Deposit Accounts
Great rates. Low fees. Easy access.
✔
Competitive Rates
Earn dividends and take advantage of great rates.
✔ No Surprise Fees
Straightforward accounts with transparent terms.
✔ 24/7 Account Access
Manage your accounts anytime with Online & Mobile Banking.
✔ Federally Insured
Deposits are federally insured by the NCUA
Savings & Investment Accounts
Basic Savings Accounts
Want a safe, reliable place to keep your money while earning monthly dividends? Our Basic Savings Account is the gateway to membership at Belco Community Credit Union, so you can access additional credit union deposit accounts and member services once you’re established.- $5 minimum opening deposit required for credit union membership
- Monthly dividends when minimum requirements are met
- Convenient access through ATM/ITMs and digital banking
- Direct deposit to your savings account available
Money Market Accounts
Looking for a stronger way to grow your savings without locking funds away? A Money Market Account can help you earn a higher dividend rate than a standard savings account while still keeping your money accessible when you need it—ideal for emergency funds or short-term goals.- Dividend rate increases as your balance grows (tiered structure)
- Start earning dividends with a $250 deposit
- Easy access to funds for transfers and withdrawals
- Deposits insured by the NCUA
Certificate Accounts
Want predictable growth with low risk? Belco certificates reward bigger deposits and longer terms with strong earning potential. Choose your term, lock in your rate, and enjoy a steady path toward your savings goals—perfect for planned milestones and longer-term saving strategies.- Earn competitive rates on deposits starting at $500
- Choose Bump Up and Add-On options where available
- Select a term between 3 and 60 months
- Earn more the longer you leave your funds intact
- View current rates Competitive certificate rates
- Multiple term lengths available
- Great choice for savings you don’t need right away
Health Savings Account
A Health Savings Account helps you prepare for qualified medical expenses now and in the future. With potential tax advantages, an HSA is a smart way to set money aside for costs like doctor visits, prescriptions, dental, vision, and more—while keeping funds available when needed.- No monthly fee
- Access funds via an HSA debit card, checks, or online banking
- Pay providers using Online Bill Payer
- Contributions may be tax-deductible (consult a tax professional)
Individual Retirement Accounts
Build long-term savings with an IRA designed to help you plan for retirement (or education, depending on the account type). Choose from Traditional and Roth IRA options and put time on your side with dividends that can compound over the life of the account.- Potential tax advantages depending on IRA type
- Dividends compounded monthly to support long-term growth
- Tiered rates that may increase with bigger balances
- No minimum deposit
- Consult a tax professional to determine what’s best for your situation
Coin Catcher Account (Round-Up Savings)
Coin Catcher makes saving effortless by rounding up eligible debit card purchases to the nearest dollar and moving the difference into savings. It’s a simple “set it and forget it” tool that helps checking account holders steadily build savings, one transaction at a time.- Rounds up eligible debit purchases and deposits the difference into savings
- Easy way to grow savings without changing your routine
- Great for building an emergency fund or savings goal over time
- Coin Catcher requires a Belco Checking Account
Checking Accounts
Free Checking Account
Keep everyday banking simple with Belco Free Checking. This account is built for convenient spending, digital access, and straightforward features, without complicated qualifying requirements.
- No minimum balance requirement
- No monthly service charge
- Overdraft protection options
- Direct deposit/payroll deductions available
Premier Interest Checking
Premier Interest Checking is designed for members who want more from their checking account—competitive dividends, everyday access, and premium features that make managing money easier.
- Receive dividends when your balance remains above $1,500
- Online and Mobile Banking for payments, transfers, and balance tracking
- Free debit card and Online Bill Payer
- Free standard checks
50+ Interest Checking
Built for members age 50 and older, this account combines interest-earning potential with practical benefits that support day-to-day banking, without monthly fees or balance requirements.
- Competitive dividend rates
- Free debit card, Online and Mobile Banking, and Online Bill Payer
- Free eStatements with online check images
- Free standard checks
Convenient Interest Checking
Earn dividends while keeping your checking routine flexible. Convenient Interest Checking rewards qualifying activity, like direct deposit or automatic payments, so you can make the most of regular monthly banking.
