Belco’s Visa Card and Terms are Top of the Line

Unsecured lines of credit can be more difficult to get approved than secured lines of credit – this is because secured lines require a member to put up collateral for the loan or cash they need. However, once approved for Belco’sVisa® Platinum Prime Card, it really is the only card you will ever need. Accountability is the key to having a Visa® Platinum Prime account with Belco. Just as a member is responsible for paying back what they borrow, Belco also has a responsibility to help members avoid unnecessary fees and protect your account from fraudulent charges.

What do you get with Belco Community Credit Union’s Visa® Platinum Prime Card?

·         Belco’sVisa® Platinum Prime program offers a 12-month intro rate as low as 2.49% APR on balance transfers and purchases.

·         No annual fee

·         No balance transfer fee

·         Same rate for purchases and cash advances

·         You could be approved for a credit limit up to $20,000.

·         24/7 account access from your PC or mobile device, so you can view activity and make payments when it’s convenient for you.

Optional debt protection insurance is also available.

Are there additional perks and options?

·         Belco also offers the option of a Business Visa®Business Card to help manage the expenses of your business.

·         When you enroll your cards in Belco Rewards, you’ll earn points on every qualifying purchase that can then be redeemed for cash back, gift cards, merchandise, airfare, and more!

These are programs certainly worth looking into, and we think you will be pleasantly surprised by the perks a Belco Visa Card offer you – our valued member.

Apply today for a BelcoVisa® Platinum Prime Card!

Insurance & Investments from a Trusted Resource

Trust is everything.  And we here at Belco Community Credit Union are truly honored at the trust

you place in us by being one of our members.  With that in mind, we are pleased to highlight the availability of the Belco Retirement & Investment Services (BRIS) Program.

Designed exclusively for credit union members, and located right here at the credit union, the BRIS Program offers retirement, insurance and investment programs designed to help you and your family through a lifetime of financial planning needs.  

Some of the products and services available include:

•    401(k) / Pension Rollovers*
•    Retirement Planning
•    Education Funding
•    Mutual Funds    •    Life Insurance
•    Long-Term Care Insurance
•    Wealth Management
•    Tax-managed Investing**

And, in the spirit of the credit union philosophy, this Program is designed to assist a wide variety of members – from those just starting a savings plan, to those with sizable assets looking for more sophisticated financial management tools.  Whether you’re looking for guidance on just one financial need you want to tackle today, or if you’re interested in putting together a comprehensive plan, please call (717) 720-6220 for a no-cost, no-obligation analysis with a financial advisor. 

*Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account (IRA), you should consider whether the rollover is suitable for you.  There may be important differences in features, costs, services, withdrawal options and other important aspects between your employer-sponsored retirement account and an IRA. 

**Representatives are not tax advisors.  For information regarding your specific tax situation, please consult a tax professional.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members.  Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.   CBSI-1259623.2-0717-0820

Why Credit Unions Are a Good Choice

Credit unions have continued to provide financial services to the community just like banks. While the services offered are somewhat similar, there are slight differences that remain evident. These differences are what set them apart from each other.

Credit unions are not banks. They are not-for-profit, financial institutions that are in principle owned by their members. Since they are not bound to shareholders that only want to earn profits at all costs, they take a different approach to helping people meet their personal financial goals. When a person opens an account at a credit union, that person becomes a member and gains access to benefits that traditional banks are unable to provide. Some of the benefits of membership include:

•    Access to a higher level of service – The primary focus of a bank is to take care of the shareholder by making money. A credit union’s purpose is to serve members no matter how much or little money they have in their accounts.

•    Better account terms – Banking institutions often have high minimum deposit requirements for opening checking or savings accounts. Credit unions usually have lower minimum deposit amounts and are able to offer reduced service fees. They are able to do so because they exist to serve member needs.

•    Favorable credit terms – Credit union members have access to loans and credit cards, along with investment products, much like typical banks offer. The difference, however, is credit unions are able to offer more favorable terms for members. Lower interest rates, for example, are likely on credit card accounts and loans. More flexible lending terms may also be available on loans for credit union members.

Credit union membership provides benefits that traditional banks simply cannot offer. When membership is available, this is a sound option for meeting personal financial needs.