Once upon a time, in 1938, a small group of local people created a new financial institution, Bellco Telephone Federal Credit Union, was born. Since establishment, we have removed “Telephone” from our name, but have added many easy-to-use financial products and services. We exist to serve the people and small businesses of Berks County, Pennsylvania.
You may ask, "What Makes Bellco better than the bank next door?"
Well, we are a community-based and not-for-profit federal credit union, meaning you’re a member, not a customer. What’s the difference? Being a credit union member means that you own a part of that organization; it’s as simple as having $5.00 in your savings account. That’s right - as a member, you have the ability to vote for (and even run for) the board of directors and participate in important decision-making processes. Say goodbye to stockholders deciding what’s best for you and your community’s finances!
While “membership” sounds pretty exclusive (and believe us, you’ll feel super exclusive), it’s quite easy to become a member. All you have to do is live, work, go to school, or worship in Berks County. Your immediate family can join, too, regardless of where they live, work, go to school, or worship! The best part? Once you become a member, you’re a member for life. So, if you move out of the state, get a new job in another county, etc, you won’t have to find a new financial institution. Pretty cool, right?
Bellco’s Shared Branching network allows you convenient and easy access to travel stress-free, knowing you can access your funds and member services at any credit union in the country.
Perhaps the best part about being a Bellco member is that you get extremely low rates and high-yield investment accounts. In other words, you’re saving cash when you choose us! All of this for only $5.00? Not to toot our own horn, but we think Bellco is a no-brainer!
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154