APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.bellco.org/rates/
Read: 2026-10-22T12:04:22.000Z

5.74% APR*
10.14% APR*
9.49% APR*
Vehicle Type | APR
Auto | 5.74% APR*
Motorcycle (Street Legal) | 10.14% APR*
Recreational Vehicles (RVs) | 9.49% APR*
7.00%* [2]
Floor rate is 3.75%
7.50%
Rate will decrease by 0.25% for loans in junior lien position.
16.65%* [2]
Minimum payment is the greater of $50 or 2.5% of the balance, plus accrued interest.
10.99%
Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
2.50%* [3] plus the interest rate paid on the Savings account APR
Rate is rounded up to the nearest ¼%.
Payment example for 180-month loan secured to a Savings account earning .10% @ 2.60% APR: 180 payments of $3.36 per $500 borrowed.
Floor rate is 2.75%
2.50%* [3] plus the interest rate paid on the CD
Rate is rounded up to the nearest ¼%.
Payment example for 60-month loan secured to a CD account earning 1.98% @ 4.50% APR: 60 payments of $9.32 per $500 borrowed.
Floor rate is 2.75%
Loan | APR Ɨ | Terms and Conditions
ChoiceLine [1] – Variable | 7.00%* [2] | 120-month Draw Period followed by a 120-month Repayment Period (see ChoiceLine-Fixed for Repayment Period pricing). Revolving line of credit. Secured by a Colorado residence. Minimum payment of $50 (Draw Period and Repayment Period). Floor rate is 3.75%
ChoiceLine [1] – Fixed | 7.50% | Repayment Period balance at time of conversion will be fixed at the current fixed rate and amortized over 10 years. Have up to 3 fixed rate Sub-accounts at any one time with a term of up to 240 months, not to exceed the remaining term of the loan. Secured by a Colorado residence. Minimum advance is $5,000. Rate will decrease by 0.25% for loans in junior lien position.
Personal Line of Credit – Variable | 16.65%* [2] | Revolving line of credit. Minimum payment is the greater of $50 or 2.5% of the balance, plus accrued interest. Credit limit starting at $500.
Personal Loan – Fixed | 10.99% | Up to 60 months. Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
Share-secured Loan – Variable | 2.50%* [3] plus the interest rate paid on the Savings account APR | Up to 180 months. Secured by collected funds on a Savings account. Rate is rounded up to the nearest ¼%. Minimum loan amount is $500. Minimum payment of $25. Payment example for 180-month loan secured to a Savings account earning .10% @ 2.60% APR: 180 payments of $3.36 per $500 borrowed. Floor rate is 2.75%
CD Secured – Variable | 2.50%* [3] plus the interest rate paid on the CD | Up to 60 months, not to exceed the maturity date of the Certificate of Deposit (CD) securing the loan. Secured by collected funds on a Certificate of Deposit. Rate is rounded up to the nearest ¼%. Minimum loan amount is $500. Minimum payment of $25. Payment example for 60-month loan secured to a CD account earning 1.98% @ 4.50% APR: 60 payments of $9.32 per $500 borrowed. Floor rate is 2.75%
[1] The ChoiceLine loan is designed to offer a ten-year Variable Rate Draw Period followed by a ten-year Fixed Rate Repayment Period, with the option to take advances during the Draw Period and fix the rate and set the repayment term for this Fixed Rate Subaccount – see Predisclosure for details. Advertised rates are based on the maximum combined loan to value (CLTV) of 80%, the property is a primary residence and an initial draw of at least $5,000 is taken at closing. If the initial draw at closing is less than $5,000, standard closing costs will apply and the APR will increase relative to those applicable costs. Unique closing costs associated with the loan will not be covered (e.g., subordination agreements, lien releases, etc.) An appraisal, paid for by the borrower, may be required to determine the value of the property and is not a covered closing cost. ChoiceLine loans with a CLTV of up to 90% are also available at a higher rate. Property used to secure the loan must be insured, owner occupied (primary or second home), and located in Colorado. Consult a tax advisor for additional information regarding deductibility of interest.
