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

Current rates for Bellwether Community Credit Union include: 12-Month CD: 3.60%, 18-Month CD: 4.15%, 24-Month CD: 2.95%, 60-Month CD: 2.90%, Savings: 0.01%, MMA: 0.05%

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Bellwether Community Credit Union

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Bellwether Community Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Bellwether Community Credit Union's 18 Month CD - Loyalty Pays Premium rates are at 4.20%, 18 Month IRA CD - Loyalty Pays Premium rates are at 4.20%, 18 Month CD rates are at 4.15%, 18 Month IRA CD rates are at 4.15%, 9 Month CD rates are at 4.00%. Bellwether Community Credit Union's savings rates are at 0.01%. Bellwether Community Credit Union's money market rates are at 0.05%. Bellwether Community Credit Union's 10/1 ARM rates are at 6.25%, 5/1 ARM rates are at 5.88%, Easy Start 5/5 ARM rates are at 6.58%, 7/1 ARM rates are at 6.00%, Seasonal Home 5/1 ARM rates are at 6.38%. Bellwether Community Credit Union's Personal Loan Rates are as low as 9.75%. 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 1.45%. Rates last updated and verified on 09/21/2026.

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.

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

1.45%

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

Bellwether Community Credit Union CD Rates

Product	Rate	APY	Term
18 Month Certificate - Loyalty Pays Premium	4.12%	4.20%	18 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
18 Month IRA Certificate - Loyalty Pays Premium	4.12%	4.20%	18 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
18 Month Certificate	4.07%	4.15%	18 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
18 Month IRA Certificate	4.07%	4.15%	18 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
9 Month Certificate	3.93%	4.00%	9 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
9 Month IRA Certificate	3.93%	4.00%	9 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
6 Month Certificate	3.74%	3.80%	6 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
6 Month IRA Certificate	3.74%	3.80%	6 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month Certificate - Loyalty Pays Premium	3.59%	3.65%	12 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month IRA Certificate - Loyalty Pays Premium	3.59%	3.65%	12 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month Certificate	3.54%	3.60%	12 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month IRA Certificate	3.54%	3.60%	12 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month Certificate - Loyalty Pays Premium	2.96%	3.00%	24 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month IRA Certificate - Loyalty Pays Premium	2.96%	3.00%	24 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month Certificate - Loyalty Pays Premium	2.96%	3.00%	60 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month IRA Certificate - Loyalty Pays Premium	2.96%	3.00%	60 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month Certificate	2.91%	2.95%	24 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month IRA Certificate	2.91%	2.95%	24 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month Certificate - Loyalty Pays Premium	2.91%	2.95%	48 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month IRA Certificate - Loyalty Pays Premium	2.91%	2.95%	48 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month Certificate	2.86%	2.90%	60 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month IRA Certificate	2.86%	2.90%	60 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month Certificate	2.81%	2.85%	48 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month IRA Certificate	2.81%	2.85%	48 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month Certificate - Loyalty Pays Premium	2.76%	2.80%	36 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month IRA Certificate - Loyalty Pays Premium	2.76%	2.80%	36 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month Certificate	2.71%	2.74%	36 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month IRA Certificate	2.71%	2.74%	36 Month
Min Deposit $500 Min Balance $500 Details Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Bellwether Community Credit Union Savings Rates

Product	Rate	APY
Begin Savings	1.74%	1.75%
Min Deposit $5 Min Balance $0 Details Begin Savings has no minimum balance to earn dividends; Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Begin Savings	1.74%	1.75%
Min Balance $0 Details Begin Savings has no minimum balance to earn dividends. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Balance: Up to $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Emergency Savings	1.74%	1.75%
Min Deposit $5 Min Balance $0 Details Balance: Up to $500; Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Emergency Savings	1.74%	1.75%
Min Deposit $5 Min Balance $0 Details Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Balance: Up to $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Begin Savings	0.01%	0.01%
Min Deposit $5 Min Balance $500 Details Published APY range: 0.01% - 1.74%; Published rate range: 0.01% - 1.74%. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Begin Savings	0.01%	0.01%
Min Balance $500 Details Published APY range: 0.01% - 1.75%; Published rate range: 0.01% - 1.74%. Begin Savings has no minimum balance to earn dividends. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Balance: $500.01+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Club Accounts	0.01%	0.01%
Min Deposit $5 Min Balance $100 Details Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
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%. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
IRA Savings	0.01%	0.01%
Min Deposit $500 Details Dividends are compounded and paid monthly. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Primary Share Savings	0.01%	0.01%
Min Deposit $5 Min Balance $100 Details Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Secondary Savings	0.01%	0.01%
Min Deposit $5 Min Balance $100 Details Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Bellwether Community Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	1.69%	1.70%
Min Deposit $2,500 Min Balance $250,000 Details Fees may reduce earnings. The dividend rate and annual percentage yield may change after the account is opened by the Credit Union's Asset Liability Committee. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Dividends will be compounded at least monthly. Dividends will be credited to your account at least monthly. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Premier Money Market	1.64%	1.65%
Min Deposit $2,500 Min Balance $100,000 Details Fees may reduce earnings. The dividend rate and annual percentage yield may change after the account is opened by the Credit Union's Asset Liability Committee. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Dividends will be compounded at least monthly. Dividends will be credited to your account at least monthly. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market	0.79%	0.79%
Min Deposit $2,500 Min Balance $100,000 Details Rates are variable and may change after the account is opened. Fees may reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market	0.53%	0.53%
Min Deposit $2,500 Min Balance $50,000 Details Rates are variable and may change after the account is opened. Fees may reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market	0.36%	0.36%
Min Deposit $2,500 Min Balance $10,000 Details Rates are variable and may change after the account is opened. Fees may reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market	0.24%	0.24%
Min Deposit $2,500 Min Balance $2,500 Details Rates are variable and may change after the account is opened. Fees may reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Premier Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Fees may reduce earnings. The dividend rate and annual percentage yield may change after the account is opened by the Credit Union's Asset Liability Committee. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Dividends will be compounded at least monthly. Dividends will be credited to your account at least monthly. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Bellwether Community Credit Union Mortgage Rates

