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Bellwether Community Credit Union Rates & Review November 2026

Bellwether Community Credit Union's 18 Month CD - Loyalty Pays Premium rates are at 4.20%, 18 Month CD rates are at 4.15%, 9 Month CD rates are at 4.00%, 6 Month CD rates are at 3.80%, 12 Month CD - Loyalty Pays Premium rates are at 3.65%. Bellwether Community Credit Union's savings rates are at 1.75%. Bellwether Community Credit Union's money market rates are at 1.70%. Bellwether Community Credit Union's Easy Start 5/5 ARM CMT rates are at 7.25%, 10/1 ARM CMT rates are at 6.50%, 5/1 ARM CMT rates are at 6.12%, 7/1 ARM CMT rates are at 6.25%, Seasonal Home 5/1 ARM CMT rates are at 6.62%. Bellwether Community Credit Union's Personal Loan Rates are as low as 9.75%. Bellwether Community Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Bellwether Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.11%. Rates last updated and verified on 10/29/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.11%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Bellwether Community Credit Union
Bellwether Community Credit Union
425 Hooksett Rd
Manchester, NH 03104
https://www.bccu.org
Member NCUA
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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.

Bellwether Community Credit Union CD Rates

Product Rate APY Term View More
18 Month Certificate - Loyalty Pays Premium 4.12% 4.20% 18 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
18 Month IRA Certificate - Loyalty Pays Premium 4.12% 4.20% 18 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
18 Month Certificate 4.07% 4.15% 18 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
18 Month IRA Certificate 4.07% 4.15% 18 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
9 Month Certificate 3.93% 4.00% 9 months
Min Deposit $500
Details Effective September 1, 2026; Premium rate N/A
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
9 Month IRA Certificate 3.93% 4.00% 9 months
Min Deposit $500
Details Effective September 1, 2026; Premium rate N/A
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
6 Month Certificate 3.74% 3.80% 6 months
Min Deposit $500
Details Effective September 1, 2026; Premium rate N/A
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
6 Month IRA Certificate 3.74% 3.80% 6 months
Min Deposit $500
Details Effective September 1, 2026; Premium rate N/A
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
12 Month Certificate - Loyalty Pays Premium 3.59% 3.65% 12 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
12 Month IRA Certificate - Loyalty Pays Premium 3.59% 3.65% 12 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
12 Month Certificate 3.54% 3.60% 12 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
12 Month IRA Certificate 3.54% 3.60% 12 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
24 Month Certificate - Loyalty Pays Premium 2.96% 3.00% 24 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
24 Month IRA Certificate - Loyalty Pays Premium 2.96% 3.00% 24 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
60 Month Certificate - Loyalty Pays Premium 2.96% 3.00% 60 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
60 Month IRA Certificate - Loyalty Pays Premium 2.96% 3.00% 60 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
24 Month Certificate 2.91% 2.95% 24 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
24 Month IRA Certificate 2.91% 2.95% 24 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
48 Month Certificate - Loyalty Pays Premium 2.91% 2.95% 48 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Oct 19, 2026: 2.95% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
48 Month IRA Certificate - Loyalty Pays Premium 2.91% 2.95% 48 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Oct 19, 2026: 2.95% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
60 Month Certificate 2.86% 2.90% 60 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
60 Month IRA Certificate 2.86% 2.90% 60 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
48 Month Certificate 2.81% 2.85% 48 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
48 Month IRA Certificate 2.81% 2.85% 48 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
36 Month Certificate - Loyalty Pays Premium 2.76% 2.80% 36 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Oct 19, 2026: 2.80% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
36 Month IRA Certificate - Loyalty Pays Premium 2.76% 2.80% 36 months
Min Deposit $500
Details Effective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Oct 19, 2026: 2.80% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
36 Month Certificate 2.71% 2.74% 36 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.74% APY · checked 5 times
2.24%2.74%3.24%Sep 18, 2026: 2.74% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
36 Month IRA Certificate 2.71% 2.74% 36 months
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.74% APY · checked 5 times
2.24%2.74%3.24%Sep 18, 2026: 2.74% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%