*Variable rates are based on an index plus a margin and may change after account opening. The maximum APR for variable rate loans is 21%.
[2] Prime Rate as of October 1, 2026 is 7.00%. For loans that are tied to the Prime Rate, the index is the US Prime Rate identified in the Money Rates column of the Wall Street Journal. The APR can change monthly on the first day of the month based on the Prime Rate as of the last business day of the preceding month.
4.50%*
APY
4.41%
0.25% – 4.50%*
APY
0.25% – 4.41%
0.05%
APY
0.05%
0.03%
APY
0.03%
0.03%
APY
0.03%
0.03%
APY
0.03%
0.05%
APY
0.05%
0.10%
APY
0.10%
0.15%
APY
0.15%
0.05%
APY
0.05%
0.10%
APY
0.10%
0.15%
APY
0.15%
0.15%
APY
0.15%
0.20%
APY
0.20%
Balance Requirement | APY | Interest Rate
$0 – $25,000 | 4.50%* | 4.41%
$25,000.01+ | 0.25% – 4.50%* | 0.25% – 4.41%
Requirements not met | 0.05% | 0.05%
Balance Requirement | APY | Interest Rate
$0-$2,499.99 | 0.03% | 0.03%
$2,500-$4,999.99 | 0.03% | 0.03%
$5,000-$9,999.99 | 0.03% | 0.03%
$10,000-$24,999.99 | 0.05% | 0.05%
$25,000-$49,999.99 | 0.10% | 0.10%
$50,000+ | 0.15% | 0.15%
Balance Requirement | APY | Interest Rate
$0-$499.99 | 0.05% | 0.05%
$500.00-$2,499.99 | 0.10% | 0.10%
$2,500.00-$9,999.99 | 0.15% | 0.15%
$10,000-$24,999.99 | 0.15% | 0.15%
$25,000+ | 0.20% | 0.20%
APY=Annual Percentage Yield. The interest rate may change after the account is opened. Rates are subject to change without notice. Membership eligibility required.
*APY=Annual Percentage Yield. The interest rate and APY may change after the account is opened. 4.50% APY applies to balances up to and including $25,000. For balances in excess of $25,000, the APY may range from 0.25% to 4.50%. Fees may reduce earnings on the account. Please speak to a Bellco representative for information about additional requirements necessary to earn the stated APY. Membership eligibility required.
4.00%*
APY
3.93%
Minimum Balance to Earn APY
4.00%*
APY
3.93%
Minimum Balance to Earn APY
2.75%*
APY
2.72%
Minimum Balance to Earn APY
3.85%*
APY
3.78%
Minimum Balance to Earn APY
3.90%*
APY
3.83%
Minimum Balance to Earn APY
4.00%*
APY
3.93%
Minimum Balance to Earn APY
4.05%*
APY
3.98%
Minimum Balance to Earn APY
4.10%*
APY
4.02%
Minimum Balance to Earn APY
3.85%*
APY
3.78%
Minimum Balance to Earn APY
3.90%*
APY
3.83%
Minimum Balance to Earn APY
2.40%*
APY
2.37%
Minimum Balance to Earn APY
3.40%*
APY
3.35%
Minimum Balance to Earn APY
3.40%*
APY
3.35%
Minimum Balance to Earn APY
3.15%*
APY
3.11%
Minimum Balance to Earn APY
3.90%*
APY
3.83%
Minimum Balance to Earn APY
3.90%*
APY
3.83%
Minimum Balance to Earn APY
4.00%*
APY
3.93%
Minimum Balance to Earn APY
4.05%*
APY
3.98%
Minimum Balance to Earn APY
4.10%*
APY
4.02%
Minimum Balance to Earn APY
Term | APY | Interest Rate | Minimum Balance to Earn APY
13 Months | 4.00%* | 3.93% | $500
17 Months | 4.00%* | 3.93% | $500
