What are the current interest rates at Belco Community Credit Union?

Current rates for Belco Community Credit Union include: 18-Month CD: 2.85%

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Belco Community Credit Union

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Belco Community Credit Union Rates & Review September 2026

Q: Is a member application needed to join Belco Community Credit Union?

Yes, to access services at Belco Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Belco Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Belco Community Credit Union's 16-month IRA CD rates are at 3.60%, 18-Month CD rates are at 2.85%. Belco Community Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of Belco Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.38%. Rates last updated and verified on 09/22/2026.

Belco Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Belco Community Credit Union? Share your experience about Belco Community Credit Union by leaving a review below, or read customer reviews before you decide to use Belco Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.38%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Belco Community Credit Union
Operations Center

449 Eisenhower Blvd
Harrisburg, PA 17111

https://www.belco.org

Belco Community Credit Union CD Rates

Product	Rate	APY	Term
16-month IRA certificate	-	3.60%	16 months
Min Deposit $500 Min Balance $500 Details Diversify your portfolio with tax-deferred earnings, and provide stable, dependable income in retirement. APY=Annual Percentage Yield. Advertised rate accurate as of 1/26/26. Rates subject to change. A penalty may be imposed for early withdrawal. Fees could reduce earnings. Not valid with any other offer. Offer may be withdrawn at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
18-Month Certificate	-	2.85%	18 months
Min Deposit $500 Min Balance $500 Details Rate based on deposit amount. Advertised rates accurate as of 9/8/26. Rates subject to change. A penalty may be imposed for early withdrawal. Fees could reduce earnings. Not valid with any other offer. Offer may be withdrawn at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Belco Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Fixed Rate Home Equity Loan	4.99%	-	4.99%	10-year
Details Rates shown are based on loan-to-value (LTV) up to 80% and payment of recording fee by Belco. No application fee, no closing costs. Minimum $5,000 new money required if Belco loan is being refinanced. Rate may differ depending on creditworthiness, LTV, loan amount and term of the loan. Cannot be combined with any other rate discount. Consult a tax advisor for further information regarding deductibility of interest and charges. Offer subject to change or cancellation at any time without notice. All loans subject to credit approval. Available only on primary, owner-occupied, 1-4 family residences in PA. Proof of property insurance required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Belco Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Signature Loan	9.99%	up to 60 months
Details Rates starting at 9.99% APR*, for your back-to-school shopping. Refinance of an existing Belco loan requires a minimum of $5,000 in new money. All loans subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Belco Community Credit Union’s Texas Ratio fell from 7.03% in Q2 2023 to 4.38% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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	$984M	4.38%	5.0	A+
December 31, 2025	$971M	4.87%	5.0	A+
September 30, 2025	$932M	4.27%	5.0	A+
June 30, 2025	$952M	4.84%	5.0	A+
March 31, 2025	$962M	5.72%	5.0	A+
December 31, 2024	$936M	7.17%	5.0	A
September 30, 2024	$921M	6.57%	5.0	A
June 30, 2024	$923M	7.10%	5.0	A
March 31, 2024	$933M	6.93%	5.0	A
December 31, 2023	$918M	8.45%	5.0	A
September 30, 2023	$900M	8.10%	5.0	A
June 30, 2023	$921M	7.03%	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 Belco Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Belco Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Belco Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Belco Community Credit Union

Website https://www.belco.org

Address 449 Eisenhower Blvd, Harrisburg, PA 17111

Phone 717-232-3526

Fax

President Terry Hessler

CEO Amey Sgrignoli

Full-Time Employees 212

Part-Time Employees 3

Branch Locations 13

ATM Locations 13

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.38%

Return on Assets (ROA)

0.2213%

Return on Equity (ROE)

2.1302%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

983,599,624

Total Amount of Shares and Deposits

901,629,818

Total Shares and Deposits < 1 Year

887,260,430

Total Shares and Deposits 1 3 Years

12,854,519

Total Shares and Deposits > 3 Years

1,514,869

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

41,118,410

Total Uninsured Shares and Deposits > $250K (F+J)

41,118,410

Total Insured Shares and Deposits > $250K (item 17 less item K)

860,511,408

Total Interest Expense (Sum of items 6 8)

3,054,634

Share Certificates

9,324

Number of Accounts for Share Drafts

51,433

IRA KEOGH Accounts

2,056

Number of Accounts for Regular Shares

120,728

All other shares

101

Non Member Deposits

Money Market Shares

9,374

Net Income (unless the amount is already included in Undivided Earnings)

2,177,110

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)

128,827,135

Total Liabilities

913,413,232

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Belco 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Belco Community Credit Union

How many branches does Belco Community Credit Union operate?

Belco Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Belco Community Credit Union?

Yes, to access services at Belco Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Belco Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Belco Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Belco Community Credit Union offer online and mobile banking?

Most modern institutions like Belco Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.belco.org.