Product	Rate	Points	APR
10/1 ARM	6.25%	-	6.81%
Details The 10/1 ARM offers a fixed rate for ten years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may change annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual, and 5% for the lifetime cap. Index: One Year US Treasury Bill. As of 09/11/2026: 4.24, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 5/1, Construction 5/1, 7/1 and 10/1 products. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
5/1 ARM	5.88%	-	6.93%
Details The 5/1 ARM offers a fixed rate for five years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may change annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual, and 6% for the lifetime cap. Index: One Year US Treasury Bill. As of 09/11/2026: 4.24, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 5/1, Construction 5/1, 7/1 and 10/1 products. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Easy Start 5/5 ARM	6.58%	-	7.00%
Details The Easy Start 5/5 ARM offers a fixed rate for five years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may change every five years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual, and 5% for the lifetime cap. Index: Five Year US Treasury Bill. As of 09/11/2026: 4.68, Margin: 2.50%, Your rate will be rounded up to the nearest eighth. This applies to the 5/5 and Easy Start products. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
7/1 ARM	6.00%	-	7.16%
Details The 7/1 ARM offers a fixed rate for seven years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may change annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual, and 5% for the lifetime cap. Index: One Year US Treasury Bill. As of 09/11/2026: 4.24, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 5/1, Construction 5/1, 7/1 and 10/1 products. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Seasonal Home 5/1 ARM	6.38%	-	7.61%
Details The Seasonal Home 5/1 ARM offers a fixed rate for five years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may change annually based on the 1-year U.S. Treasury, plus a margin of 3.50 percentage points. Caps are 2% initial, 2% annual, and 6% for the lifetime cap. Index: One Year US Treasury Bill. As of 09/11/2026: 4.24 Margin: 3.5%, Your rate will be rounded up to the nearest eighth. This applies to the Seasonal Home. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Construction 5/1 ARM	6.75%	-	7.64%
Details Index: One Year US Treasury Bill. As of 09/11/2026: 4.24, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 5/1, Construction 5/1, 7/1 and 10/1 products. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Bellwether Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.59%
Details As Low As; No Auto Loan Payments until Thanksgiving Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Bellwether Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.75%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Bellwether Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	8.99%	0-42 Months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Home Improvement Loan	-	-	9.29%	43-54 Months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Home Improvement Loan	-	-	9.49%	55-66 Months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Home Improvement Loan	-	-	9.99%	67-84 Months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

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.
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Financial Health History

Bellwether Community Credit Union’s Texas Ratio stayed near 1.20% in Q2 2023 to 1.45% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$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+
June 30, 2023	$589M	1.20%	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 Name Bellwether Community Credit Union

Website https://www.bccu.org

Address 425 Hooksett Rd, Manchester, NH 03104

Phone 603-645-8181

Fax 603-645-8195

President Gail Garceau

CEO Nathan Saller

Full-Time Employees 83

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

1.45%

Return on Assets (ROA)

0.0590%

Return on Equity (ROE)

0.6283%

Non-Performing Loans Ratio (NPL)

0.19%

Total Assets

670,189,449

Total Amount of Shares and Deposits

551,636,992

Total Shares and Deposits < 1 Year

541,521,694

Total Shares and Deposits 1 3 Years

8,168,817

Total Shares and Deposits > 3 Years

1,946,481

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

73,794,832

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

73,794,832

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

477,842,160

Total Interest Expense (Sum of items 6 8)

3,680,964

Share Certificates

4,562

Number of Accounts for Share Drafts

12,424

IRA KEOGH Accounts

1,473

Number of Accounts for Regular Shares

35,423

All other shares

1,541

Money Market Shares

2,175

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

395,123

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)

47,970,296

Total Liabilities

614,556,532

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Bellwether Community Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Bellwether Community Credit Union

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.

Current Bellwether Community Credit Union Rates

12-Month CD3.60%
18-Month CD4.15%
24-Month CD2.95%
60-Month CD2.90%
Savings0.01%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Bellwether Community Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bellwether Community Credit Union Texas Ratio

Bellwether Community Credit Union Health Trend

Bellwether Community Credit Union CD Rates

Bellwether Community Credit Union Savings Rates

Bellwether Community Credit Union Money Market Rates

Bellwether Community Credit Union Mortgage Rates

Bellwether Community Credit Union Auto Loan Rates

Bellwether Community Credit Union Personal Loan Rates

Bellwether Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Bellwether Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bellwether Community Credit Union

How many branches does Bellwether Community Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bellwether Community Credit Union offer online and mobile banking?

Current Bellwether Community Credit Union Rates

Compare to Other Credit Unions