Consumer Loan Rates
| Signature Loans | Term | APR Starting At:* |
| 12 Months | 10.24% |
| 24 Months | 10.24% |
| 36 Months | 10.24% |
| 48 Months | 10.24% |
| 60 Months | 10.24% |
*APR=Annual Percentage Rate. Rate may differ depending on credit worthiness, loan amount and term of the loan. Rates are subject to change at any time without prior notice.
| VISA® Rates | APR Starting At |
| Visa Platinum Prime | 13.24%*
*Intro rates starting at 2.49% APR on balance transfers AND purchases for the first 12 months
|
| Line of Credit | Term | APR** |
| Signature | 72 Months | 17.99% |
*APR=Annual Percentage Rate. The APR for Visa® purchases and cash advances are the same. Rates are variable and subject to change. Rates may differ depending on creditworthiness. +Intro rate offer for approved Visa Platinum Prime accounts – as low as 2.49% APR for the first 12 months. Transfers from current Belco Visa cards, loans, or lines of credit not eligible for transfer offer. Intro rate offer may be withdrawn at any time without notice. Final APR determined by borrower’s credit score. APR based on the Prime Rate plus a margin that will vary between 5.24% and 13.24% with a maximum rate of 18.00%. All loans subject to credit approval.
**APR=Annual Percentage Rate. APR based on the Prime Rate plus 10.74%. Rates are variable and subject to change.
| Savings Secured | Term | APR* |
| 60 months | 2% over Savings Rate |
| Certificate Secured | Term | APR* |
| Due at maturity of Certificate | 2% over Certificate Rate |
Auto/Motorcycle and RV Loan Rates
| Auto Term Guidelines: | Minimum Loan Amt.: |
| 24 Months | $3,000 or less |
| 36 Months | $3,000 – $5,999 |
| 48 Months | $6,000 – $9,999 |
| 60 Months | $10,000 – $14,999 |
| 72 Months | $15,000 – $19,999 |
| 84 Months | $20,000+ |
| New Auto/Motorcycle Loans (2023 and newer)* | APR* starting at: |
| 12 Months | 6.49% |
| 24 Months | 6.49% |
| 36 Months | 6.49% |
| 48 Months | 6.74% |
| 60 Months | 6.74% |
| 72 Months | 6.99% |
| 84 Months | 7.49% |
| Used Auto/Motorcycle Loans (up to 10 model years)* | APR* starting at: |
| 12 Months | 6.49% |
| 24 Months | 6.49% |
| 36 Months | 6.49% |
| 48 Months | 6.74% |
| 60 Months | 6.74% |
| 72 Months | 7.49% |
| 84 Months | 7.74% |
New RV Loans
(2023 and newer)* | | APR* starting at: |
| $3,000 or less | 24 Months | 7.99% |
| $3,001 or over | 36 Months | 7.99% |
| $6,000 or over | 48 Months | 7.99% |
| $10,000 or over | 60 Months | 8.24% |
| $12,000 or over | 72 Months | 8.24% |
| $15,000 or over | 84 Months | 8.74% |
| $25,000 or over | 120 Months | 8.74% |
| $35,000 or over | 180 Months | 9.49% |
Used RV Loans
(Up to 15 model years)* | | APR* starting at: |
| $3,000 or less | 24 Months | 8.99% |
| $3,001 or over | 36 Months | 8.99% |
| $6,000 or over | 48 Months | 8.99% |
| $10,000 or over | 60 Months | 9.24% |
| $12,000 or over | 72 Months | 9.24% |
| $15,000 or over | 84 Months | 9.24% |
| $25,000 or over | 120 Months | 9.74% |
| $35,000 or over | 180 Months | 10.49% |
*APR=Annual Percentage Rate. Rates quoted include an LTV up to 100%. Rate may differ depending upon credit worthiness, LTV, loan amount, and term of the loan. Rates are subject to change at any time without prior notice. New vehicle rates apply to vehicles with 5,000 or fewer miles. Refinance of a Belco account requires a minimum of $5,000 in new money.
Home Equity Rates
| Home Equity Loans – Closed End/Fixed | 1st Lien Position | Junior Lien Position |
| Annual Percentage Rate starting at* | Annual Percentage Rate starting at* |
| Up to 60 Months | 6.24% | 6.24% |
| 61 to 120 Months | 6.24% | 6.24% |
| 121 to 180 Months | 6.74% | 6.74% |
*Rates quoted include a loan to value ratio (LTV) of <=80% and payment of recording fee by Belco. Available only on primary, owner-occupied, 1-4 family residences in PA. Proof of property insurance required. Minimum $5,000 new money required if refinancing an existing Belco loan. Rate may differ depending on creditworthiness, LTV, loan amount and term of the loan. Rates are subject to change at any time without prior notice.
| Home Equity Line of Credit | Term | Annual Percentage Rate |
| Loan to Value up to 80% | 240 Months | Starting as low as 8.50%++ |
| Loan to Value up to 90% | 240 Months | Starting as low as 9.75%++ |
++Variable rate subject to change quarterly. Variable rate portion of HELOC is based on the Wall Street Journal Prime Lending rate plus a margin. Your rate will be based on your loan to value ratio.
Subject to credit approval. Membership eligibility applies.
