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Routing Number: 302075018

Category: Loans

What Can a Home Equity Loan Be Used For?

Your home is a big investment and using its equity can be a great way to access cash quickly. However, because your equity is backed...

Rate Cuts Explained: What It Means for Your Money

For the first time in four years, the Federal Reserve cut interest rates by 0.5 percentage points in September 2024, bringing rates to a target...

Four Tips to Assess if a HELOC Fits Your Financial Needs

When looking to borrow money, some homeowners might not be aware of an asset right at their fingertips: the equity in their home. As of...

Home Equity Rates Guide: Variable Vs. Fixed Rates

If you’re a homeowner, using your home’s equity can be a great way to borrow money if you’re considering a major purchase, funding a large...

*Membership eligibility required. All loans subject to approval by Bellco. Variable Annual Percentage Rate (APR) for well-qualified borrowers as of July 1, 2025 is 7.50% and is subject to change without notice. Maximum APR for variable rate advance is 21%. Variable rate may change after account opening. The variable rate for advances shall be the Prime Rate as published in the “Money Rates” section of the Wall Street Journal plus a margin based on your creditworthiness and combined loan to value at the time of application. APR for fixed-rate advances will be set at the time you fix the rate based on the original application credit score, lien position, and combined loan to value using today’s current fixed rate. This fixed rate will be in effect for the whole term of the applicable fixed-rate subaccount, which cannot exceed the remaining term of the loan. Property must be insured, owner occupied (primary or secondary), and located in Colorado.

**To qualify for the no closing cost option, a $5,000 initial advance must be taken at closing. Closing costs paid by Bellco apply to standard closing costs, excluding appraisal. Unique closing costs associated with your loan will not be covered (e.g., subordination agreements, lien releases, etc.) An appraisal, paid for by the borrower, may be required to determine the value of the property, and is not a covered closing cost. Closing costs paid by Bellco must be repaid if the loan is refinanced or paid off within 36 months of the original closing date.

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Category: Loans

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