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Belco's Online Banking

Consumer Loan Rates

Signature LoansTermAPR 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® RatesAPR Starting At*
Visa Platinum Prime13.74%+
Intro rates starting at 2.49% APR on balance transfers AND purchases for the first 12 months!+
Line of CreditTermAPR**
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 Intro rate offer may be withdrawn at any time without notice.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 SecuredTermAPR*
60 months2% over Savings Rate
Certificate SecuredTermAPR*
Due at maturity of Certificate2% 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 Months6.49%
24 Months6.49%
36 Months6.49%
48 Months6.74%
60 Months6.74%
72 Months6.99%
84 Months7.49%
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 Months7.74%
New RV Loans
(2023 and newer)*
APR* starting at:
$3,000 or less24 Months7.99%
$3,001 or over 36 Months 7.99%
$6,000 or over48 Months7.99%
$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 over180 Months9.49%
Used RV Loans
(Up to 15 model years)*
APR* starting at:
$3,000 or less24 Months8.99%
$3,001 or over 36 Months 8.99%
$6,000 or over48 Months8.99%
$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 over180 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/Fixed1st Lien PositionJunior Lien Position
Annual Percentage Rate starting at*Annual Percentage Rate starting at*
Up to 60 Months 5.99%5.99%
61 to 120 Months5.99%5.99%
121 to 180 Months6.74%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 CreditTermAnnual 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.