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Belco's Online Banking

Standard Certificates

If you are saving money for use in the future, try one of our certificate accounts and watch your money grow over time:

  • Minimum deposit $500 for most certificates
  • Terms available from 3 to 60 months
  • Rate locked for entire term (unless otherwise noted)
  • APY (Annual Percentage Yield) applies to compounded dividends by adding to the certificate
  • Higher rates on minimum investments of $10,000, $50,000 and $75,000
  • Monthly dividend options:
    • Added back to the certificate
    • Paid to you by check
    • Posted to your savings or checking
  • Automatic Renewal
  • Maturity notices mailed approximately 30 days in advance
  • Early withdrawal penalties will apply if the account is closed prematurely
  • Certificate secured loans available – avoids penalty for early withdrawal


In addition to our Standard Certificates, here are a few more unique certificate options:

  • Add-On Certificate – make one additional deposit during the term of the certificate
  • Bump Up Certificate – option to increase your rate once during the initial term of the certificate
  • Prime Rate Certificate – variable rate based on Wall Street Journal Prime Rate minus 3.25%

A penalty may be imposed for early withdrawal from a certificate account and could reduce earnings. Please review our Certificate Disclosure for more information.


Please be aware of fraudulent text messages targeting Belco members. We have received several reports of members receiving messages that appear to be from Belco. THESE MESSAGES ARE NOT FROM BELCO COMMUNITY CREDIT UNION. If you receive a message claiming to have a hold on your account, DO NOT click the on the link. Delete the message and block the number.