Bellco rates: up to 4.50% APY
credit union · NCUA CHARTER 68437 · www.bellco.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Savings Account | $25.01+ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings | $0.01-$1,000 | 3.25% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA & Coverdell ESA CDs | 3 Months · $500 Minimum | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional CD | 3 Months · $500 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA & Coverdell ESA CDs | 6 Months · $500 Minimum | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Jumbo CDs | 6 Months · $100,000 | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo CD | 6 Months · $100,000 | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional CD | 6 Months · $500 | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA CD | 12 Months · $500 | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA & Coverdell ESA CDs | 12 Months · $500 Minimum | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Jumbo CDs | 12 Months · $100,000 | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo CD | 12 Months · $100,000 | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional CD | 12 Months · $500 | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Move CD | 18 Months · $2,500 | 2.40% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA CD | 24 Months · $500 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA & Coverdell ESA CDs | 24 Months · $500 Minimum | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Move CD | 24 Months · $2,500 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional CD | 24 Months · $500 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Move CD | 30 Months · $2,500 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA CD | 36 Months · $500 | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA & Coverdell ESA CDs | 36 Months · $500 Minimum | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Move CD | 36 Months · $2,500 | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional CD | 36 Months · $500 | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA CD | 60 Months · $500 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA & Coverdell ESA CDs | 60 Months · $500 Minimum | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional CD | 60 Months · $500 | 4.10% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Member Money Market Account | $1,000 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market Account | $10,000 | 0.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Boost Interest Checking | $0 – $25,000 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Checking | $0-$499.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Checking | $500.00-$2,499.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Checking | $2,500.00-$9,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Checking | $10,000-$24,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Checking | $25,000+ | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Checking | $0-$2,499.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Checking | $2,500-$4,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Checking | $5,000-$9,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Checking | $10,000-$24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Checking | $25,000-$49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Checking | $50,000+ | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.bellco.org/savings/how-do-certificates-of-deposits-cds-work/ | — | extract-failed | |
| www.bellco.org/savings/what-happens-when-your-cd-matures/ | — | extract-failed | |
| www.bellco.org/rates/ | 2026-11-01 13:53 UTC | ok | acedcba9878e |