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Home Equity Line of Credit
Introductory Rate of 1.75% for 12 Months
We are excited to be able to make the convenience, affordability and flexibility of our new Home Equity Line of Credit ("HELOC" for short) available and at such a great promotional rate. Use your HELOC for purchases big and small.
CONVENIENT
Use your HELOC when YOU need it. After initial qualification, you can use your R-S Bellco HELOC at any time for any reason.
Want to make some home repairs? Your HELOC has your back.
Looking for a car? Count on your HELOC!
Splurge at the mall? Let your HELOC bail you out.
We make accessing your HELOC easy too!
- Write a Home Equity Credit Line check.
- Stop in the credit union for an advance.
- You can even access your HELOC through Home Banking!!
AFFORDABLE
Your R-S Bellco HELOC helps you save in some very important ways...
- There are no up-front costs for lines of $15,000 or more.
- Our 1.75% promotional rate for the first 12 months simply can't be beat. After the first year you will continue to enjoy a great rate equal to Prime Rate, with a minimum of 4.00%.
- Your monthly HELOC loan payment is set at a very affordable 1.0% of your balance after the latest advance.
- The interest you pay on your HELOC may be tax deductible (consult your tax advisor)
FLEXIBILITY
Your R-S Bellco HELOC offers a lot of flexibility too. After the initial draw, you can add to your HELOC without the hassle of re-applying. You may also pay more than your minimum payment anytime to reduce the amount if interest you will pay in the future.
APR=Annual Percentage Rate. Rate discount is based on a one year fixed term from the initial disbursement date. After one year, the APR will be indexed to the Prime Rate found in the Money Rates Section of the Wall Street Journal published 15 days prior to the first day of each calendar quarter with a minimum 4.00% APR. Minimum credit limit is $10,000. Other terms apply. Rates are effective as of April 1, 2011. All rates are subject to change without notice. All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied.
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Fixed Rate Home Equity Loan - 84 Months As Low As 3.75%!
We work to give our members the best every day, but from time to time it is important that we show how much we appreciate your loyalty to us. This is one of those times.
So if you have your qualifying share draft (checking) account at R-S Bellco, you qualify for our Member Loyalty Reward Home Equity Loan with a rate as low as 3.75% for up to 7 years (84 months).
Use your reward to consolidate bills, make improvements around the house or for any other reason and enjoy the low rate with our thanks for your loyalty.
New and Used Car Rates Now As Low As
2.50% * 2.50% * 2.50% * 2.50% * 2.50%
Whether you are just starting to look for a car or you already have the car and got your financing through the dealer, do yourself a favor and check out our low rates and save. Even if you have had your car for a couple of years, bringing your loan to R-S Bellco may save you big $$$’s.
Need a longer term? We also have rates as low as 2.99% for up to 60 months!
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Home Equity Loan Rates As Low As
3.99% * 3.99% * 3.99% * 3.99% * 3.99%
Don't qualify for our Member Loyalty Reward Home Equity Special? Don't worry. You can get a home equity loan at the CRAZY-LOW rate of just 3.99% for up to 60 months. Use the equity in your home to consolidate debts, make home improvements, finance a college education or for any other reason. The interest you pay may be tax deductible (consult your tax adviser).
Need a longer term? How about as low as 4.99% for 10 years? Click here to see even more rates!
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Holiday Loan Special
 Did you overdo it over the holidays? Does the car need repairs? Do you just need to get out of town?!!!!!!Whatever your need, we have a solution. Qualified borrowers can get up to $3,000.00 for up to 18 months at 5.99%.
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Courtesy Pay is Here!!
Courtesy Pay arrived at R-S Bellco on August 1, 2010. Participating members received information about the service in a mailing sent in early July. JUST ANOTHER FREE SERVICE FROM YOUR CREDIT UNION!
Why Courtesy Pay?
Have you ever had a check or other payment returned due to insufficient funds? That can be really embarrassing, frustrating and can result in additional fees from the merchant or retailer. R-S Bellco understands that members need an occasional safety net to avoid this type of situation, which is why we offer Courtesy Pay.
