# Bellco Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/bellco-credit-union
Institution: Bellco Credit Union (NCUA 68437)
Aliases: Bellco
Status: live
Last verified: 2026-10-22T12:04:22.000Z (October 22, 2026)
Official source: https://www.bellco.org/rates/
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Traditional CD | standard | 3 months | $500 | 2.75% | Not ZIP-priced | −1.54% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Traditional CD | standard | 6 months | $500 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Jumbo CD | standard | 6 months | $100,000 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Youth CD | special | 12 months | $50 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Traditional CD | standard | 12 months | $500 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Jumbo CD | standard | 12 months | $100,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Promotional CD | promotional | 13 months | $500 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Promotional CD | promotional | 17 months | $500 | 4.00% | Not ZIP-priced | −0.69% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Smart Move CD | standard | 18 months | $2,500 | 2.40% | Not ZIP-priced | −2.32% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Traditional CD | standard | 24 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Smart Move CD | standard | 24 months | $2,500 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Smart Move CD | standard | 30 months | $2,500 | 3.40% | Not ZIP-priced | −1.51% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Traditional CD | standard | 36 months | $500 | 4.05% | Not ZIP-priced | −0.90% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Smart Move CD | standard | 36 months | $2,500 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |
| Traditional CD | standard | 60 months | $500 | 4.10% | Not ZIP-priced | −0.91% | 2026-10-22T12:04:22.000Z | [Snapshot 251](https://apyledger.com/snapshots/251) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.