Term | APY | Interest Rate | Minimum Balance to Earn APY
3 Months | 2.75%* | 2.72% | $500
6 Months | 3.85%* | 3.78% | $500
12 Months | 3.90%* | 3.83% | $500
24 Months | 4.00%* | 3.93% | $500
36 Months | 4.05%* | 3.98% | $500
60 Months | 4.10%* | 4.02% | $500
Term | APY | Interest Rate | Minimum Balance to Earn APY
6 Months | 3.85%* | 3.78% | $100,000
12 Months | 3.90%* | 3.83% | $100,000
Term | APY | Interest Rate | Minimum Opening Account Balance | Minimum Balance to Earn APY
18 Months | 2.40%* | 2.37% | $2,500 | $1,000
24 Months | 3.40%* | 3.35% | $2,500 | $1,000
30 Months | 3.40%* | 3.35% | $2,500 | $1,000
36 Months | 3.15%* | 3.11% | $2,500 | $1,000
Term | APY | Interest Rate | Minimum Balance to Earn APY
12 Months | 3.90%* | 3.83% | $50
Term | APY | Interest Rate | Minimum Balance to Earn APY
12 Months | 3.90%* | 3.83% | $500
24 Months | 4.00%* | 3.93% | $500
36 Months | 4.05%* | 3.98% | $500
60 Months | 4.10%* | 4.02% | $500
*Annual Percentage Yield (APY) and interest rate are effective as of the date listed above and are subject to change without notice at any time prior to the issuance of the certificate. After the point of issuance, APY and interest rate are fixed for all CD products, except when you elect to “bump-up” the rate on the Smart Move CD. Early withdrawal penalties may apply. Fees or a withdrawal may reduce earnings on the account. Rates apply to consumer CD accounts only. Membership eligibility applies.
2.25%*
APY
2.23%
2.70%*
APY
2.66%
2.70%*
APY
2.66%
3.25%*
APY
3.20%
3.25%*
APY
3.20%
2.75%*
APY
2.72%
Minimum Balance to Earn APY
3.85%*
APY
3.78%
Minimum Balance to Earn APY
3.90%*
APY
3.83%
Minimum Balance to Earn APY
4.00%*
APY
3.93%
Minimum Balance to Earn APY
4.05%*
APY
3.98%
Minimum Balance to Earn APY
4.10%*
APY
4.02%
Minimum Balance to Earn APY
3.85%*
APY
3.78%
Minimum Balance to Earn APY
3.90%*
APY
3.83%
Minimum Balance to Earn APY
Balance Requirement | APY | Interest Rate | Minimum Opening Account Balance
$0-$10,000 | 2.25%* | 2.23% | $5
$10,000.01-$25,000 | 2.70%* | 2.66% | $5
$25,000.01-$50,000 | 2.70%* | 2.66% | $5
$50,000.01-$100,000 | 3.25%* | 3.20% | $5
$100,000.01+ | 3.25%* | 3.20% | $5
Term | APY | Interest Rate | Minimum Balance to Earn APY
3 Months | 2.75%* | 2.72% | $500 Minimum
6 Months | 3.85%* | 3.78% | $500 Minimum
12 Months | 3.90%* | 3.83% | $500 Minimum
24 Months | 4.00%* | 3.93% | $500 Minimum
36 Months | 4.05%* | 3.98% | $500 Minimum
60 Months | 4.10%* | 4.02% | $500 Minimum
Term | APY | Interest Rate | Minimum Balance to Earn APY
6 Months | 3.85%* | 3.78% | $100,000
12 Months | 3.90%* | 3.83% | $100,000
*Annual Percentage Yield (APY) and interest rate are accurate as of the date listed above and are subject to change without notice at any time prior to account opening. Fees or withdrawals could reduce earnings on the account. Rates apply to consumer accounts only. Membership eligibility applies.
