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Bellco Credit score Union Evaluation 2023



Bellco Credit score Union is a Colorado-based monetary cooperative with 28 branches situated all through the state. It’s additionally a part of an in depth no-fee ATM community. 

Based in 1936 and headquartered in Greenwood Village, Bellco is the second largest credit score union in Colorado with greater than 360,000 members and $7.7 billion in property. 

All charges and costs are present as of July 12, 2022 and are topic to alter. 

Finest financial savings account charges for July 13, 2023

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Bellco Credit score Union choices 

Bellco Credit score Union has all kinds of deposit accounts obtainable to members, together with checking, financial savings, cash market, and CD accounts.

Checking and financial savings accounts 

Bellco Credit score Union has a number of checking account choices, together with interest-bearing and free checking accounts. It additionally affords a financial savings account with greater charges for youth.

  • Increase Checking
    • APY:
      • $0–$25,000: 2.25%
      • $25,000.01 or extra: 0.25%–2.25%
      • Necessities not met: 0.05%
    • Minimal steadiness: None
    • Charges:
      • Overdraft payment: as much as $28 for transactions over $25
      • Month-to-month upkeep payment: None
  • Free Checking
    • APY: None
    • Minimal steadiness: None
    • Charges:
      • Overdraft payment: as much as $28 for transactions over $25
      • Month-to-month upkeep payment: None
  • Scholar Checking
    • For college students age 13–24
    • APY: None
    • Minimal steadiness: None
    • Charges:
      • Overdraft payment: as much as $28 for transactions over $25
      • Month-to-month upkeep payment: None
  • Platinum Checking
    • APY:
      • $0–$9,999.99: 0.03%
      • $10,000–$24,999.99: 0.05%
      • $25,000–$49,999.99: 0.10%
      • $50,000 or extra: 0.15%
    • Minimal steadiness: None
    • Charges:
      • Overdraft payment: as much as $28 for transactions over $25
      • Month-to-month upkeep payment: $12 (waived with $15,000 mixed steadiness in deposits and loans)
  • Financial savings Account
    • APY:
      • Common: 0.10%
      • Youth: 4.00% ($0.01–$1,000), 4.00%–0.50% ($1,000.01+)
    • Minimal steadiness to earn curiosity: $25.01
    • Charges:
      • Overdraft payment: as much as $28 for transactions over $25
      • Month-to-month upkeep payment: $12 (waived with $15,000 mixed steadiness in deposits and loans)

Cash market accounts 

Bellco CU doesn’t have a high-yield financial savings account, but it surely does supply two cash market accounts that permit members to earn extra curiosity whereas preserving their cash accessible.

  • Premier Cash Market Account
    • APY:
      • $0–$9,999.99: 0.00%
      • $10,000–$49,999.99: 3.45%
      • $50,000 or extra: 4.00%
    • Minimal opening deposit: $10,000
    • Minimal steadiness to earn curiosity and keep away from payment: $10,000
    • Charges:
  • Member Cash Market Account
    • APY:
      • $0–$999.99: 0.00%
      • $1,000–$9,999.99: 3.10%
      • $10,000 or extra: 3.45%
    • Minimal opening deposit: $1,000
    • Minimal steadiness to earn curiosity and keep away from payment: $1,000
    • Charges:

Finest CD Charges for July 13, 2023

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Certificates of deposit

For members who wish to maintain their cash on deposit for some time with a purpose to earn a few of the finest CD charges, Bellco CU affords quite a lot of certificates of deposit accounts.

  • Conventional CD
    • APY:
      • 3-month: 2.75%
      • 6-month: 5.50%
      • 12-month: 3.90%
      • 24-month: 4.25%
      • 36-month: 4.25%
      • 60-month: 4.00%
    • Minimal opening deposit: $500
  • Sensible Transfer CD
    • APY:
      • 18-month: 2.40%
      • 24-month: 3.40%
      • 30-month: 3.40%
      • 36-month: 3.15%
    • Minimal opening deposit: $2,500
  • Jumbo CD
    • APY:
      • 6-month: 5.50%
      • 12-month: 4.00%
    • Minimal opening deposit: $100,000
  • Youth CD
    • Obtainable to members age 24 and youthful
    • APY:
    • Minimal opening deposit: $50
  • HSA CD
    • Obtainable to members age 24 and youthful
    • APY:
      • 12-month: 3.90%
      • 24-month: 4.25%
      • 36-month: 4.25%
      • 60-month: 4.00%
    • Minimal opening deposit: $500
  • IRA CD
    • Obtainable to members age 24 and youthful
    • APY:
      • 3-month: 2.75%
      • 6-month: 5.50%
      • 12-month: 5.00%
      • 24-month: 5.00%
      • 36-month: 4.25%
      • 60-month: 4.00%
    • Minimal opening deposit: $500

Well being Financial savings Account 

A well being financial savings account (HSA) is a tax-advantaged financial savings account obtainable to these with high-deductible well being plans. They permit you to use the funds for quite a lot of well being bills. 

  • HSA
    • APY:
      • $0–$10,000: 3.00%
      • $10,000.01–$50,000: 3.45%
      • $50,000.01 or extra: 4.00%
    • Charges:
      • Setup payment: $16
      • Month-to-month upkeep payment: None

Different companies Bellco Credit score Union affords 

Along with deposit accounts, Bellco Credit score Union additionally supplies a number of different banking companies, corresponding to:

  • Enterprise companies, together with enterprise deposit accounts and loans
  • Wealth administration, together with monetary planning and belief companies
  • Insurance coverage, together with auto, house, life, pet, and GAP protection
  • Fraud prevention, together with identification theft and on-line fraud

Bellco Credit score Union platform and buyer assist 

Bellco’s on-line banking platform permits members to handle their funds from wherever, from scheduling invoice funds, to organising computerized transfers to an HSA, to monitoring a baby’s youth financial savings account. The credit score union additionally has a cellular app that boasts a 4.8 star ranking within the Apple Retailer and Google Play.

Member Companies will be reached by calling 1-800-BELLCO-1 (235-5261) or 303-689-7800. Representatives can be found Monday by way of Friday from: 8 am to six pm MT, and Saturday from 8 am to 2 pm ET. You too can ship an e-mail to memberservice@bellco.org.

Execs and cons of Bellco Credit score Union

When you’re contemplating changing into a member of Bellco Credit score Union, take into account these professionals and cons first:

Execs

  • Intensive deposit account choices
  • Aggressive CD charges

Cons

  • Branches situated in Colorado solely
  • No high-yield financial savings possibility

Ceaselessly requested questions

What’s the most cellular deposit for Bellco?

When you make a distant or cellular deposit, as much as $1,500 is out there straight away. The remaining funds needs to be obtainable the following enterprise day. 

How lengthy has Bellco been in enterprise?

Bellco Credit score Union was based in 1936 and has been in enterprise for almost 88 years.

Is Bellco credit score union FDIC insured?

Bellco is a credit score union, so it’s insured by the Nationwide Credit score Union Administration. Deposits are protected as much as $250,000 per depositor.

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