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Bellwether Community Credit Union Rates & Review November 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: October 29, 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.
Bellwether Community 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
Bellwether Community 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
?
2.11%
ExcellentLower than avg
Bellwether Community Credit Union Texas Ratio
Bellwether Community Credit Union's Texas Ratio is 2.11%, which is considered excellent and is lower than the national average of 6.13%.
Bellwether Community 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.
1.71% to 2.11% 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 Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 3 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 3 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 5 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 5 times
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
DetailsEffective September 1, 2026; Premium rate N/A
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
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
DetailsEffective September 1, 2026; Premium rate N/A
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
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
DetailsEffective September 1, 2026; Premium rate N/A
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
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
DetailsEffective September 1, 2026; Premium rate N/A
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 5 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 5 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.95% APY · checked 3 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.95% APY · checked 3 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 5 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 5 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 5 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 5 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.80% APY · checked 3 times
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
DetailsEffective September 1, 2026; Loyalty Pays Premium Certificate Rate, requires active consumer checking and a debit card transaction in the month
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.80% APY · checked 3 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.74% APY · checked 5 times
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
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.74% APY · checked 5 times
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
DetailsBalance: Up to $500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 1.75% APY · checked 4 times
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
DetailsBalance: Up to $500
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.75% APY · checked 2 times
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
IRA Savings
0.01%
0.01%
Min Deposit$500
DetailsEffective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
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
DetailsBalance: $250,000 - $499,999.99; Effective May 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 8 times
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
DetailsBalance: $100,000 - $249,999.99; Effective May 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 8 times
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
DetailsBalance: $100,000+; Effective May 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.79% APY · checked 8 times
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
DetailsBalance: $50,000.00 - $99,999.99; Effective May 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.53% APY · checked 8 times
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
DetailsBalance: $10,000.00 - $49,999.99; Effective May 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.36% APY · checked 8 times
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
DetailsBalance: $2,500.00 - $9,999.99; Effective May 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.24% APY · checked 8 times
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
DetailsBalance: $2,500.00 - $99,999.99; Effective May 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
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
DetailsBalance: $0.00 - $2,499.99; Effective May 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.79% APY · checked 7 times
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%
DetailsEffective 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 Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.00% → 6.69% ▼ 0.32 pts · high 7.25% / low 6.69%
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%
DetailsEffective 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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.81% → 6.98% ▲ 0.17 pts · high 6.98% / low 6.81%
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%
DetailsEffective 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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.93% → 7.03% ▲ 0.10 pts · high 7.03% / low 6.93%
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%
DetailsEffective 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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.16% → 7.29% ▲ 0.13 pts · high 7.29% / low 7.16%
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%
DetailsEffective 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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.61% → 7.72% ▲ 0.10 pts · high 7.72% / low 7.61%
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%
DetailsEffective 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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.64% → 7.75% ▲ 0.11 pts · high 7.75% / low 7.64%
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
DetailsEffective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.84% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan
-
-
6.34%
0-66 Months
DetailsEffective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
Last Updated10/29/2026
Rate History
1 change since Oct 9, 2026 · 5.84% → 6.34% ▲ 0.50 pts · high 6.34% / low 5.84%
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
DetailsEffective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.39% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan
-
-
6.49%
67-75 Months
DetailsEffective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
Last Updated10/29/2026
Rate History
1 change since Oct 9, 2026 · 6.39% → 6.49% ▲ 0.10 pts · high 6.49% / low 6.39%
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
DetailsEffective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan
-
-
7.09%
76-90 Months
