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Belco's Online Banking

IRA Savings Rates


IRAMinimum Balance/RangeAnnual Percentage Rate (APR)Annual Percentage Yield (APY)
Traditional IRA
Roth IRA
Educational Savings IRA
$5.00 - $9,999.990.05%0.05%
$10,000.00 - over0.20%0.20%

IRA Certificate Rates

Certificate Terms
Minimum Balance
to Earn APY
Dividend Rate*Annual Percentage Yield (APY)*
60 Month $500.00 1.60%1.61%
$10,000.00 1.65%1.66%
$50,000.00 1.70%1.71%
$75,000.00 1.75%1.76%
48 Month $500.00 1.55%1.56%
$10,000.00 1.60%1.61%
$50,000.00 1.65%1.66%
$75,000.00 1.70%1.71%
36 Month $500.00 1.45%1.46%
$10,000.001.50%1.51%
$50,000.001.55%1.56%
$75,000.00 1.60%1.61%
24 Month $500.00 1.40%1.41%
$10,000.00 1.45%1.46%
$50,000.00 1.50%1.51%
$75,000.00 1.55%1.56%
18 Month $500.00 1.70%1.71%
$10,000.00 1.75%1.76%
$50,000.00 1.80%1.81%
$75,000.00 1.85%1.87%
12 Month $500.00 1.55%1.56%
$10,000.00 1.60%1.61%
$50,000.001.65%1.66%
$75,000.001.70%1.71%

*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.

Scammers are spoofing Belco's phone number and impersonating Belco employees in an attempt to access member accounts. Belco will NEVER ask for your password, PIN, or security verification codes over the phone. If you receive a suspicious call, hang up and contact Belco directly using our official phone number.