Credit union · NCUA insured
Bellco Credit Union Auto Loan Rates
Top CarrotBellco Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Bellco Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Bellco Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bellco Credit Union
5.74%APR
- Terms
- —
Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
Bellco Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bellco Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Advertised APR applies to well-qualified borrowers for auto loans originated in Colorado. Final APR depends on credit history, loan term, loan-to-value, and vehicle age. Membership qualification required. Offers up to 100% financing with no application or processing fees. External refinanced loans may qualify for 90 days to first payment (interest accrues during this period).
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | Stated APR is for well-qualified borrowers and applies to auto loans originated in Colorado. Rate varies based on credit history, loan term, loan-to-value, and age of auto. Membership qualification required. |
Motorcycle (Street Legal)
The stated APR applies to well-qualified borrowers for motorcycle loans originated in Colorado. Final APR may vary based on personal credit history, term of loan, loan to value, and age of vehicle. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| — | 10.14% | The stated APR applies to well-qualified borrowers for motorcycle loans originated in Colorado. Final APR may vary based on personal credit history, term of loan, loan to value, and age of vehicle. Membership required. |
Sources (1)
- bellco.org/rates · captured Oct 4, 2026
Who can join Bellco Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in specified Colorado counties are eligible to join.
Employers and groups
- Employees and affiliates of a Bellco Select Employee Group company or association group, and their immediate family members, are eligible to join.
Family and household
- Individuals with a family member related by blood, marriage, or adoption who is a Bellco member are eligible to join.
Other ways
- Interested parties outside of Colorado can become eligible for membership by joining the Bellco Foundation.
Cost to join
- Basic accounts require a share deposit representing an ownership share in Bellco (exact amount not stated).
Membership information collected October 4, 2026.