.63%
5.0
A+
June 30, 2024
$8.2B
4.31%
5.0
A+
March 31, 2024
$8.2B
3.95%
5.0
A+
December 31, 2023
$8.3B
4.38%
5.0
A+
September 30, 2023
$8.1B
2.85%
5.0
A+
June 30, 2023
$7.8B
2.27%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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.
Address
7600 E Orchard Rd,
Greenwood Village, CO 80111
Phone303-689-7800
Fax
PresidentSteven Angelier
CEODoug Ferraro
Full-Time Employees518
Part-Time Employees2
Branch Locations29
ATM Locations30
NCUA Insured✓ Yes — Up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.73%
Return on Assets (ROA)
0.1763%
Return on Equity (ROE)
1.7669%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
8,625,800,217
Total Amount of Shares and Deposits
7,003,775,023
Total Shares and Deposits < 1 Year
6,779,429,687
Total Shares and Deposits 1 3 Years
179,749,809
Total Shares and Deposits > 3 Years
44,595,527
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,150,584,233
Total Uninsured Shares and Deposits > $250K (F+J)
1,150,584,233
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,853,190,790
Total Interest Expense (Sum of items 6 8)
50,526,233
Share Certificates
46,658
Number of Accounts for Share Drafts
229,873
IRA KEOGH Accounts
9,398
Number of Accounts for Regular Shares
587,943
All other shares
2,756
Non Member Deposits
97
Money Market Shares
38,409
Net Income (unless the amount is already included in Undivided Earnings)
15,206,126
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)
947,897,959
Total Liabilities
7,779,013,184
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Bellco Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
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Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Bellco Credit Union
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 CD3.90%
18-Month CD2.40%
24-Month CD3.40%
60-Month CD4.10%
Savings0.05%
MMA2.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