Bellwether Community Credit Union Savings Rates

Product Rate APY View More
Begin Savings 1.74% 1.75%
Min Deposit $5
Min Balance $0
Details Balance: Up to $500
Last Updated 10/29/2026
Rate History
No change since Sep 21, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 21, 2026: 1.75% APYSep 21, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Emergency Savings 1.74% 1.75%
Min Deposit $5
Min Balance $100
Details Balance: Up to $500
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 26, 2026: 1.75% APYOct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Begin Savings 0.01% 0.01%
Min Deposit $5
Min Balance $500
Details Published APY range: 0.01% - 1.75%; Published rate range: 0.01% - 1.74%. Balance: $500.01+
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Club Accounts 0.01% 0.01%
Min Deposit $5
Min Balance $100
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Emergency Savings 0.01% 0.01%
Min Deposit $5
Min Balance $500
Details Published APY range: 0.01% - 1.75%; Published rate range: 0.01% - 1.74%. Balance: $500.01+
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
IRA Savings 0.01% 0.01%
Min Deposit $500
Details Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Primary Share Savings 0.01% 0.01%
Min Deposit $5
Min Balance $100
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Secondary Savings 0.01% 0.01%
Min Deposit $5
Min Balance $100
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%

Bellwether Community Credit Union Money Market Rates

Product Rate APY View More
Premier Money Market 1.69% 1.70%
Min Deposit $2,500
Min Balance $250,000
Details Balance: $250,000 - $499,999.99; Effective May 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 8 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Premier Money Market 1.64% 1.65%
Min Deposit $2,500
Min Balance $100,000
Details Balance: $100,000 - $249,999.99; Effective May 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 8 times
1.15%1.65%2.15%Sep 14, 2026: 1.65% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Money Market 0.79% 0.79%
Min Deposit $2,500
Min Balance $100,000
Details Balance: $100,000+; Effective May 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.79% APY · checked 8 times
0.29%0.79%1.29%Sep 14, 2026: 0.79% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Money Market 0.53% 0.53%
Min Deposit $2,500
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99; Effective May 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.53% APY · checked 8 times
0.03%0.53%1.03%Sep 14, 2026: 0.53% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Money Market 0.36% 0.36%
Min Deposit $2,500
Min Balance $10,000
Details Balance: $10,000.00 - $49,999.99; Effective May 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.36% APY · checked 8 times
0.00%0.43%0.86%Sep 14, 2026: 0.36% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Money Market 0.24% 0.24%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $2,500.00 - $9,999.99; Effective May 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.24% APY · checked 8 times
0.00%0.37%0.74%Sep 14, 2026: 0.24% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Premier Money Market 0.05% 0.05%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $2,500.00 - $99,999.99; Effective May 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Money Market 0.00% 0.00%
Min Deposit $2,500
Min Balance $0
Details Balance: $0.00 - $2,499.99; Effective May 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.79% APY · checked 7 times
0.29%0.79%1.29%Sep 14, 2026: 0.79% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%