What is Courtesy Pay?
Courtesy Pay is a non-contractual overdraft program that we offer to our members with eligible share draft (checking) accounts. As long as you maintain your account in good standing, we may cover insufficient items up to your approved limit of $500.00. We will charge our normal NSF fee of $25.00 and send you a notice each time an overdraft occurs. You are required to make a deposit and bring your account to a positive balance within 30 days.
Are Other Overdraft Protection Options Available?
Yes, we offer overdraft protection alternatives, such as overdraft transfer from other share (savings) accounts, which may be less expensive than Courtesy Pay. To learn more about automatic transfer services or to arrange for service, ask us for an authorization form.
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What is Your Mortgage Rate?
Did you know that mortgage rates are at near all-time lows? If the rate on your mortgage is not as low as these rates, check with our partners at CUC Mortgage about a refinance to reduce your payment. Click on their logo below to apply on-line and check on current rates. Do you need more help? Come in to see Chris or Diane and they will help walk you through the process. Other terms and rate options are availalble.
FHA LOANS ARE NOW AVAILABLE
THROUGH CUC MORTGAGE!!!
| Conventioanl Fixed Rate Loans |
Rate(a)
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APR
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Points
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| 20 Year Mortgage |
4.000%
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4.078%
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NONE
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30 Year Mortgage
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4.125%
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4.182%
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NONE
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| FHA Fixed Rate Loans |
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| 15 Year Mortgage |
3.500%
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3.767%
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NONE
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30 Year Mortgage
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4.000%
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4.562%
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NONE
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(a) rates are as of December 23, 2011 and are subject to change without notice.
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Motorcycles, RVs, Boats, Jet Skis & ATVs Too!!
 Our rates start as low as 3.99% for new and late model motorcycle loans and are great for all the toys. Check all our rates out on-line at www.rsbellcofcu.com or call Diane or Chris to get a fast, free personal rate estimate.
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FREE Coin Machine
Come use our coin machine to turn that loose, heavy change into the folding green stuff. Better yet, stash it away in your savings for a rainy day! Best of all, its FREE. Just another in the long list of services we provide our members FREE OF CHARGE.
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On-Line Bill Pay and E-Statements are Here!!
Start enjoying the convenience and savings by enrolling on-line today. Just log onto Virtual Branch Home Banking and click on the Self Service tab. Select Bill Pay Enrollment from the Additional Services box to sign up for on-line bill pay and follow the easy instructions to sign up. Then select eStatements from under the Additional Services box to sign up to receive statements on-line.
On-Line Bill Pay
It's convenient, safe and free! Paying bills is a hasssle for most of us. With Bill Pay, a few clicks and your bills will be paid with no check-writing, no stamps and no trip to the post office. You can pay the telephone bill or send a check to Uncle Joe in Arizona. The only setup required is the name, address, telephone number of the person or company you are paying and your account number with them. Then you are ready to pay!
Other great features include...
- Saves time paying bills, saves money on stamps, and saves time AND money getting to the post office to mail the bills.
- Payments scheduled for payment at least 5 business days before the due date are eiligible for a $50.00 late fee reimbursement guarantee (see Bill Pay terms and conditions for details).
- Schedule regular equal payments and they will be made automatically. You control the payment frequency, amount and number of payments. Great for loan payments.
- Payment calendar provides a quick summary of payments already made and scheduled to be made.
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Statement Express
Sign up today for eStatements through Statement Express to get your statements FAST! Statment Express will even notify you by e-mail when your statement is ready to view. If that isn't enough, Statement Express will store your statements on-line for a year, so you don't have to.
Statement Express also let's you do your part to help the environment by viewing and not printing statements. It may be a small thing, but we all need to do our part to preserve the planet on which we live.
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Surchange-Free ATM Network 
R-S Bellco members may now use any PNC ATM without incurring a costly surcharge. PNC has ATM’s at over 6,000 locations in branches and other locations, including area Co-Go’s and 7-11’s. To find locations near you, click here to open the PNC website. Click on LOCATE PNC at the top of the page to open the ATM locator link. Just enter your address and make sure only the ATM box is checked, then click SEARCH and your surcharge-free ATM options will appear.