DetailsEffective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 7.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
7.24%
0-66 Months
DetailsEffective Date: May 8, 2026; Vehicle Year: 2026-2024; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan
-
-
7.59%
0-66 Months
DetailsEffective Date: October 9, 2026; Vehicle Year: 2019-2017; Up to 125% financed
Last Updated10/29/2026
Rate History
1 change since Oct 9, 2026 · 5.84% → 7.59% ▲ 1.75 pts · high 7.59% / low 5.84%
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
DetailsEffective Date: January 1, 2026; Loan amount minimum: $5,000; Up to 100% financed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.84% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
7.84%
0-72 Months
DetailsEffective Date: June 2, 2026; Loan amount minimum: $5,000; Up to 100% financed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.84% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
7.84%
0-66 Months
DetailsVehicle Year: 2026-2024; effective date not stated; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.84% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
8.14%
0-66 Months
DetailsEffective Date: May 8, 2026; Vehicle Year: 2023-2020; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.14% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
8.24%
67-75 Months
DetailsEffective Date: May 8, 2026; Vehicle Year: 2026-2024; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
8.34%
85-180 Months
DetailsEffective Date: January 1, 2026; Loan amount minimum: $25,000; Up to 100% financed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.34% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
8.34%
73-120 Months
DetailsEffective Date: June 2, 2026; Loan amount minimum: $25,000; Up to 100% financed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.34% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
8.34%
67-75 Months
DetailsVehicle Year: 2026-2024; effective date not stated; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.34% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan
-
-
8.39%
67-75 Months
DetailsEffective Date: October 9, 2026; Vehicle Year: 2019-2017; Up to 125% financed
Last Updated10/29/2026
Rate History
1 change since Oct 9, 2026 · 6.39% → 8.39% ▲ 2.00 pts · high 8.39% / low 6.39%
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
DetailsEffective Date: January 1, 2026; Loan amount minimum: $50,000; Up to 100% financed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.59% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
8.59%
121-180 Months
DetailsEffective Date: June 2, 2026; Loan amount minimum: $50,000; Up to 100% financed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.59% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Auto Loan
-
-
8.64%
0-60 Months
DetailsEffective Date: October 9, 2026; Vehicle Year: 2016 & older; Up to 100% financed
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 8.64% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
8.84%
0-66 Months
DetailsVehicle Year: 2023-2020; effective date not stated; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.84% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
9.24%
66-75 Months
DetailsEffective Date: May 8, 2026; Vehicle Year: 2023-2020; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
9.34%
0-66 Months
DetailsEffective Date: May 8, 2026; Vehicle Year: 2019-2017; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.34% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
9.34%
67-75 Months
DetailsVehicle Year: 2023-2020; effective date not stated; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.34% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Other Vehicle Loan
-
-
9.84%
0-66 Months
DetailsVehicle Year: 2019-2017; effective date not stated; vehicle type not named in table heading
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.84% APR · checked 2 times
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
DetailsAs Low As; Effective Date: April 23, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Personal Loan
10.25%
43-54 Months
DetailsAs Low As; Effective Date: April 23, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 10.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Personal Loan
10.75%
55-60 Months
DetailsAs Low As; Effective Date: April 23, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 10.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Personal Line of Credit
11.99%
Open-End
DetailsAs Low As; Effective Date: April 23, 2026
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 11.99% APR · checked 4 times
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
DetailsAs Low As; Effective Date: April 23, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Energy Loan
-
-
9.75%
43-54 Months
DetailsAs Low As; Effective Date: April 23, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Energy Loan
-
-
10.25%
55-60 Months
DetailsAs Low As; Effective Date: April 23, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 10.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Home Improvement Loan
-
-
8.99%
0-42 Months
DetailsAs Low As; Effective Date: May 13, 2026; Loan amount $500 minimum, $30,000 maximum
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Home Improvement Loan
-
-
9.29%
43-54 Months
DetailsAs Low As; Effective Date: May 13, 2026; Loan amount $500 minimum, $30,000 maximum
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.29% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Home Improvement Loan
-
-
9.49%
55-66 Months
DetailsAs Low As; Effective Date: May 13, 2026; Loan amount $500 minimum, $30,000 maximum
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.11%
Home Improvement Loan
-
-
9.99%
67-84 Months
DetailsAs Low As; Effective Date: May 13, 2026; Loan amount $500 minimum, $30,000 maximum
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
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.
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
June 30, 2026
$675M
2.11%
5.0
A+
March 31, 2026
$670M
1.45%
5.0
A+
December 31, 2025
$658M
2.14%
5.0
A+
September 30, 2025
$641M
1.56%
5.0
A+
June 30, 2025
$624M
2.36%
5.0
A+
March 31, 2025
$619M
0.67%
5.0
A+
December 31, 2024
$618M
1.90%
5.0
A+
September 30, 2024
$611M
1.58%
5.0
A+
June 30, 2024
$603M
1.05%
5.0
A+
March 31, 2024
$600M
0.94%
5.0
A+
December 31, 2023
$600M
1.77%
5.0
A+
September 30, 2023
$590M
1.71%
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 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 NameBellwether Community Credit Union
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
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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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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.