1 APY and interest rate may change after account is opened.
2 After the point of issuance, APY and interest rate are fixed. Early withdrawal penalties may apply.
0.00%*
APY
0.00%
2.70%*
APY
2.66%
3.25%*
APY
3.20%
0.00%*
APY
0.00%
2.35%*
APY
2.32%
2.70%*
APY
2.66%
2.70%*
APY
2.66%
0.10%*
APY
0.10%
3.25%*
APY
3.20%
3.25%-0.50%*
APY
3.20%-0.50%
2.25%*
APY
2.23%
2.70%*
APY
2.66%
2.70%*
APY
2.66%
3.25%*
APY
3.20%
3.25%*
APY
3.20%
Minimum Opening/Account Balance | Balance Tier | APY | Interest Rate
$10,000 | $0-$9,999.99 1 | 0.00%* | 0.00%
$10,000 | $10,000-$49,999.99 | 2.70%* | 2.66%
$10,000 | $50,000+ | 3.25%* | 3.20%
Minimum Opening/Account Balance | Balance Tier | APY | Interest Rate
$1,000 | $0-$999.99 1 | 0.00%* | 0.00%
$1,000 | $1,000-$9,999.99 | 2.35%* | 2.32%
$1,000 | $10,000-$24,999.99 | 2.70%* | 2.66%
$1,000 | $25,000+ | 2.70%* | 2.66%
Savings Type | Balance Tier | APY | Interest Rate
Savings Account | $25.01+ | 0.10%* | 0.10%
Youth Savings 2 | $0.01-$1,000 | 3.25%* | 3.20%
Youth Savings 2 | $1,000.01+ | 3.25%-0.50%* | 3.20%-0.50%
Balance Tier | APY | Interest Rate
$0-$10,000 | 2.25%* | 2.23%
$10,000.01-$25,000 | 2.70%* | 2.66%
$25,000.01-$50,000 | 2.70%* | 2.66%
$50,000.01-$100,000 | 3.25%* | 3.20%
$100,000.01+ | 3.25%* | 3.20%
* Annual Percentage Yield (APY) and interest rates are accurate as of the date listed above and are subject to change without notice. Account earnings could be reduced if fees are added. APY and interest rate may change after account is opened. Rates apply to consumer accounts only. Membership eligibility applies.
7.74%Ɨ
9.75%
7.00%
3.75%
0.05%*
APY
2.25%*
APY
3.25%*
APY
3.25%*
APY
0.00%*
APY
2.70%*
APY
2.70%*
APY
3.25%*
APY
3.25%*
APY
3.25%*
APY
2.75%*
APY
2.72%
3.85%*
APY
3.78%
3.90%*
APY
3.83%
4.00%*
APY
3.93%
4.05%*
APY
3.98%
4.10%*
APY
4.02%
Vehicle Type | Interest Rate
Auto | 7.74%Ɨ
Loan Type | Interest Rate
Unsecured Line of Credit | 9.75%
Prime Rate | 7.00%
Floor Rate | 3.75%
Business Savings Type | Balance Requirement | APY
Basic Business Savings Account | $100 – or more | 0.05%*
Business Money Market Account | $0-$50,000 | 2.25%*
Business Money Market Account | $50,000.01-$100,000 | 3.25%*
Business Money Market Account | $100,000.01 – or more | 3.25%*
Business Premier Money Market Account | $0-$9,999.99 | 0.00%*
Business Premier Money Market Account | $10,000.01-$24,999.99 | 2.70%*
Business Premier Money Market Account | $25,000-$49,999.99 | 2.70%*
Business Premier Money Market Account | $50,000-$99,999.99 | 3.25%*
Business Premier Money Market Account | $100,000-$249,999.99 | 3.25%*
Business Premier Money Market Account | $250,000 – or more | 3.25%*
Term | APY | Interest Rate | Minimum Account Balance
3 Months | 2.75%* | 2.72% | $500
6 Months | 3.85%* | 3.78% | $500
12 Months | 3.90%* | 3.83% | $500
24 Months | 4.00%* | 3.93% | $500
36 Months | 4.05%* | 3.98% | $500
60 Months | 4.10%* | 4.02% | $500
*APY = Annual Percentage Yield. The dividend rate and annual percentage yield (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. After the point of issuance dividend rates and annual percentage yield (APY) are fixed. Early withdrawal penalties apply, read more .