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Belco's Online Banking


Lower Rates

Our balance transfer credit cards* & personal loans** often offer lower interest rates, which help save you money over time.

One Monthly Payment

By combining your debt into a low interest credit card or personal loan, you can say goodbye to multiple monthly payments.

Save Money

Often a lower APR equals a lower payment, but not only that – when your interest rates are lower, you save money over the life of your loan or credit card balance

Pay Down Debt Faster

Reduced interest and fees can lesson the amount you owe and allow you to pay off your debt sooner – getting you on your way to financial freedom.

Earn Money When You Transfer Your Balance


It can be difficult juggling too many credit cards with varying interest rates. A credit card balance transfer can simplify your finances and even save you money. Better yet – our Belco Platinum Card offers 2% Cash Back!*

Consolidate Debt with a Low Interest Personal Loan


Rising debt can be challenging to pay off, but it happens to the best of us. A personal loan with Belco can not only help you pay off that debt faster and with lower interest rates, but it can help take the stress of debt off your shoulders. 

*All loans subject to credit approval. Credit card approval depends on creditworthiness and other credit qualifications. Rates, terms and conditions are subject to change without notice. Transferred balances subject to credit limit maximums. Offer not valid for transfers of current Belco loan balances. Belco will refund 2% of transferred balances, up to a maximum of $20,000, transferred to a Belco credit card account. Maximum credit is $400. Refund will be deposited to member’s S1 account only after the balance transfer is completed. Balance transfer must be completed by a Belco employee to qualify for the 2% cash back. Cash back is considered taxable income; consult your tax advisor. Offer subject to change or cancellation at any time without notice.

**Annual Percentage Rate. Rate range from as low as 6.99% APR up to 18% maximum APR. As low as rate includes a .25% discount for members with automatic payments from a credit union account. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the plan is open. Refinancing of existing credit union loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee. Some restrictions may apply. Rates and terms are subject to change.

The payment on a $10,000 loan would be $196.80 per month by using the $19.68 per $1000 at a non-variable interest rate of 6.75% APR with a 60 month term. This equates to $11,808.00 over the life of the loan.

Terms from 3 to 60 months.