Bellwether Community Credit Union Mortgage Rates

Product Rate Points APR Term View More
Easy Start 5/5 ARM CMT 7.25% - 6.685%
Details Effective Date: September 24, 2026; Index: Five Year US Treasury Bill (10/23/2026: 4.89); Margin: 2.50%; Caps: 2/2/5; Rate rounded up to nearest eighth; For 1-4 family owner-occupied residence, condo, and one-unit second homes; Fixed for 5 years then 5-year ARM
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.00% → 6.69% ▼ 0.32 pts · high 7.25% / low 6.69%
6.12%6.97%7.82%Sep 14, 2026: 7.00% APRSep 29, 2026: 7.25% APROct 9, 2026: 6.69% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20266.69%▼ from 7.25%
  • Sep 29, 20267.25%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
10/1 ARM CMT 6.50% - 6.977%
Details Effective Date: September 24, 2026; Index: One Year US Treasury Bill (10/23/2026: 4.48); Margin: 2.75%; Caps: 5/2/5; Rate rounded up to nearest eighth; For 1-4 family owner-occupied residence, condo, and one-unit second homes; Fixed for 10 years then 1-year ARM
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.81% → 6.98% ▲ 0.17 pts · high 6.98% / low 6.81%
6.31%6.89%7.48%Sep 14, 2026: 6.81% APRSep 29, 2026: 6.98% APRSep 14, 2026Nov 2, 2026
  • Sep 29, 20266.98%▲ from 6.81%
  • Sep 14, 20266.81%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
5/1 ARM CMT 6.125% - 7.025%
Details Effective Date: September 24, 2026; Index: One Year US Treasury Bill (10/23/2026: 4.48); Margin: 2.75%; Caps: 2/2/6; Rate rounded up to nearest eighth; For 1-4 family owner-occupied residence, condo, and one-unit second homes; Fixed for 5 years then 1-year ARM
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.93% → 7.03% ▲ 0.10 pts · high 7.03% / low 6.93%
6.43%6.98%7.53%Sep 14, 2026: 6.93% APRSep 29, 2026: 7.03% APRSep 14, 2026Nov 2, 2026
  • Sep 29, 20267.03%▲ from 6.93%
  • Sep 14, 20266.93%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
7/1 ARM CMT 6.25% - 7.29%
Details Effective Date: September 24, 2026; Index: One Year US Treasury Bill (10/23/2026: 4.48); Margin: 2.75%; Caps: 5/2/5; Rate rounded up to nearest eighth; For 1-4 family owner-occupied residence, condo, and one-unit second homes; Fixed for 7 years then 1-year ARM
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.16% → 7.29% ▲ 0.13 pts · high 7.29% / low 7.16%
6.66%7.23%7.79%Sep 14, 2026: 7.16% APRSep 29, 2026: 7.29% APRSep 14, 2026Nov 2, 2026
  • Sep 29, 20267.29%▲ from 7.16%
  • Sep 14, 20267.16%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Seasonal Home 5/1 ARM CMT 6.625% - 7.715%
Details Effective Date: September 24, 2026; Index: One Year US Treasury Bill (10/23/2026: 4.48); Margin: 3.50%; Caps: 2/2/6; Rate rounded up to nearest eighth; For 1-4 family owner-occupied residence, condo, and one-unit second homes; Fixed for 5 years then 1-year ARM
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.61% → 7.72% ▲ 0.10 pts · high 7.72% / low 7.61%
7.11%7.66%8.22%Sep 14, 2026: 7.61% APRSep 29, 2026: 7.72% APRSep 14, 2026Nov 2, 2026
  • Sep 29, 20267.72%▲ from 7.61%
  • Sep 14, 20267.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Construction 5/1 ARM 7.00% - 7.75%
Details Effective Date: September 24, 2026; Index: One Year US Treasury Bill (10/23/2026: 4.48); Margin: 2.75%; Rate rounded up to nearest eighth
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.64% → 7.75% ▲ 0.11 pts · high 7.75% / low 7.64%
7.14%7.70%8.25%Sep 14, 2026: 7.64% APRSep 29, 2026: 7.75% APRSep 14, 2026Nov 2, 2026
  • Sep 29, 20267.75%▲ from 7.64%
  • Sep 14, 20267.64%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%

