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7600 E Orchard Rd Ste 400N
Greenwood Village, CO 80111

Bellco CU (CO) is headquartered in Greenwood Village and is the 2nd largest credit union in the state of Colorado. It is also the 51st largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 366 employees and 229,981 members. Bellco CU (CO)'s savings rates are 3X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

There are four simple ways to make the switch to Bellco: LOCATION: If you live or work in any of the following areas, you are automatically eligible to join Bellco: Adams County; Arapahoe County; Broomfield County; Denver County; Douglas County; Garfield County; Jefferson County; Mesa County; Moffat County; Rio Blanco County; City of Lafayette, CO; City of Louisville, CO; Town of Superior, CO. FAMILY: If anyone in your family is a Bellco member then you are eligible for membership, too. EMPLOYER: If you work for a company that is a Bellco Select Employee Group (SEG). Check our list of employee/association groups. CONSUMERS UNITED ASSOCIATION: Bellco is affiliated with Consumers United Association (CUA), a nonprofit advocacy group educating consumers on financial issues. Members of CUA are automatically eligible to join Bellco. - See Details

Reviews (2)

Bellco Is Okay With Me.

I have been a Bellco Customer since, at least, 1996.  I have trouble logging into their online banking, my wife never does, so I guess this is my issue.  When I call their customer service department they are helpful and my account is quickly unlocked.

I have never had issues with their fees.  I have had a couple auto loans with them.  All of my checking, savings, and direct deposit is with them.

I don't like there rates for PLOCs compared to other banks.  I just read reviews for those same banks and they were so bad I thought I would check out the reviews for Bellco.

Since There were no reviews I thought I would add my .02 to say...

No real troubles with Bellco on my end.

Love This Bank!

I have banked with Bellco for over 12 years and couldn't complain. They have good rates on their loans and credit cards. They recently increased some of their fees, but they are still way less than other banks.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bellco CU (CO) had $16.56 million in non-current loans and owned real-estate with $320.46 million in equity and loan loss allowances on hand to cover it. This gives Bellco CU (CO) a Texas Ratio of 5.17% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bellco CU (CO) experienced no significant changes from 4.53% as of March 31, 2013 to 5.17% as of March 31, 2014, resulting in a negative change of 13.96%. This indicates that the balance sheet and financial strength for Bellco CU (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Bellco CU (CO) has increased its total deposits by $145.04 million, resulting in 7.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bellco CU (CO) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bellco CU (CO) has $2.69 billion in assets with $320.46 million in equity, resulting in a capitalization level of 11.91%, which is excellent.

Institution Statistics

NCUA #68437
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$2.69 billion
Loans$1.92 billion
Deposits$2.16 billion
Equity Capital$280.61 million
Loan Loss Allowance$39.85 million
Unbacked Noncurrent Loans$15.94 million
Real Estate Owned$618,000
Historic Data - March 2013
Assets$2.35 billion
Equity Capital$263.32 million
Loan Loss Allowance$28.25 million
Unbacked Noncurrent Loans$15.94 million
Real Estate Owned$698,000
Profit Margin - Quarterly
Net Interest Margin1.26%
Return on Assets0.76%
Return on Equity7.3%
Interest Income$25.58 million

Always verify rates and promotions with the bank or credit union. We are not Bellco CU (CO), we are a rate comparison website and can not provide official rates or promotions.

Bellco CU (CO) Savings Account Rates

1.50%$500-60 Month HSA CD
1.20%-$500Youth Savings Account
0.75%$500-36 Month HSA CD
0.50%$500-24 Month HSA CD
0.40%$500-12 Month HSA CD
0.25%$100k-IRA Account
0.25%$100k-Roth IRA Account
0.25%$100k-Coverdell Education Savings Account
0.20%$25k-HSA Checking Account
0.05%$25-Savings Account
0.05%--Christmas Club Account
0.05%--Surprise Savings Account
0.05%$100-Basic Business Savings Account

Bellco CU (CO) Money Market Rates

0.40%$250k-Business Premier Money Market Account
0.35%$100k-Business Money Market Account
0.25%$250k-Premier Money Market Account
0.10%$25k-Member Money Market Account

Bellco CU (CO) Checking Account Rates

0.15%$50k-Platinum Checking Account

Bellco CU (CO) CD Rates

1.50%$500-60 Month CD
1.50%$500-Business Regular CD 60 months
0.75%$500-36 Month CD
0.75%$500-Business Regular CD 36 months
0.65%$2,500-36 Month Smart Move CD
0.55%$2,500-30 Month Smart Move CD
0.50%$500-24 Month CD
0.50%$500-Business Regular CD 24 months
0.45%$2,500-24 Month Smart Move CD
0.45%$100k-12 Month Jumbo CD
0.40%$500-12 Month CD
0.40%$2,500-18 Month Smart Move CD
0.40%$50-12 Month Youth CD
0.40%$500-Business Regular CD 12 months
0.30%$100k-6 Month Jumbo CD
0.25%$500-6 Month CD
0.25%$500-Business Regular CD 6 months
0.15%$500-3 Month CD
0.15%$500-Business Regular CD 3 months

Bellco CU (CO) IRA Rates

1.50%$500-60 Month IRA
0.75%$500-36 Month IRA
0.50%$500-24 Month IRA
0.45%$100k-12 Month Jumbo IRA
0.40%$500-12 Month IRA
0.30%$100k-6 Month Jumbo IRA
0.25%$500-6 Month IRA
0.15%$500-3 Month IRA

Bellco CU (CO) has 20 locations. Click to view all Bellco CU (CO) locations.