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Belco's Online Banking

Certificate Rates

Youth club members may purchase 12 & 24 month certificates for a minimum of $250 – rates as high as 0.50% APY. Check out all of our Certificate Specials!

Certificate Terms
Minimum Balance
to Earn APY
Dividend Rate*Annual Percentage Yield (APY)*
60 Month $500.00 0.80%0.80%
$10,000.00 0.85%0.85%
$50,000.000 0.90%0.90%
$75,000.00 0.95%0.95%
48 Month $500.00 0.70%0.70%
$10,000.00 0.75%0.75%
$50,000.00 0.80%0.80%
$75,000.00 0.85%0.85%
36 Month $500.00 0.60%0.60%
$10,000.000.65%0.65%
$50,000.000.70%0.70%
$75,000.00 0.75%0.75%
24 Month $500.00 0.50%0.50%
$10,000.00 0.55%0.55%
$50,000.00 0.60%0.60%
$75,000.00 0.65%0.65%
18 Month $500.00 0.40%0.40%
$10,000.00 0.45%0.45%
$50,000.00 0.50%0.50%
$75,000.00 0.55%0.55%
12 Month $500.00 0.30%0.30%
$10,000.00 0.35%0.35%
$50,000.000.40%0.40%
$75,000.000.45%0.45%
9 Month $1,000.00 0.20%0.20%
$10,000.00 0.25%0.25%
$50,000.00 0.30% 0.30%
$75,000.00 0.35%0.35%
6 Month $1,000.00 0.15%0.15%
$10,000.00 0.20%0.20%
$50,000.00 0.25%0.25%
$75,000.00 0.30% 0.30%
3 Month $1,000.00 0.10%0.10%
$10,000.00 0.15% 0.15%
$50,000.00 0.20% 0.20%
$75,000.00 0.25% 0.25%
12 Month Bump Up Certificate$500.00 0.20% 0.20%
18 Month Bump Up Certificate$500.00 0.25% 0.25%
24 Month Bump Up Certificate$500.00 0.40% 0.40%
36 Month Bump Up Certificate $500.00 0.50% 0.50%
18 Month Prime Rate Certificate $5000.00 0.50% 0.50%+

Listed yields available if dividends are paid back to the Certificate monthly.

*Rates subject to change at any time and without prior notice. A penalty may be imposed for early withdrawal from a certificate account and could reduce earnings. Please review our Certificate Disclosure for more information.

+The dividend rate and annual percentage yield (APY) may change on the first day of each month until maturity and during any renewal term of this instrument. Your APY will be calculated by subtracting 3.25% from the highest Prime Rate published in The Wall Street Journal on the last business day of each month before the change date. A floor rate of 0.50% APY applies.