Join our Highlands Ranch Branch Celebration

Join us as we celebrate the relocation of the Littleton Branch to our new Highlands Ranch Branch located within the Wildcat Shopping Center. The new standalone branch will feature the same great staff, a drive-up teller/ATM lane, coin machine, ample parking, and more. 

HIGHLANDS RANCH RELOCATION CELEBRATION
October 7–12

During the celebration: 

• Each day, the first 50 people to visit the branch will receive a complimentary 21-oz Hydro Flask®
• Enjoy a complimentary HipPOPs® handcrafted gelato bar, which you can customize, available Monday through Friday from 2:30 pm to 4:30 pm and Saturday from 11:00 am to 12:30 pm, while supplies last
• Enter for a chance to win one of six $100 Visa® gift cards or one $500 Visa gift card*

Limited Time Offers: 

Get $300 Cash Back on an Auto Refinance and up to 90 days to make your first payment¹

Get a $200 Bonus when opening your first Checking Account with a qualifying direct deposit of $500 or more.²

Get a Fixed Rate as low as 6.99% APR on a Home Equity ChoiceLine advance of $10,000 or more³

To learn more about these specific offers, click the Learn More button below.

Hydro Flask is a registered trademark of Helen of Troy Limited, and HipPOPs is a registered trademark of HipPops LLC. Visa is a registered trademark of Visa International Service Association.

*NO PURCHASE NECESSARY TO ENTER OR WIN. For Official Rules, visit the Highlands Ranch Branch located at 2219 W. Wildcat Reserve Parkway, Highlands Ranch, CO 80129 during the sweepstakes period. Sweepstakes Period: October 7, 2024, at 9:01 am MT, to October 12, 2024, at 12:59 pm MT.

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Where to Enjoy Free Family Fun in October

It’s October, and that means cooler weather, changing leaves, pumpkin patches, and lots of family fun. If you’re looking for a good way to celebrate autumn, check out a few of the fall festivals going on throughout the state—and best of all, admission to all of them is free!  

• Saturday, October 5: 5^th Annual Prairie Harvest Fest in Aurora. Come on out and enjoy face painting, hay rides, balloon artists, and a bounce house, all while surrounded by food and goods vendors, in the perfect setting to start your holiday shopping.
• Sunday, October 6: Autumn Fest in Golden. Put on by the Golden History Museum, this festival is a celebration of Golden, where you’ll get to experience crafts, a petting farm, a costumed Civil War interpretation, and much more. Food trucks from Woody’s Woodfired Pizzas and Corgi Crepes will also be available.  
• Saturday, October 12: Poudre Pour in Windsor. For an event with a cultural focus, check out the Poudre Pour, which features visual and culinary arts with hands-on education, Latin dance performances, live music, and craft beer tasting. (Although admission to the event is free, beer-tasting tickets are $20 each.)
• Saturday, October 19: Westy Fest in Westminster. Bring the whole family for a full day of entertainment, including live bands, jumping castles, and carnival games.
• Saturday, October 19: Fall Into Fun in Aurora. Presented by the City of Aurora, this event will feature fall-themed activities and live entertainment, as well as a large kids’ area and more.
• Sunday, October 20: Fall Festival Featuring Creepy Crawlies Around the Rock in Castle Rock. Enjoy outdoor games, crafts, an autumn-themed photo booth, and harvest-themed vendors, and don’t miss the chance to check out the Douglas Land Conservancy’s animal booth, which will include snakes, toads, and more. 
• Saturday, October 26: Downtown Spooktacular in Grand Junction. Trick-or-treating is the name of the game at this annual fall event, where kids can safely run from business to business on closed-off Main Street, filling their Halloween bags while enjoying live entertainment and a spooky celebration.
• Sunday, October 27: Family Fall Festival in Fort Collins. Join up with other Northern Colorado families for pumpkin painting, vendors, and other Halloween activities.

With loads going on this month, there’s sure to be a festival near you. Get out and enjoy the season!

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How to Get the Most Out of Boost Checking

Chances are if you’re reading this, you’ve either heard about or currently have a Boost Interest Checking account. Either way, we wanted to dive deeper into the three requirements you need to earn 4.50% APY on balances of up to $25,000. As you’ll see, the ability to earn the highest interest rate is actually simpler than you might think.

1. Make 15 debit card purchases per month

After researching Bellco debit card usage, we found that on average, Bellco members use their debit card 25 times per month. So, using your Boost debit card 15 times should be a breeze. In fact, you don’t have to physically use your debit card as long as your purchase is connected to your debit card. For instance, if you use Apple Pay^™, Google Pay^™ or PayPal_^® to make payments, those count. Online web services such as Amazon and eBay also accept payments linked to debit card accounts, so those would also count towards your monthly 15 purchase requirements. (ATM transactions do not count).