Bellwether Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 5.84% 0-66 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 5.84% APR · checked 4 times
5.34%5.84%6.34%Oct 9, 2026: 5.84% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan - - 6.34% 0-66 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
Last Updated 10/29/2026
Rate History
1 change since Oct 9, 2026 · 5.84% → 6.34% ▲ 0.50 pts · high 6.34% / low 5.84%
5.34%6.09%6.84%Oct 9, 2026: 5.84% APROct 19, 2026: 6.34% APROct 9, 2026Nov 2, 2026
  • Oct 19, 20266.34%▲ from 5.84%
  • Oct 9, 20265.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan - - 6.39% 67-75 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 6.39% APR · checked 4 times
5.89%6.39%6.89%Oct 9, 2026: 6.39% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan - - 6.49% 67-75 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
Last Updated 10/29/2026
Rate History
1 change since Oct 9, 2026 · 6.39% → 6.49% ▲ 0.10 pts · high 6.49% / low 6.39%
5.89%6.44%6.99%Oct 9, 2026: 6.39% APROct 19, 2026: 6.49% APROct 9, 2026Nov 2, 2026
  • Oct 19, 20266.49%▲ from 6.39%
  • Oct 9, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan - - 6.99% 76-84 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 4 times
6.49%6.99%7.49%Oct 9, 2026: 6.99% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan - - 7.09% 76-90 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 7.09% APR · checked 4 times
6.59%7.09%7.59%Oct 9, 2026: 7.09% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 7.24% 0-66 Months
Details Effective Date: May 8, 2026; Vehicle Year: 2026-2024; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.24% APR · checked 2 times
6.74%7.24%7.74%Oct 26, 2026: 7.24% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan - - 7.59% 0-66 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2019-2017; Up to 125% financed
Last Updated 10/29/2026
Rate History
1 change since Oct 9, 2026 · 5.84% → 7.59% ▲ 1.75 pts · high 7.59% / low 5.84%
4.09%6.72%9.34%Oct 9, 2026: 5.84% APROct 19, 2026: 7.59% APROct 9, 2026Nov 2, 2026
  • Oct 19, 20267.59%▲ from 5.84%
  • Oct 9, 20265.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 7.84% 0-84 Months
Details Effective Date: January 1, 2026; Loan amount minimum: $5,000; Up to 100% financed
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.84% APR · checked 2 times
7.34%7.84%8.34%Oct 26, 2026: 7.84% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 7.84% 0-72 Months
Details Effective Date: June 2, 2026; Loan amount minimum: $5,000; Up to 100% financed
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.84% APR · checked 2 times
7.34%7.84%8.34%Oct 26, 2026: 7.84% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 7.84% 0-66 Months
Details Vehicle Year: 2026-2024; effective date not stated; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.84% APR · checked 2 times
7.34%7.84%8.34%Oct 26, 2026: 7.84% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 8.14% 0-66 Months
Details Effective Date: May 8, 2026; Vehicle Year: 2023-2020; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 8.14% APR · checked 2 times
7.64%8.14%8.64%Oct 26, 2026: 8.14% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 8.24% 67-75 Months
Details Effective Date: May 8, 2026; Vehicle Year: 2026-2024; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 8.24% APR · checked 2 times
7.74%8.24%8.74%Oct 26, 2026: 8.24% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 8.34% 85-180 Months
Details Effective Date: January 1, 2026; Loan amount minimum: $25,000; Up to 100% financed
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 8.34% APR · checked 2 times
7.84%8.34%8.84%Oct 26, 2026: 8.34% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 8.34% 73-120 Months
Details Effective Date: June 2, 2026; Loan amount minimum: $25,000; Up to 100% financed
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 8.34% APR · checked 2 times
7.84%8.34%8.84%Oct 26, 2026: 8.34% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 8.34% 67-75 Months
Details Vehicle Year: 2026-2024; effective date not stated; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 8.34% APR · checked 2 times
7.84%8.34%8.84%Oct 26, 2026: 8.34% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan - - 8.39% 67-75 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2019-2017; Up to 125% financed
Last Updated 10/29/2026
Rate History
1 change since Oct 9, 2026 · 6.39% → 8.39% ▲ 2.00 pts · high 8.39% / low 6.39%
4.39%7.39%10.39%Oct 9, 2026: 6.39% APROct 19, 2026: 8.39% APROct 9, 2026Nov 2, 2026
  • Oct 19, 20268.39%▲ from 6.39%
  • Oct 9, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 8.59% 181-240 Months
Details Effective Date: January 1, 2026; Loan amount minimum: $50,000; Up to 100% financed
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 8.59% APR · checked 2 times
8.09%8.59%9.09%Oct 26, 2026: 8.59% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 8.59% 121-180 Months
Details Effective Date: June 2, 2026; Loan amount minimum: $50,000; Up to 100% financed
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 8.59% APR · checked 2 times
8.09%8.59%9.09%Oct 26, 2026: 8.59% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan - - 8.64% 0-60 Months
Details Effective Date: October 9, 2026; Vehicle Year: 2016 & older; Up to 100% financed
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 8.64% APR · checked 4 times
8.14%8.64%9.14%Oct 9, 2026: 8.64% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 8.84% 0-66 Months
Details Vehicle Year: 2023-2020; effective date not stated; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 8.84% APR · checked 2 times
8.34%8.84%9.34%Oct 26, 2026: 8.84% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 9.24% 66-75 Months
Details Effective Date: May 8, 2026; Vehicle Year: 2023-2020; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.24% APR · checked 2 times
8.74%9.24%9.74%Oct 26, 2026: 9.24% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 9.34% 0-66 Months
Details Effective Date: May 8, 2026; Vehicle Year: 2019-2017; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.34% APR · checked 2 times
8.84%9.34%9.84%Oct 26, 2026: 9.34% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 9.34% 67-75 Months
Details Vehicle Year: 2023-2020; effective date not stated; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.34% APR · checked 2 times
8.84%9.34%9.84%Oct 26, 2026: 9.34% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan - - 9.84% 0-66 Months
Details Vehicle Year: 2019-2017; effective date not stated; vehicle type not named in table heading
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.84% APR · checked 2 times
9.34%9.84%10.34%Oct 26, 2026: 9.84% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%

