Credit union · NCUA insured
Bellco Credit Union CD Rates
Top CarrotBellco Credit Union’s best CD rate is 4.10% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Bellco Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Bellco Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bellco Credit Union
4.10%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,225
Traditional CD
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Bellco Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.10%
- 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 Bellco 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.
Traditional CD
Up to 4.10%APY · 6 terms
Open with as little as $500. Early withdrawal penalties may apply. Rates apply to consumer accounts only. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance to earn APY is $500 | 2.75% | $68 |
| 6 monthsMinimum balance to earn APY is $500 | 3.85% | $191 |
| 12 monthsMinimum balance to earn APY is $500 | 3.90% | $390 |
| 24 monthsMinimum balance to earn APY is $500 | 4.00% | $816 |
| 36 monthsMinimum balance to earn APY is $500 | 4.05% | $1,265 |
| 60 monthsMinimum balance to earn APY is $500 | 4.10% | $2,225 |
Sources (2)
All captured Oct 4, 2026
Promotional CD
4.00%APY · 2 terms
After maturity, if renewed, the 13-month and 17-month CDs automatically revert to a 12-month Traditional CD earning the base rate in effect. Early withdrawal penalties may apply. Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsMinimum balance to earn APY is $500. Automatically reverts to a 12-month Traditional CD at maturity upon renewal | 4.00% | $434 |
| 17 monthsMinimum balance to earn APY is $500. Automatically reverts to a 12-month Traditional CD at maturity upon renewal | 4.00% | $571 |
Sources (2)
All captured Oct 4, 2026
Jumbo CD
Up to 3.90%APY · 2 terms
Requires a minimum opening deposit and balance to earn APY of $100,000. Early withdrawal penalties may apply. Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum deposit and minimum balance to earn APY is $100,000 | 3.85% | — |
| 12 monthsMinimum deposit and minimum balance to earn APY is $100,000 | 3.90% | — |
Sources (2)
All captured Oct 4, 2026
Smart Move CD
Up to 3.40%APY · 4 terms
Start with a minimum of $2,500. Option to make a one-time bump-up to the rate currently offered for the same type certificate account anytime during the original term. Ability to make a one-time additional deposit of $100 or more. Flexibility to make one penalty-free withdrawal during the account term as long as a minimum balance of $1,000 remains. Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsMinimum opening account balance is $2,500; minimum balance to earn APY is $1,000 | 2.40% | $362 |
| 24 monthsMinimum opening account balance is $2,500; minimum balance to earn APY is $1,000 | 3.40% | $692 |
| 30 monthsMinimum opening account balance is $2,500; minimum balance to earn APY is $1,000 | 3.40% | $872 |
| 36 monthsMinimum opening account balance is $2,500; minimum balance to earn APY is $1,000 | 3.15% | $975 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
HSA CD
Up to 4.10%APY · 4 terms
Start with a minimum deposit of $500. Health Savings Account CD for eligible medical expenses. Early withdrawal penalties may apply. Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to earn APY is $500 | 3.90% | $390 |
| 24 monthsMinimum balance to earn APY is $500 | 4.00% | $816 |
| 36 monthsMinimum balance to earn APY is $500 | 4.05% | $1,265 |
| 60 monthsMinimum balance to earn APY is $500 | 4.10% | $2,225 |
Sources (2)
All captured Oct 4, 2026
IRA & Coverdell ESA CDs
Up to 4.10%APY · 6 terms
Available for Traditional IRA, Roth IRA, and Coverdell ESA accounts. Fixed rate after issuance. Early withdrawal penalties may apply. Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum account balance to earn APY is $500 | 2.75% | $68 |
| 6 monthsMinimum account balance to earn APY is $500 | 3.85% | $191 |
| 12 monthsMinimum account balance to earn APY is $500 | 3.90% | $390 |
| 24 monthsMinimum account balance to earn APY is $500 | 4.00% | $816 |
| 36 monthsMinimum account balance to earn APY is $500 | 4.05% | $1,265 |
| 60 monthsMinimum account balance to earn APY is $500 | 4.10% | $2,225 |
Sources (3)
- bellco.org/personal/personal-b…g/certificate-of-deposit
- bellco.org/personal/personal-b…dual-retirement-accounts
- bellco.org/rates
All captured Oct 4, 2026
IRA Jumbo CDs
Up to 3.90%APY · 2 terms
Requires a minimum account balance of $100,000. Available for Traditional and Roth IRAs. Fixed rate after issuance. Early withdrawal penalties may apply. Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum account balance to earn APY is $100,000 | 3.85% | — |
| 12 monthsMinimum account balance to earn APY is $100,000 | 3.90% | — |
Sources (2)
All captured Oct 4, 2026
Youth CD
3.90%APY · 1 term
Start with as little as $50 to open. Ability to make additional deposits of $25 or more during the term. Available for members 24 years old and younger (persons under 18 require an adult owner). Account converts to a Traditional CD account when the CD term ends or when the youngest owner turns 25 years old, whichever comes last.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires at least one owner under 25 years of age. Minimum opening deposit and minimum balance to earn APY is $50. Additional deposits of $25 or more allowed | 3.90% | $390 |
Sources (3)
- bellco.org/promo/student-banking
- bellco.org/personal/personal-b…g/certificate-of-deposit
- bellco.org/rates
All 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.