Traditional CD

Traditional CDs allow you to invest a specific amount for a predefined term with fixed interest rates throughout the life of your CD: 

• Open with as little as $500.
• Earn more with Bellco’s competitive interest rates.
• Choose from a wide array of short- or long-term options.

Smart Move CD

Smart Move CDs offer the same benefits as traditional certificates of deposit with additional advantages: 

• Start with a minimum of $2,500.
• Make a one-time “bump-up” to the next interest rate anytime during the term of your CD.
• Ability to add a one-time additional deposit of $100 or more to your existing account.
• Flexibility to make one withdrawal during the account term with no penalty—as long as a minimum balance of $1,000 is left in the account.

Jumbo CD

Consider our Jumbo CD for a significant investment:

• A minimum deposit of $100,000.
• Typically earns higher interest than traditional CDs with equivalent terms.

Youth CD

Help your youngster develop strong financial habits and goals with a youth certificate of deposit:

• Start with as little as $50 to open.
• Ability to add funds during the term of your CD.
• Available for members 24 years old and younger.

HSA CD

Invest a portion of your HSA and earn income for your health savings with a fixed-rate CD:*

• Start with a minimum deposit of $500
• Contributions may be tax-deductible**
• Tax-deferred dividend earnings with competitive interest rates
• Tax-free withdrawals if you use funds for qualified expenses
• Easy access to funds with HSA debit card and checks

IRA CD

Whether you’re an employee or a self-employed worker, you can increase your retirement savings with an IRA CD:

• Invest a portion of your Traditional or Roth IRA
• Defer tax payments on Traditional IRA earnings to future withdrawals**
• Enjoy higher rates than a traditional savings account

IRA & Coverdell CDs – $500 Minimum Account Balance

IRA & Coverdell Jumbo CDs – $100,000 Minimum Account Balance