Bellco Credit Union CD & Share Certificate Rates — October 2026

Also known as Bellco.

As of October 22, 2026, Bellco Credit Union's highest tracked CD (share certificate) rate is 4.10% APY on a 60-month CD ($500 minimum). That is 2.9 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.40% to 4.10% APY.

Last verified October 22, 2026 from www.bellco.org · NCUA-insured credit union · Greenwood Village, CO

Tracking began October 22, 2026.

Best APY4.10%60 months, $500 min

vs. Treasury−0.91%same-term Treasury 5.01%

vs. national average2.9×FDIC national average 1.41%

After inflation0.36%CPI 3.7% year over year

$10,000 earns$2,225over 60 months, before tax

Bellco Credit Union CD & share certificate rates

Bellco Credit Union CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	Traditional CD	$500	2.75%Verified October 22, 2026	−1.54%
6 months	Traditional CD	$500	3.85%Verified October 22, 2026	−0.55%
6 months	Jumbo CD	$100,000	3.85%Verified October 22, 2026	−0.55%
12 months	Youth CD Special	$50	3.90%Verified October 22, 2026	−0.67%
12 months	Traditional CD	$500	3.90%Verified October 22, 2026	−0.67%
12 months	Jumbo CD	$100,000	3.90%Verified October 22, 2026	−0.67%
13 months	Promotional CD Promotional	$500	4.00%Verified October 22, 2026	−0.60%
17 months	Promotional CD Promotional	$500	4.00%Verified October 22, 2026	−0.69%
18 months	Smart Move CD	$2,500	2.40%Verified October 22, 2026	−2.32%
24 months	Traditional CD	$500	4.00%Verified October 22, 2026	−0.87%
24 months	Smart Move CD	$2,500	3.40%Verified October 22, 2026	−1.47%
30 months	Smart Move CD	$2,500	3.40%Verified October 22, 2026	−1.51%
36 months	Traditional CD	$500	4.05%Verified October 22, 2026	−0.90%
36 months	Smart Move CD	$2,500	3.15%Verified October 22, 2026	−1.80%
60 months	Traditional CD	$500	4.10%Verified October 22, 2026	−0.91%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.00% APY (13 months). The standard rate for a similar term is 3.90% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $10 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are Bellco Credit Union's best CD rates by term?

Bellco Credit Union's best rate is 4.10% APY on 60 months, verified October 22, 2026.

3 mo2.75%
6 mo3.85%
12 mo3.90%
13 mo4.00%
17 mo4.00%
18 mo2.40%
24 mo4.00%
30 mo3.40%
36 mo4.05%
60 mo4.10%

Calculate earnings at 4.10% for 60 months

How much interest could a Bellco Credit Union CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	$33.932.75% APY · Traditional CD · Standard	$67.872.75% APY · Traditional CD · Standard	$169.662.75% APY · Traditional CD · Standard	$339.332.75% APY · Traditional CD · Standard
6 months	$95.603.85% APY · Traditional CD · Standard	$191.213.85% APY · Traditional CD · Standard	$478.023.85% APY · Traditional CD · Standard	$956.053.85% APY · Traditional CD · Standard
12 months	$195.003.90% APY · Traditional CD · Standard	$390.003.90% APY · Traditional CD · Standard	$975.003.90% APY · Traditional CD · Standard	$1,950.003.90% APY · Traditional CD · Standard
18 months	$181.242.40% APY · Smart Move CD · Standard	$362.492.40% APY · Smart Move CD · Standard	$906.222.40% APY · Smart Move CD · Standard	$1,812.442.40% APY · Smart Move CD · Standard
24 months	$408.004.00% APY · Traditional CD · Standard	$816.004.00% APY · Traditional CD · Standard	$2,040.004.00% APY · Traditional CD · Standard	$4,080.004.00% APY · Traditional CD · Standard
60 months	$1,112.574.10% APY · Traditional CD · Standard	$2,225.134.10% APY · Traditional CD · Standard	$5,562.844.10% APY · Traditional CD · Standard	$11,125.674.10% APY · Traditional CD · Standard

How Bellco Credit Union compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 21 of 79 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Bellco Credit Union CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Bellco Credit Union (this institution)Traditional CD · Standard	60 months	$500	Coverage: CO	4.10%	October 22, 2026
Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard	60 months	$10,000	Nationwide; check eligibility	5.00%	October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional	60 months	Not stated	Nationwide; check eligibility	4.80%	October 22, 2026
Barclays60 Month CD · Standard	60 months	Not stated	Nationwide; check eligibility	4.75%	October 22, 2026
Treasury (APY-equivalent)	60 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	5.01%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Bellco Credit Union on October 22, 2026.

About Bellco Credit Union

Legal name: Bellco Credit Union
Regulator ID: NCUA 68437
Headquarters: Greenwood Village, CO
Available in: CO
Total assets: $8.6 billion
Also known as: Bellco
Website: www.bellco.org

Source: rates read from https://www.bellco.org/rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Bellco Credit Union?

Among the rates we track, 4.10% APY on a 60-month CD, as of October 22, 2026.

What is the minimum deposit for a Bellco Credit Union CD?

The lowest minimum we found is $50; jumbo and higher balance tiers start at up to $100,000.

How does Bellco Credit Union's best CD rate compare with Treasury yields?

4.10% APY is −0.91% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.10% a good CD rate?

It is 2.9 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Bellco Credit Union CDs insured?

Bellco Credit Union is a federally insured credit union (NCUA 68437). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Bellco Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check Bellco Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from Bellco Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Bellco Credit Union before opening an account. This page is not financial advice.