A search within 10 miles of the R-S Bellco office showed 18 surcharge-free PNC ATM’s. We are sure you will find multiple convenient locations as well.
Just another FREE service from R-S Bellco!!
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R-S Bellco Members Care
R-S Bellco Members Care Scholarship Fund
SCHOLARSHIP AWARDS!!!
We were thrilled to make the first $500 awards from the R-S Bellco Memebers Care Scholarship Fund to Brendan Lindsey, Lauren Peacock, Alexa DeMarco and Zach Bolland.
A very special thank you goes out to our member-volunteers that evaluated the applications. Deb Baycura, Don Mittner and Bryan Fabyanic did a great job! Let them know how much we apprecaite their efforts.
We are all very excited to help these young men and women move on to this next phase of their lives. They represent the future of the credit union and we couldn’t be more proud!
 Of course, none of this would be possible without our members who faithfully support these efforts by buying candy bars and supporting other fundraisers throughout the year! Return to Top
NB Education Foundation
The New Brighton Area School District established the NB Education Foundation to continue providing funding to teachers and students for exceptional work and projects. R-S Bellco is proud to support its local community through the NB Education Foundation and wants to give our members the opportunity to support it too.
The credit union is getting things started by contributing $100.00. We are accepting donations in the credit union office or you can call and with your authorization, we will transfer funds from your account to the cause! Join us in helping our local community and showing how much R-S Bellco Members Care.
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Thanksgiving Food Bank Drive
The Thanksgiving Food Bank Drive was a big success!! You donated several boxes of non-perishables and gave $230.00 that went to the Salvation Army to help those less fortunate during this holiday season. Each donation received a chance to win the Lottery Ticket Tree Basket! Dennis Wimer was the lucky winner.
Halloween Coloring Contest
Congratualtions to Kayla Smail on winning the drawing for the Kid's Coloring Contest Basket. The basket was filled with a DVD, coloring books, markers, candy and a $25.00 gift card to Toys R Us.
Way to go Kayla!!
GM & Chrysler are offering SPECIAL DISCOUNTS EXCLUSIVELY to R-S BELLCO FCU members!
If you are thinking about a new GM or Chrysler, remember to let the dealer know you are a proud credit union member to get special discounts.
HURRY, OFFER IS FOR A LIMITED TIME ONLY!
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Discount Park Tickets
The parks are open and we have discount tickets. Call or come in.
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Your Price
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You Save
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| KENNYWOOD |
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| Funday Pass |
$28.00 |
$8.99 |
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| SANDCASTLE |
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| Good Any Day |
$22.00 |
$8.99 |
| IDLEWILD & SOAK ZONE |
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| Good Any Day Funday |
$26.00 |
$6.99 |
| Weekday Funday Pass* |
$24.00 |
$8.99 |
| * Saturday/Sunday Surcharge of $8.00 added to weekday funpass at gate. |
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| PITTSBURGH ZOO & PPG AQUARIUM |
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| Good Any Day Ticket |
$9.00 |
$5.00 |
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| GEAUGA LAKE WILDWATER KINGDOM |
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| Good Any Day (48" or taller) |
$21.99 |
$8.00 |
| Junior Ticket (Age 3+ & under 48") |
$14.99 |
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| Senior Ticket (Age 62+) |
$14.99 |
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| CEDAR POINT |
|
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| Good Any Day (Age 3+ & 48" or taller) |
$37.00 |
$9.99 |
| Ride & Slide - 2 Day Tickets ** |
$69.99 |
$7.00 |
| ** Age 3+ & 48" or taller - Admits one to both Cedar Point and Soak City for any 2 days |
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| Junior Ticket (Age 3+ & under 48") |
$18.00 |
$3.00 |
| Senior Ticket (Age 62+) |
$18.00 |
$3.00 |
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| Soak City |
$24.99 |
$7.00 |
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CHILDREN AGE 2 AND UNDER ARE ADMITTED FREE TO ALL PARKS
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