Credit union · NCUA insured
Bellco Credit Union Savings Rates
Top CarrotBellco Credit Union’s best savings rate is 2.70% APY on $10,000, with its Member Money Market Account. Rates checked October 22, 2026.
How Bellco Credit Union’s savings 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
2.70%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $270
Member Money Market Account
Top rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Solera
4.34%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $434
Bellco Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0002.35%
- $10,000 balance$10,0002.70%
- $100,000 balance$100,0003.25%
- QualifiedQualified2.70%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier Money Market Account
2.70%APY
Requires $10,000 minimum deposit to open. A low balance fee of $10 is assessed if the daily balance drops below $10,000. Interest compounded daily and paid monthly. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balances below $10,000 do not earn interest. Daily balance below $10,000 incurs a $10 fee. | 0.00% | — | Balances below $10,000 do not earn interest. Daily balance below $10,000 incurs a $10 fee. |
| $10,000 – $50,000 | 2.70% | $270 | |
| $50,000 and up | 3.25% | — |
Sources (3)
All captured Oct 4, 2026
Member Money Market Account
2.70%APY
Requires $1,000 minimum opening/account balance. A $10 fee applies if daily balance drops below minimum balance requirement. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Balances below $1,000 do not earn interest. Daily balance below $1,000 incurs a $10 fee. | 0.00% | — | Balances below $1,000 do not earn interest. Daily balance below $1,000 incurs a $10 fee. |
| $1,000 – $10,000 | 2.35% | — | |
| $10,000 – $25,000 | 2.70% | $270 | |
| $25,000 and up | 2.70% | — |
Sources (1)
- bellco.org/rates · captured Oct 4, 2026
Savings Account
0.10%APY
Membership required. Dividends are computed daily, compounded and credited monthly. Round-Up Savings program is available when paired with a checking account and debit card.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $25 | 0.10% | $10 |
Special-purpose accounts
Health Savings Account
2.25%APY
Must be covered under a high deductible health plan (HDHP). Membership required. Low $16 setup fee. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 2.25% | $225 |
| $10,000 – $25,000 | 2.70% | — |
| $25,000 – $50,000 | 2.70% | — |
| $50,000 – $100,000 | 3.25% | — |
| Over $100,000 | 3.25% | — |
Sources (3)
- bellco.org/personal/personal-banking/saving
- bellco.org/personal/personal-b…g/health-savings-account
- bellco.org/rates
All captured Oct 15, 2026
IRA & Coverdell ESA
2.25%APY
Membership required. Covers Traditional IRA, Roth IRA, and Coverdell Education Savings Account (ESA).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 2.25% | $225 |
| $10,000 – $25,000 | 2.70% | — |
| $25,000 – $50,000 | 2.70% | — |
| $50,000 – $100,000 | 3.25% | — |
| Over $100,000 | 3.25% | — |
Sources (3)
- bellco.org/rates
- bellco.org/personal/personal-banking
- bellco.org/personal/personal-b…dual-retirement-accounts
All captured Oct 15, 2026
Youth Savings
3.25%APY
There must be at least one owner on the account under 25 years of age. Owners under 18 must have an adult owner on the account. Account converts to a savings account when the youngest owner turns 25 years of age. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 3.25% | — |
Sources (3)
All captured Oct 15, 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.