3 star ratingAverage User Rating:
3 star rating based on 2 reviews.

Bellwether Community Credit Union

Bellwether Community Credit Union Locations
425 Hooksett Rd
Manchester, NH 03104
603-645-8181
www.bccu.org

NCUA

Bellwether Community Credit Union is headquartered in Manchester and is the 5th largest credit union in the state of New Hampshire. It is also the 568th largest credit union in the nation. It was established in 1921 and as of December of 2012, it had grown to 78 employees and 29,685 members. Bellwether Community Credit Union has a 5-star health rating.

Bellwether Community Credit Union Routing Number: 211489478

Related Posts

Expired: 2.00% 11-Month CD Special at Bellwether Community Credit Union - New Hampshire Only - 3/2/2010

Update: This CD special is no longer available.



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See Rates for: Checking | Savings | Money Market | CD | IRA

Bellwether Community Credit Union Checking Account Rates

ApyMinMaxProduct
0.10%$2,500-Platinum Loyalty Checking
0.01%$300-Gold Loyalty Checking

Bellwether Community Credit Union Savings Account Rates

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0.47%-$500Save It Today! Kid's Club
0.25%$100-IRA Savings
0.25%$100-Roth IRA Savings
0.25%$100-CESA Savings
0.10%$100-Primary Share Savings
0.10%$100-Secondary Savings
0.10%$100-Club Account

Bellwether Community Credit Union Money Market Rates

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0.47%$100k-Money Market Account

Bellwether Community Credit Union CD Rates

Bonus rates are available on CD products, see the bank's website for details.


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1.40%$500-60 Month Certificate - with Platinum Level Loyalty Rewards Checking
1.15%$500-48 Month Certificate - with Platinum Level Loyalty Rewards Checking
1.00%$500-36 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.80%$500-13 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.70%$500-24 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.40%$500-12 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.30%$500-6 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.25%$500-3 Month Certificate - with Platinum Level Loyalty Rewards Checking

Bellwether Community Credit Union IRA Rates

Bonus rates are available on IRA products, see the bank's website for details.


ApyMinMaxProduct
1.40%$500-60 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
1.40%$500-60 Month Roth IRA Certificate - with Platinum Level Loyalty Rewards Checking
1.40%$500-60 Month CESA Certificate - with Platinum Level Loyalty Rewards Checking
1.15%$500-48 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
1.15%$500-48 Month Roth IRA Certificate - with Platinum Level Loyalty Rewards Checking
1.15%$500-48 Month CESA Certificate - with Platinum Level Loyalty Rewards Checking
1.00%$500-36 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
1.00%$500-36 Month Roth IRA Certificate - with Platinum Level Loyalty Rewards Checking
1.00%$500-36 Month CESA Certificate - with Platinum Level Loyalty Rewards Checking
0.70%$500-24 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.70%$500-24 Month Roth IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.70%$500-24 Month CESA Certificate - with Platinum Level Loyalty Rewards Checking
0.40%$500-12 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.40%$500-12 Month Roth IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.40%$500-12 Month CESA Certificate - with Platinum Level Loyalty Rewards Checking
0.30%$500-6 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.30%$500-6 Month Roth IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.30%$500-6 Month CESA Certificate - with Platinum Level Loyalty Rewards Checking
0.25%$500-3 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.25%$500-3 Month Roth IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.25%$500-3 Month CESA Certificate - with Platinum Level Loyalty Rewards Checking

Rates updated: 5/21/2013

Data for Q4 2012


Institution Statistics


BELLWETHER COMMUNITY
NCUA #60747
BankRate ReportView
Year Chartered1921
Employees78
Primary Regulator

Assets and Liabilities

Assets$361.19 million
Loans$244.62 million
Deposits$270.31 million
Equity Capital$46.46 million
Loan Loss Allowance$1.25 million
Unbacked Noncurrent Loans$682,000
Real Estate Owned$30,000

Historic Data - December 2011

Assets$353.00 million
Equity Capital$45.73 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$1.14 million
Real Estate Owned$101,000

Profit Margin - Quarterly

Net Interest Margin3.55%
Return on Assets0.29%
Return on Equity2.29%
Interest Income$13.03 million
Non-Interest Income$3.22 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 Bellwether Community Credit Union had $712,000 in non-current loans and owned real-estate with $47.7 million in equity and loan loss allowances on hand to cover it. This gives Bellwether Community Credit Union a Texas Ratio of 1.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Bellwether Community Credit Union decreased significantly from 2.64% as of December 31, 2011 to 1.49% as of December 31, 2012, resulting in a positive change of 43.37%.This indicates that the balance sheet and financial strength for Bellwether Community Credit Union has improved significantly in recent periods.
Deposit Growth4
In the past year, Bellwether Community Credit Union has increased its total deposits by $9.2 million, resulting in 3.53% 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 Bellwether Community Credit Union has shown is above average.
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. Bellwether Community Credit Union has $361.18 million in assets with $47.7 million in equity, resulting in a capitalization level of 13.21%, which is excellent.
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Waste Of Time
1 stars - bwest - Friday, February 10, 2012 - 4:03 PM

 

FACTS:

I was approved for a loan with Laconia Savings Bank.

Bell weather had a better deal so i called them.

It took them 5 days after several pieces of paperwork to tell me i was denied.

I have over 1,000,000.00 in assets a great salary and almost 0.00 debt w/ a credit score above 700!

I went back LSB. Bell Weather is a complete waste waste of time and Extremely unprofessional

Find someone else.

3

Bellwether Treats Its Members And Employees Like Gold
5 stars - terrie - Friday, February 11, 2011 - 9:11 AM

I work for BCCU and they treat both their members and employees extremely well. BCCU truly cares about its members, and we are taught as employees that members are what keep us employed. BCCU is wonderful to employees and has never had a layoff. In these challenging times, I think that's pretty special!

1
 
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