Bellwether Community Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 9.75% 0-42 Months
Details As Low As; Effective Date: April 23, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.75% APR · checked 2 times
9.25%9.75%10.25%Oct 26, 2026: 9.75% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Personal Loan 10.25% 43-54 Months
Details As Low As; Effective Date: April 23, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 10.25% APR · checked 2 times
9.75%10.25%10.75%Oct 26, 2026: 10.25% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Personal Loan 10.75% 55-60 Months
Details As Low As; Effective Date: April 23, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 10.75% APR · checked 2 times
10.25%10.75%11.25%Oct 26, 2026: 10.75% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Personal Line of Credit 11.99% Open-End
Details As Low As; Effective Date: April 23, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 11.99% APR · checked 4 times
11.49%11.99%12.49%Oct 9, 2026: 11.99% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%

Bellwether Community Credit Union Other Rates

Product Rate Points APY/APR Term View More
Energy Loan - - 9.25% 0-42 Months
Details As Low As; Effective Date: April 23, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.25% APR · checked 2 times
8.75%9.25%9.75%Oct 26, 2026: 9.25% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Energy Loan - - 9.75% 43-54 Months
Details As Low As; Effective Date: April 23, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.75% APR · checked 2 times
9.25%9.75%10.25%Oct 26, 2026: 9.75% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Energy Loan - - 10.25% 55-60 Months
Details As Low As; Effective Date: April 23, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 10.25% APR · checked 2 times
9.75%10.25%10.75%Oct 26, 2026: 10.25% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Home Improvement Loan - - 8.99% 0-42 Months
Details As Low As; Effective Date: May 13, 2026; Loan amount $500 minimum, $30,000 maximum
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Home Improvement Loan - - 9.29% 43-54 Months
Details As Low As; Effective Date: May 13, 2026; Loan amount $500 minimum, $30,000 maximum
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 9.29% APR · checked 8 times
8.79%9.29%9.79%Sep 14, 2026: 9.29% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Home Improvement Loan - - 9.49% 55-66 Months
Details As Low As; Effective Date: May 13, 2026; Loan amount $500 minimum, $30,000 maximum
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 8 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Home Improvement Loan - - 9.99% 67-84 Months
Details As Low As; Effective Date: May 13, 2026; Loan amount $500 minimum, $30,000 maximum
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%

Financial Health History

Bellwether Community Credit Union’s Texas Ratio stayed near 1.71% in Q3 2023 to 2.11% in Q2 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.

