
Bellco Credit Union, based out of Greenwood Village, Colorado has some noteworthy CD (certificate of deposit) rates at the moment – most notably a 17 month CD yielding 5.00% APY (annual percentage yield).
Bellco Credit Union is the largest credit union in the Denver area, the 2nd largest credit union in Colorado and the 48th largest credit union in the country by assets with over $6.5 billion from their 340,000 members across the country.
They have 28 branches throughout Colorado, however, their CDs can be opened by nearly anyone in the country who is a legal resident or citizen over the age of 18.
If you don’t live in Colorado but are interested in one of Bellco Credit Union’s CD rates, you can still open the deposit account and join the credit union online. There is a one-time $5.00 membership fee and a $5.00 share deposit account that you’re required to open and maintain as your ‘share’ in the credit union.
To see if Bellco Credit Union and their CDs are right for you, continue reading our review below.
Bellco Credit Union CD Rates + Account Details

Bellco Credit Union’s CDs are insured by the NCUA which is the FDIC equivalent for credit unions. Bellco offers 6 types of CDs to their members. These are:
- Traditional CDs – These come with terms ranging from 3 months to 5 years.
- Smart Move CDs – These come with a higher minimum deposit requirement, a one-time rate bump, a one-time additional deposit allowance and a one-time withdrawal allowance.
- Jumbo CDs – These come with a $100k minimum and only feature 6 and 12 month terms.
- Youth CD – These come with a $50 minimum and a 12 month term only. Must be under 24 years old.
- HSA CD – You can invest a portion of your HSA. Terms from 12 months to 5 years.
- IRA CD – CDs for your Traditional or ROTH IRA.
Traditional CD Rates
Traditional CDs require a minimum deposit of $500 to open. They can be opened online or in a local branch.
CD Term | APY |
3 months | 2.75% |
6 months | 3.50% |
12 months | 3.90% |
24 months | 4.25% |
36 months | 4.25% |
60 months | 4.00% |
To give these yields some context, the current national average for a 12 month and a 60 month CD sit at 1.36% and 1.26% APY, respectively, according to FDIC data.
Smart Move CD Rates
Smart Move CDs require a minimum deposit of $2,500 to open.
CD Term | APY |
18 months | 2.40% |
24 months | 3.40% |
30 months | 3.40% |
36 months | 3.15% |
You’ll be allowed one rate bump if rates rise during your term, plus a one-time cash addition of $100 or more, as well as a one-time withdrawal from the account as long as $1,000 balance is left.
Jumbo CD Rates
Jumbo CDs require a minimum deposit of at least $100,000 to open.
CD Term | APY |
6 months | 3.50% |
12 months | 4.00% |
Youth CD Rates
Youth CDs require a minimum deposit of just $50 and you must be 24 years old or younger to open the account.
HSA CD Rates
HSA CDs can be opened with funds from your HSA (Health Savings Account). They require a minimum deposit of $500 to open.
CD Term | APY |
12 months | 3.90% |
24 months | 4.25% |
36 months | 4.25% |
60 months | 4.00% |
IRA CD Rates
IRA CDs can be opened within your Traditional IRA or Roth IRA and require a minimum deposit of $500 to open.
CD Term | APY |
3 months | 2.75% |
6 months | 3.50% |
12 months | 3.90% |
24 months | 4.25% |
36 months | 4.25% |
60 months | 4.00% |
Compounding and Crediting Interest
Interest on all Bellco Credit Union CDs is compounded monthly and credited back to the account on the last day of each month.
Grace Period and Early Withdrawal Fees
Upon the maturity of your Bellco CD, you will have 10 days in which you may close out the CD or modify it in any way. If nothing is done during this 10 day grace period your CD will automatically renew with the same term and the going APY at that time.
If you need the funds in your CD prior to its maturity you will face an early withdrawal fee. The fee structure is as follows:
CD Term | Early Withdrawal Fee |
3 months | 30 days’ interest on amount withdrawn |
6 – 36 months | 90 days’ interest on amount withdrawn |
60 months | 180 days’ interest on amount withdrawn |
You can read more in Bellco Credit Union’s Truth in Savings Disclosure Form here.
Opening and Funding your Bellco CD
Opening and funding a Bellco Credit Union CD can be done completely online and obtaining membership in the credit union can be completed during the process of applying for your CD.
Here’s the personal information you’ll need to expedite the process:
- E-mail address,
- Phone number
- Mobile phone with a camera to capture photo ID images and take a selfie
- Driver’s license, passport or state issued ID
- Social Security number
- Current Employment Information (including occupation)
If funding your CD from an outside bank or credit union, you’ll need the following information:
- Current bank or credit union’s routing number.
- Current bank account number where funds will be transferred from to fund the CD.
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