Bellco Credit Union Credit Cards

The Bellco Credit Union Credit Cards 3 18 2026 filing from Bellco Credit Union sets out a purchase APR of 15%–21%, no annual fee and a 0% opening rate. Against the 4,587 filings on this site, that rate lands around the 46th percentile.

What the document actually states

Bellco Credit Union filed this agreement for Bellco Credit Union Credit Cards 3 18 2026 with the Consumer Financial Protection Bureau. It is issued on the Visa network and the filing runs five pages.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a balance transfer rate, a penalty rate and a foreign transaction fee.

This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.

The promotional period

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

Once the introductory period ends the rate becomes 21%, which turns a lingering $5,000 balance into approximately $1,168 of annual interest.

The purchase APR against the corpus

This is a tiered agreement: the filing discloses a purchase APR anywhere from 15% to 21%, a spread of 6 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 34th percentile at the bottom and the 46th at the top.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

The arithmetic of revolving

At the disclosed purchase APR, $2,000 revolving for a full year costs something like $467 in interest.

The corpus median purchase rate is 21.99%, which on the same $2,000 would cost about $492 a year. This filing saves roughly $25 annually against that benchmark.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

What the card costs before you borrow

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

For cash advances the filing discloses a cash advance APR of 21%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

A balance transfer costs $5 or 3% of the amount transferred, whichever is greater up front. The filing does not separately state the rate applied to transferred balances. Transferring $5,000 would cost roughly $150 at the door.

What a missed payment costs

This agreement records no penalty rate at all. Late payment carries a fee, but not the rate increase that many filings in this corpus permit.

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

Against the rest of Bellco Credit Union's filings

13 separate Bellco Credit Union filings appear in the corpus. Pricing across this issuer's filings is uniform at 21% — the rate table does not distinguish one of its cards from another.

7 of the issuer's other 8 disclosing filings are likewise fee-free.

What you cannot learn from the filing

This page cannot tell you a foreign transaction fee, because the filing's disclosure table as read does not contain it.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

The document itself

The original filing, 5 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

21% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.