Belco Community Credit Union

Overview / Commentary
449 Eisenhower Blvd
Harrisburg, PA 17111

Belco Community Credit Union is headquartered in Harrisburg and is the 15th largest credit union in the state of Pennsylvania. It is also the 472nd largest credit union in the nation. It was established in 1939 and as of March of 2024, it had grown to 224 employees and 75,100 members at 16 locations. Belco Community Credit Union's money market rates are 8X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Belco Community Credit Union is open to anyone who lives, works, worships, attends school, or volunteers in the Pennsylvania counties of Adams, Cumberland, Dauphin, Lebanon, Lancaster, Perry or York.
See current membership details

Reviews (2)

Belco - Best place to get a loan

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Belco Credit Union is by far one of the best credit unions in my area. They offer many different types of loans and accounts. My first experience with them was when I needed a loan for a boat. They were more than willing to go into detail with each and every item on the sale form. I was approved and was able to go into a Belco office within an hour to sign the official paperwork. The agent made sure that I understood everything. When I decided to buy a car, I was apprehensive because my credit was not the greatest and I didn't think I would get a good rate. After trying different banks/companies I decided to try Belco. I was approved instantly and was given a low rate. The lady who helped me called me daily through the process to update me on the approval and the paperwork etc...I found a car on a Thursday and was driving it off the lot Saturday. I was able to go pick up the loan check Friday and it was a smooth process. I recommend Belco to anyone who needs a loan.

Hit You With Fees Left And Right

I banked there for several years and they were fine. Then they started hitting me with fees left and right. They started acting more like a bank. Their phone help became smarmy and sarcastic. Their web site makes it hard or impossible to find basics like what hours you can call for service or the link to their online banking. I am very happy to be taking my business elsewhere.


Health Grade Components

NCUA #68256
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD-0.2%
Return on Equity - YTD-4%
Annual Interest Income$10.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$932.6MM$955.6MM
LoansQ1 2024vs Q1 2023$627.3MM$653.1MM
DepositsQ1 2024vs Q1 2023$806.3MM$864.5MM
Equity CapitalQ1 2024vs Q1 2023$45.7MM$44.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$4.8MM$3.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.7MM$5.7MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Belco Community Credit Union Savings Account Rates

4.00%$0$10Coin Catcher Savings
0.25%*$10k*-IRA Share
OTHER TIERS: 0.05% $5 - $10k
0.20%*$0$10kSavings Safari Club Account
OTHER TIERS: 0.05% $10k+
0.20%*$0$10kXtreme Teen Savers Club Account
OTHER TIERS: 0.05% $10k+
0.10%$0-Holiday Club Account
0.05%$0-Whatever Club Account
0.05%$0-Critter Club Account
0.04%$50-Basic Savings Account

Belco Community Credit Union Money Market Rates

3.75%*$500k*-Business Money Market
OTHER TIERS: 0.80% $250 - $25k | 1.00% $25k - $100k | 1.25% $100k - $250k | 1.50% $250k - $500k
3.50%*$1m*-Money Market
OTHER TIERS: 0.50% $250 - $10k | 0.55% $10k - $25k | 0.70% $25k - $50k | 0.75% $50k - $100k | 1.00% $100k - $250k | 1.25% $250k - $500k | 3.00% $500k - $1m

Belco Community Credit Union Checking Account Rates

0.65%*$100k*-Business Interest Checking
OTHER TIERS: 0.25% $0 - $25k | 0.35% $25k - $50k | 0.45% $50k - $75k | 0.55% $75k - $100k
0.45%*$100k*-Premier Interest Checking
OTHER TIERS: 0.05% $0 - $25k | 0.15% $25k - $50k | 0.25% $50k - $75k | 0.35% $75k - $100k
0.03%$0-50+ Interest Checking
0.03%$0-Convenient Interest Checking

Belco Community Credit Union CD Rates

4.85%$500-11 Month CD Special
2.22%*$75k*-60 Month CD
OTHER TIERS: 2.07% $500 - $10k | 2.12% $10k - $50k | 2.17% $50k - $75k
2.12%*$75k*-48 Month CD
OTHER TIERS: 1.97% $500 - $10k | 2.02% $10k - $50k | 2.07% $50k - $75k
2.07%*$75k*-36 Month CD
OTHER TIERS: 1.92% $500 - $10k | 1.97% $10k - $50k | 2.02% $50k - $75k
1.92%$500-36 Month Bump Up CD
1.92%*$75k*-24 Month CD
OTHER TIERS: 1.76% $500 - $10k | 1.81% $10k - $50k | 1.87% $50k - $75k
1.92%*$75k*-24 Month Youth CD
OTHER TIERS: 1.76% $250 - $10k | 1.81% $10k - $50k | 1.87% $50k - $75k
1.87%*$75k*-18 Month CD
OTHER TIERS: 1.71% $500 - $10k | 1.76% $10k - $50k | 1.81% $50k - $75k
1.76%$500-24 Month Bump Up CD
1.71%$500-18 Month Bump Up CD
1.71%$500-18 Month Add-On CD
1.71%*$75k*-12 Month CD
OTHER TIERS: 1.56% $500 - $10k | 1.61% $10k - $50k | 1.66% $50k - $75k
1.71%*$75k*-12 Month Youth CD
OTHER TIERS: 1.56% $250 - $10k | 1.61% $10k - $50k | 1.66% $50k - $75k
1.61%*$75k*-9 Month CD
OTHER TIERS: 1.46% $1k - $10k | 1.51% $10k - $50k | 1.56% $50k - $75k
1.56%$500-12 Month Bump Up CD
1.56%*$75k*-6 Month CD
OTHER TIERS: 1.41% $1k - $10k | 1.46% $10k - $50k | 1.51% $50k - $75k
1.51%*$75k*-3 Month CD
OTHER TIERS: 1.36% $1k - $10k | 1.41% $10k - $50k | 1.46% $50k - $75k

Belco Community Credit Union IRA Rates

4.85%$500-16 Month IRA Special
2.22%*$75k*-60 Month IRA
OTHER TIERS: 2.07% $500 - $10k | 2.12% $10k - $50k | 2.17% $50k - $75k
2.12%*$75k*-48 Month IRA
OTHER TIERS: 1.97% $500 - $10k | 2.02% $10k - $50k | 2.07% $50k - $75k
2.07%*$75k*-36 Month IRA
OTHER TIERS: 1.92% $500 - $10k | 1.97% $10k - $50k | 2.02% $50k - $75k
1.92%*$75k*-24 Month IRA
OTHER TIERS: 1.76% $500 - $10k | 1.81% $10k - $50k | 1.87% $50k - $75k
1.71%*$75k*-12 Month IRA
OTHER TIERS: 1.56% $500 - $10k | 1.61% $10k - $50k | 1.66% $50k - $75k


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