Credit union · NCUA insured
Belco Community Credit Union CD Rates
Belco Community Credit Union’s best CD rate is 4.10% APY on an 8-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Belco Community Credit Union’s CD rates compare
Compared with banks and credit unions near Harrisburg, PA, where Belco Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Belco Community Credit Union
4.10%APY
- Term
- 8 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $271
Member Appreciation Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Belco Community Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo1.56%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo1.61%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Belco Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Member Appreciation Certificate
4.10%APY · 1 term
Limited-time certificate special. Not valid with any other offer. Offer may be withdrawn at any time. Early withdrawal penalty may be imposed. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months8-month Certificate Special / Member Appreciation Certificate. Minimum $500 deposit. Advertised rates accurate as of 10/1/26. Not valid with any other offer. Offer may be withdrawn at any time. Early withdrawal penalty may apply | 4.10% | $271 |
Certificate Account
Up to 2.75%APY · 9 terms
Terms from 3 to 60 months. Most certificates (12–60 months) require a $500 minimum opening deposit and minimum balance; 3-, 6-, and 9-month terms require $1,000. Listed yields available if dividends are paid back to the certificate monthly. Early withdrawal penalty may reduce earnings. No annual fee. Balance tiers of $10K, $50K, and $75K earn higher rates.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 monthsShorter-term options (3, 6, and 9 months) require a $1,000 minimum deposit. Listed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply | — | 1.31% | 1.36% | 1.41% | 1.46% | 1.31%1.36% from $10k1.41% from $50k1.46% from $75k | $33 |
| 6 monthsShorter-term options (3, 6, and 9 months) require a $1,000 minimum deposit. Listed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply | — | 1.36% | 1.41% | 1.46% | 1.51% | 1.36%1.41% from $10k1.46% from $50k1.51% from $75k | $68 |
| 9 monthsShorter-term options (3, 6, and 9 months) require a $1,000 minimum deposit. Listed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply | — | 1.41% | 1.46% | 1.51% | 1.56% | 1.41%1.46% from $10k1.51% from $50k1.56% from $75k | $106 |
| 12 monthsListed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change | 1.51% | — | 1.56% | 1.61% | 1.66% | 1.51%1.56% from $10k1.61% from $50k1.66% from $75k | $151 |
| 18 monthsListed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change | 2.70% | — | 2.75% | 2.80% | 2.85% | 2.70%2.75% from $10k2.80% from $50k2.85% from $75k | $408 |
| 24 monthsListed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Marketing states advertised APY as of 10/1/26 is based on a $75,000 deposit | — | — | — | — | 2.55% | —2.55% from $75k | — |
| 24 monthsListed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change | — | — | 2.45% | 2.50% | — | 2.45%2.50% from $50k | $496 |
| 24 monthsListed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change. Marketing page also states earn up to 2.55% APY based on a $75,000 deposit | 2.40% | — | — | — | — | 2.40% | $486 |
| 36 monthsListed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change | 1.46% | — | 1.51% | 1.56% | 1.61% | 1.46%1.51% from $10k1.56% from $50k1.61% from $75k | $444 |
| 48 monthsListed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change | 1.51% | — | 1.56% | 1.61% | 1.66% | 1.51%1.56% from $10k1.61% from $50k1.66% from $75k | $618 |
| 60 monthsListed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change | 1.56% | — | 1.61% | 1.66% | 1.71% | 1.56%1.61% from $10k1.66% from $50k1.71% from $75k | $805 |
Sources (3)
All captured Oct 6, 2026
Add On Certificate
1.66%APY · 1 term
18 Month Add On Certificate. $500 minimum opening deposit and minimum balance. Additional deposits allowed. Dividends paid back monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Month Add On Certificate. Additional deposits allowed | 1.66% | $250 |
Sources (2)
All captured Oct 16, 2026
Bump Up Certificate
Up to 1.66%APY · 4 terms
Let you increase your rate during the term. $500 minimum opening deposit and minimum balance. Dividends paid back monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month Bump Up Certificate | 1.51% | $151 |
| 18 months18 Month Bump Up Certificate | 1.66% | $250 |
| 24 months24 Month Bump Up Certificate | 1.31% | $264 |
| 36 months36 Month Bump Up Certificate | 1.41% | $429 |
Sources (1)
- belco.org/rates/certificate-rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 3.60%APY · 7 terms
IRA certificate schedule for terms of 12 to 60 months with balance tiers. Traditional/Roth/SEP tax treatment is not given distinct certificate terms. Early withdrawal penalty may apply. A separate 16-month promotional IRA certificate is advertised.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 monthsIRA Certificate. Early withdrawal penalty may apply. Rates subject to change | 1.56% | 1.61% | 1.66% | 1.71% | 1.56%1.61% from $10k1.66% from $50k1.71% from $75k | $156 |
| 16 monthsPromotional 16-Month IRA Certificate. Minimum $500 deposit. Not valid with any other offer. Offer may be withdrawn at any time. Early withdrawal penalty may apply. Dividend/interest rate not separately stated | 3.60% | — | — | — | 3.60% | $483 |
| 18 monthsIRA Certificate. Early withdrawal penalty may apply. Rates subject to change | 2.70% | 2.75% | 2.80% | 2.85% | 2.70%2.75% from $10k2.80% from $50k2.85% from $75k | $408 |
| 24 monthsIRA Certificate. Early withdrawal penalty may apply. Rates subject to change | 2.40% | 2.45% | 2.50% | 2.55% | 2.40%2.45% from $10k2.50% from $50k2.55% from $75k | $486 |
| 36 monthsIRA Certificate. Early withdrawal penalty may apply. Rates subject to change | 1.46% | 1.51% | 1.56% | 1.61% | 1.46%1.51% from $10k1.56% from $50k1.61% from $75k | $444 |
| 48 monthsIRA Certificate. Early withdrawal penalty may apply. Rates subject to change | 1.56% | 1.61% | 1.66% | 1.71% | 1.56%1.61% from $10k1.66% from $50k1.71% from $75k | $639 |
| 60 monthsIRA Certificate. Early withdrawal penalty may apply. Rates subject to change | 1.61% | 1.66% | 1.71% | 1.76% | 1.61%1.66% from $10k1.71% from $50k1.76% from $75k | $831 |
Sources (2)
All captured Oct 16, 2026
Youth Certificate
Up to 2.00%APY · 3 terms
Youth certificate terms. Dividends paid back monthly. Early withdrawal penalty applies.
| Term | APY · $250 and up | APY · Over $5,500 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months12 Month Youth Certificate | 1.51% | — | 1.51% | $151 |
| 24 months24 Month Youth Certificate | 1.36% | — | 1.36% | $274 |
| 30 months30 Month Youth Certificate | 2.00% | — | 2.00% | $508 |
| 30 months30 Month Youth Certificate tier at $5,500.01 minimum | — | 0.00% | 0.00% | $0 |
Sources (1)
- belco.org/rates/certificate-rates · captured Oct 16, 2026
Who can join Belco Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school in Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry, or York counties in Pennsylvania.
Family and household
- Eligibility is open to immediate family members, direct relatives, or dependents of an existing member.
Cost to join
- Membership requires opening a Basic Savings / Share Savings Account with a minimum deposit/balance of $5.00.
Membership information collected October 5, 2026.