5 star ratingAverage User Rating:
5 star rating based on 1 review.

Bellco CU (CO)

Bellco CU (CO) Locations
7600 E Orchard Rd Ste 400N
Greenwood Villa, CO 80111
1-800-BELLCO1 (235-5261)
www.bellco.org

NCUA

Bellco CU (CO) is headquartered in Greenwood Villa and is the 2nd largest credit union in the state of Colorado. It is also the 60th largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 398 employees and 213,737 members. Bellco CU (CO)'s savings rates are 2X the national average, and it boasts a 5-star health rating.



Report an Issue
See Rates for: Checking | Savings | Money Market | CD | IRA

Bellco CU (CO) Checking Account Rates

ApyMinMaxProduct
0.15%$50k-Platinum Checking Account

Bellco CU (CO) Savings Account Rates

ApyMinMaxProduct
1.20%-$500Youth Savings Account
1.10%$500-60 Month HSA CD
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

ApyMinMaxProduct
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) CD Rates

ApyMinMaxProduct
1.10%$500-60 Month CD
1.10%$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

ApyMinMaxProduct
1.10%$500-60 Month IRA
1.10%$500-60 Month Roth IRA
1.10%$500-60 Month Coverdell ESA
0.75%$500-36 Month IRA
0.75%$500-36 Month Roth IRA
0.75%$500-36 Month Coverdell ESA
0.50%$500-24 Month IRA
0.50%$500-24 Month Roth IRA
0.50%$500-24 Month Coverdell ESA
0.45%$100k-12 Month Jumbo IRA
0.45%$100k-12 Month Jumbo Roth IRA
0.45%$100k-12 Month Jumbo Coverdell ESA
0.40%$500-12 Month IRA
0.40%$500-12 Month Roth IRA
0.40%$500-12 Month Coverdell ESA
0.30%$100k-6 Month Jumbo IRA
0.30%$100k-6 Month Jumbo Roth IRA
0.30%$100k-6 Month Jumbo Coverdell ESA
0.25%$500-6 Month IRA
0.25%$500-6 Month Roth IRA
0.25%$500-6 Month Coverdell ESA
0.15%$500-3 Month IRA
0.15%$500-3 Month Roth IRA
0.15%$500-3 Month Coverdell ESA

Rates updated: 5/26/2013

Data for Q4 2012


Institution Statistics


BELLCO
NCUA #68437
BankRate ReportView
Year Chartered1936
Employees398
Primary Regulator

Assets and Liabilities

Assets$2.24 billion
Loans$1.67 billion
Deposits$1.94 billion
Equity Capital$257.63 million
Loan Loss Allowance$27.04 million
Unbacked Noncurrent Loans$14.03 million
Real Estate Owned$698,000

Historic Data - December 2011

Assets$2.07 billion
Equity Capital$225.59 million
Loan Loss Allowance$30.66 million
Unbacked Noncurrent Loans$20.25 million
Real Estate Owned$524,000

Profit Margin - Quarterly

Net Interest Margin5.39%
Return on Assets1.4%
Return on Equity12.21%
Interest Income$94.68 million
Non-Interest Income$27.45 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Bellco CU (CO) had $14.72 million in non-current loans and owned real-estate with $284.67 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 Trend4
The Texas Ratio for Bellco CU (CO) decreased slightly from 8.11% as of December 31, 2011 to 5.17% as of December 31, 2012, resulting in a positive change of 36.19%.This indicates that the balance sheet and financial strength for Bellco CU (CO) has improved slightly in recent periods.
Deposit Growth5
In the past year, Bellco CU (CO) has increased its total deposits by $141.89 million, resulting in 7.9% 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.
Capitalization5
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 $2.24 billion in assets with $284.67 million in equity, resulting in a capitalization level of 12.68%, which is excellent.
Write Review

Bellco Is Okay With Me.
5 stars - murphypeople - Thursday, January 3, 2013 - 12:24 AM

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.

2
Vote:
0
We're giving away tickets to the Home for the Holidays show on our Facebook page!
ContestOtherTicket		View Promo Details »
Leave a Comment »
 
Nationwide Savings Accounts
Featured Accounts
CIT Bank
3-year Term IRA CD
1.21% APY

CIT Bank
* All banks listed are a Member FDIC.