- Competitive dividend rates
- No minimum balance requirement
- No monthly service charge
- Free debit card, Online and Mobile Banking, and Online Bill Payer
Club Accounts
Critter Club Savings Account
Pets are family, and planning for their needs shouldn’t be stressful. Critter Club helps you set money aside for vet visits, grooming, boarding, and more while earning dividends and enjoying fun incentives.
- No minimum balance required; earn interest on balances of $5 or greater
- Withdraw any time without penalty
- Enter for monthly prize drawings when you deposit $75 or more
Holiday Club Savings Account
Take the pressure off holiday and year-end spending by saving throughout the year. A Holiday Club is designed to help you build funds steadily and access them when the season arrives.
- Open an account with as little as $5 or set up automatic transfer
- Dividends credited monthly
- $5.00 penalty for each early withdrawal before October 1st
Whatever Club
Saving is easier when it’s flexible. Whatever Club lets you build funds for anything—vacations, big purchases, or everyday goals—while earning dividends and moving money when you need to.
- Get started with just a $5.00 deposit
- Deposit and withdraw funds without penalty
- Dividends credited monthly
Youth Accounts
Child Savings Account (Savings Safari Club)
Start strong with savings designed for kids 12 and under. Savings Safari Club makes learning money habits fun, with rewards for saving and academic success that help kids stay motivated and build confidence early.
- Receive an official membership card, stamp, and account opening gift (as available)
- Earn competitive dividends
- Build smart habits and a financial foundation that can last a lifetime
Teen Savings Account (Xtreme Teen Savers Club)
Help teens build independence with a savings account and education program for ages 13–18. Xtreme Teen Savings Accounts support better money choices with tools, incentives, and opportunities that encourage long-term financial confidence.
- Enjoy a preferred dividend rate on savings
- Access tools that teach smart money management skills
- Eligible teens can apply for Belco’s scholarship program (as available)
Related Services
Belco Visa Rewards
Earn cash-back rewards when you shop with Belco Visa credit or debit cards.
Mobile Deposit
Deposit checks quickly and securely from almost anywhere with your phone.
Overdraft Coverage
Coverage options to help you manage unexpected overdrafts.
Visa Debit Cards
Get a Belco Visa debit card with your checking account, with instant issue available at our branches.
Mobile Wallet
Add your card to your Mobile Wallet for quick, secure contactless payments.
★★★★★
“Great credit union with low fees and great
customer service.”
– Zuleyma K., Lancaster, PA
Have a Question About Our Deposit Accounts?
Deposit Account FAQs
Credit union deposit accounts are accounts where members keep money for everyday use and savings, such as checking, savings (share) accounts, money market accounts, and certificates. Many deposit accounts earn dividends, and eligible deposits are federally insured by the NCUA.
Checking accounts are built for everyday spending—making it easy to pay bills, make purchases, and access cash. Savings accounts are designed for setting money aside and may earn dividends, but they’re typically used less frequently for day-to-day transactions.
Yes. Belco deposit accounts are federally insured by the NCUA up to at least $250,000 per individual depositor.
Because credit unions are member-owned, they can often return value to members through competitive dividends and lower fees. Compare current deposit rates here.
Yes. You can apply online for many Belco deposit accounts. If you’re already a member, you may also be able to add accounts through digital banking, depending on the product.
Yes. A Basic Savings Account with a $5 deposit is required to establish membership, and it gives you access to additional Belco Community Credit Union accounts and services.
More Ways to Make the Most of Your Money
Personal Loans
Need extra funds for a big expense or a fresh start? Belco offers personal loan options that can help you cover costs, consolidate debt, or reach your goals with predictable payments.
Mortgage Loans
Buying a home is a big step. Belco mortgage options help make the process easier, with guidance and financing designed to fit a range of budgets and goals.
Home Equity Loans
Put your home’s equity to work. A Home Equity Loan can help you fund renovations, education expenses, debt consolidation, and other major purchases with a clear repayment plan.