2. Log in to Online or Mobile Banking at least once per month

More and more people use Online Banking to manage their checking account. For some, it’s a daily glance. For others, it’s a full monthly reconciliation. Knowing the status of your checking account balance is important. Mobile and online banking can help you keep track quickly and easily. And you only need to do it once a month to meet this requirement for earning the 4.50% APY.

3. Have at least one direct-deposit transaction per month

Most payroll is in the form of direct deposit. If you make at least one direct deposit per month to your Boost Checking account, you’ve met this requirement. Trust us, your employer won’t mind you making the change and your wallet will be thankful for it. Once you open the checking account, you will have everything you need to set up the direct deposit.

Plus, no minimum balance required means you could have anywhere from $1 to $25,000 in your Boost account to earn 4.50% APY. We’ll even pay a lower interest rate on balances over $25,000 or in months where you don’t meet the requirements. Most other interest checking accounts have more restrictive balance thresholds to earn the highest interest rates.

Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google Inc. PayPal is a registered trademark of PayPal, Inc.

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Medicare Annual Enrollment Period is Here

By MedicareCU

If you’re 65 or over, now is the time to schedule your coverage review with Medicare CU. Medicare’s Annual Enrollment Period is from October 15–December 7. This is the one time of year that everyone can make adjustments and changes to their Medicare coverage. 

Bellco has teamed up with MedicareCU to provide dedicated, licensed Medicare agents to help guide Bellco members through the changes coming to Medicare in 2025. Need help? Simply book an appointment with one of MedicareCU’s licensed agents. You can choose in-person, at your preferred Bellco branch, over the phone, or via Zoom appointment—whatever is most convenient for you.

There are a number of changes beginning January 1, 2025.  If there was ever a time to check on how these changes will impact your costs and coverage, this is a critical year to review. The following is a quick summary of some of these changes that will impact coverage beginning next year:

Sweeping Changes to Medicare Prescription Drug Plans in 2025

The Centers for Medicare and Medicaid Services (CMS), the federal agency that administers the Medicare program, announced sweeping changes to Medicare Prescription Drug plans for 2025.

Many of these updates are a direct result of the Inflation Reduction Act of 2022, a landmark United States federal law, which had a key provision to lower the cost of prescription drug prices. 

Part D Prescription Drug Cost Share has been streamlined to 3 phases:

• Annual Deductible – In 2025, the deductible will be $590 (some plans will have a $0 deductible). You pay 100% of drug costs until deductible is met.
• Initial Coverage – 25% co-insurance on medicine costs until your costs reach $2,000.
• Catastrophic Coverage – $0 medicine costs.

Medicare is capping your out-of-pocket costs for prescription medicines at $2,000 in 2025—this is a game changer! 

Medicare Prescription Payment Plan (M3P):

For the first time, Medicare will allow you to pay your out-of-pocket prescription medicine costs in monthly amounts spread throughout the 2025 plan year, rather than paying your full cost share at the pharmacy.  With this program, you will pay the carrier directly through a monthly bill/payment plan. And you will pay nothing at the pharmacy.  Medicare enrollees should contact their carrier directly to enroll in the program before January 1, 2025, after you have enrolled in your 2025 Medicare plan.

Enrollees can opt out of the program at any time.  However, they will continue to be billed monthly for any cost-sharing amounts still owed.

Failure to pay will result in disenrollment from the prescription payment program (not the plan) after a specified grace period. Once an enrollee leaves the program, they will resume their out-of-pocket cost sharing at the pharmacy.

What counts towards the $2,000 maximum out-of-pocket?

Any money spent during the deductible and initial coverage stages will apply. Premiums for prescription drug plans will NOT apply.

As a result of this change, plans will modify their formularies, so it is important to re-examine your prescription drug coverage and make sure your medicines are on the plan formulary.

Remember, Annual Enrollment Period is October 15–December 7.  You can set up an appointment beginning October 1 to look at new plan costs and formularies. All of the new changes will take effect beginning January 1, 2025.

By contacting our team, you will be scheduled to speak with a licensed insurance agent for Medicare assistance. This service is not affiliated with any government agency. You will not be charged for this information, no cost no obligation. Not affiliated with any government agency. Information provided by Bellco Credit Union in partnership with MedicareCU. By calling this number you may be contacted by a licensed insurance agent to discuss Medicare products.

By texting this number, I am providing express consent to receive marketing communications via automated telephone dialing systems, artificial or pre-recorded voices, emails, live phone calls, pre-recorded calls, postal mail, text messages via SMS or MMS, and other forms of communication regarding offers of Medicare Supplement, Medicare Advantage, Part D or other products from the agent/Company and/or one or more of its marketing partners to the number(s) and/or email I provide, including a mobile phone, even if I am on a state or federal Do Not Call and/or Do Not Email registry. The list of marketing partners may change. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time by contacting the agent/Company.

We don’t offer every plan available in your area. Any information we provide is limited to those plans we offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all of your options.