0% 1.0★ 0.8% 2.0★ 1.6% 3.0★ 2.4% 4.0★ 3.2% 5.0★ Healthy zone – entire history below the 15% limit 1.71% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.11% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$675M2.11%5.0A+
March 31, 2026$670M1.45%5.0A+
December 31, 2025$658M2.14%5.0A+
September 30, 2025$641M1.56%5.0A+
June 30, 2025$624M2.36%5.0A+
March 31, 2025$619M0.67%5.0A+
December 31, 2024$618M1.90%5.0A+
September 30, 2024$611M1.58%5.0A+
June 30, 2024$603M1.05%5.0A+
March 31, 2024$600M0.94%5.0A+
December 31, 2023$600M1.77%5.0A+
September 30, 2023$590M1.71%5.0A+
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 Bellwether 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 Bellwether 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 Bellwether Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bellwether Community Credit Union
Address 425 Hooksett Rd, Manchester, NH 03104
Phone 603-645-8181
Fax 603-645-8195
President Gail Garceau
CEO Nathan Saller
Full-Time Employees 88
Part-Time Employees 12
Branch Locations 5
ATM Locations 4
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
2.11%
Return on Assets (ROA)
0.1397%
Return on Equity (ROE)
1.4856%
Non-Performing Loans Ratio (NPL)
0.28%
Total Assets
674,743,160
Total Amount of Shares and Deposits
541,941,578
Total Shares and Deposits < 1 Year
532,366,056
Total Shares and Deposits 1 3 Years
7,492,655
Total Shares and Deposits > 3 Years
2,082,867
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
70,906,337
Total Uninsured Shares and Deposits > $250K (F+J)
70,906,337
Total Insured Shares and Deposits > $250K (item 17 less item K)
471,035,241
Total Interest Expense (Sum of items 6 8)
7,204,934
Share Certificates
4,433
Number of Accounts for Share Drafts
12,550
IRA KEOGH Accounts
1,453
Number of Accounts for Regular Shares
35,387
All other shares
1,582
Money Market Shares
2,180
Net Income (unless the amount is already included in Undivided Earnings)
942,329
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)
44,687,558
Total Liabilities
618,526,709
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Bellwether Community 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Bellwether Community Credit Union

Does Bellwether Community Credit Union offer CDs?

Yes. Bellwether Community Credit Union current CD rates include its 18 Month CD - Loyalty Pays Premium at 4.20% APY, its 18 Month CD at 4.15% APY and its 9 Month CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Bellwether Community Credit Union NCUA insured?

Yes. Bellwether 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 Bellwether Community Credit Union?

The highest Bellwether Community Credit Union CD rate is its 18 Month CD - Loyalty Pays Premium at 4.20% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Bellwether Community Credit Union offer?

Bellwether Community Credit Union CD rates are 3.80% APY for a 6 month CD, 4.00% APY for a 9 month CD, 3.65% APY for a 12 month CD, 4.20% APY for an 18 month CD, 2.95% APY for a 2 year CD and 2.90% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Bellwether Community Credit Union for its full lineup.

What is the highest savings rate at Bellwether Community Credit Union?

The highest Bellwether Community Credit Union savings rate is its Begin Savings at 1.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Bellwether Community Credit Union?

The highest Bellwether Community Credit Union money market rate is its Premier Money Market at 1.70% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at Bellwether Community Credit Union?

The lowest Bellwether Community Credit Union mortgage rate is its 5/1 ARM CMT at 6.125%, verified by MonitorBankRates as of October 29, 2026. Bellwether Community Credit Union mortgage rates are 7.25% for a 5/5 ARM, 6.125% for a 5/1 ARM, 6.25% for a 7/1 ARM and 6.50% for a 10/1 ARM.

What is the lowest auto loan rate at Bellwether Community Credit Union?

The lowest Bellwether Community Credit Union auto loan rate is its Auto Loan at 5.84% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Bellwether Community Credit Union?

The lowest Bellwether Community Credit Union personal loan rate is its Personal Loan at 9.75% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Bellwether Community Credit Union operate?

Bellwether 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 Bellwether Community Credit Union?

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

Does Bellwether Community Credit Union offer online and mobile banking?

Most modern institutions like Bellwether 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.bccu.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 Bellwether Community Credit Union rates compare?

Bellwether Community Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. Bellwether Community Credit Union's top rates are its 18 Month CD - Loyalty Pays Premium at 4.20% APY, its Begin Savings at 1.75% APY, its Premier Money Market at 1.70% APY, its 5/1 ARM CMT at 6.125% and its Personal Loan at 9.75% APR, verified by MonitorBankRates on October 29, 2026.

Current Bellwether Community Credit Union Rates

  • 12-Month CD3.60%
  • 18-Month CD4.15%
  • 24-Month CD2.95%
  • 60-Month CD2.90%
  • Savings1.75%
  • MMA1.70%
Retrieved from our database of financial products. Rates subject to change.