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Member Loyalty Rewards
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.
So if you have your qualifying share draft (checking) account at R-S Bellco, we came up with some unbeatable rewards to show our appreciation for your faith in us.
Check out these fantastic rewards!!
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Fixed Rate Home Equity Loan - 10 Years As Low As 2.99%!
 WOW!! A fixed-rate home equity loan as low as 2.99% for up to 10 years. You can borrow up to 80% of the appraised value of your home. We just require that there be no mortgage in front of our loan. If you already have a mortgage, no problem, we may be able to save you even more money by including that in your R-S Bellco Member Loyalty Reward loan.
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Pay NO Loan Costs - Could Save You Over $200!
Getting a loan always involves coming up with money to reimburse the lender for costs like getting your credit report, recording fees, etc. These costs can add up to more than $200 in some cases. NOT FOR OUR LOYAL MEMBERS!! Now R-S Bellco will absorb those costs for our MLR-qualifying members on new loans. Requires new loan proceeds of $20,000 or more and reimbursement of valuation costs.
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Get an Extra 1/4% Off Our Already Low Rates on Cars, Trucks, Motorcycles, Boats and RV's!
 R-S Bellco already has some of the lowest rates around on cars, trucks, motorcycles, boats and RV's. Well, for our loyal members, those rates just got lower! (Take the additional 1/4% off our new and late-model used car loan and the rate goes to as low as 1.24%!). It doesn't matter what term or model year you choose, as a loyal member you save with us. You can almost smell the savings.
Use your reward to refinance your mortgage or cars. Maybe you just need to consolidate bills, buy a new car or make improvements around the house. Whatever the reason, act now and enjoy the rewards for you loyalty.
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HOW DO I QUALIFY FOR MEMBER LOYALTY REWARDS???
 It's Simple, just...
1. Open an R-S Bellco Share Draft (Checking) Account.
2. Arrange for your pay(s) to be direct deposited to your checking account.
3. Get an R-S Bellco VISA debit card to access funds from your checking account at point of sale and ATM locations around the world.
4. Sign up for Home Banking to get access to your accounts on-line and gain access to even more convenient services like on-line bill pay and E-statements.
5. Start enjoying Member Loyalty Rewards.
IF YOU ARE WITH US, WE ARE WITH YOU!!!
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 NEW lines of $20,000 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, 2012. 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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New and Used Car Rates Now As Low As
1.24% * 1.24% * 1.24% * 1.24% * 1.24%
With Member Loyalty Rewards
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 2.24% for up to 60 months or 2.74% for up to 72 months with Member Loyalty Rewards!
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Home Equity Loan Rates As Low As
2.99% * 2.99% * 2.99% * 2.99% * 2.99%
You can get a fixed-rate home equity loan at the CRAZY-LOW rate of just 2.99% 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).
Don't qualify for our Member Loyalty Reward Home Equity Special? How about a 10 year rate as low as 3.99%. Click here to see even more rates!
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Board 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 is here! 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 $30.00 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 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.
| Conventional Fixed Rate Loans |
Rate(a)
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APR
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Points
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| 20 Year Mortgage |
4.500%
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4.580%
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NONE
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30 Year Mortgage
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4.625%
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4.683%
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NONE
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| Adjustable Rate Loans |
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| 5 Year Adjustable Rate |
3.250%
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3.058%
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NONE
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7 Year Adjustable Rate
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3.750%
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3.558%
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NONE
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Motorcycles, RVs, Boats, Jet Skis & ATVs Too!!
 Our rates start as low as 3.49% with MEMBER LOYALTY REWARDS 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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Sallie Mae Smart Option Student Loan
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
The R-S Bellco Smart Option Student Loan by Sallie Mae is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.
To learn more or to apply, please click on the Get Started button.
The Smart Option Student Loan features and benefits include:
- We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility.
- No origination fees and no prepayment penalty.
- Borrow up to 100% of school-certified education costs (minimum of $1,000).
- Multiple in-school repayment options are available.
- Borrower benefits available - like rewards and interest rate reductions.
- Rates that reward creditworthy borrowers.
- Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate.
- Get a quick credit result by applying online. It's quick, easy, and only takes about 15 minutes to apply.
- 24/7 online account management.
To learn more or to apply, click here.
We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.
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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 around the R-S Bellco office showed 8 surcharge-free PNC ATM’s within 5 miles and 13 within 10 miles. 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
SCHOLARSHIPS AWARDED!!!
Congratulations to the five (5) R-S Bellco Members Care Scholarship Award recipients for 2013.
Haley Bolland
Kelsey Calve
Bridget Lindsey
Leah Shallenberger
Julian Whalen
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Beaver Chapter of Credit Unions Scholarship
The Beaver Chapter of Credit Unions is once again offering five (5) $500.00 scholarships to qualified students pursuing two or four year degrees or a full-time job preparatory program at accredited schools. Applications, instructions and this year's essay question are available at the credit union office. Submissions must be made by March 10, 2014 and awards will be made by April 15, 2014. PICK UP YOUR ENTRY MATERIALS TODAY!!!
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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 |
$31.00 |
$8.99 |
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| SANDCASTLE |
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| Good Any Day |
$23.00 |
$8.99 |
| IDLEWILD & SOAK ZONE |
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| Good Any Day Funday |
$29.00 |
$5.99 |
| Weekday Funday Pass* |
$27.00 |
$7.99 |
| * 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) |
$23.99 |
$8.00 |
| Junior Ticket (Age 3+ & under 48") |
$15.99 |
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| Senior Ticket (Age 62+) |
$15.99 |
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| CEDAR POINT |
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| Good Any Day (Age 3+ & 48" or taller) |
$42.00 |
$12.99 |
| Ride & Slide - 2 Day Tickets ** |
$77.99 |
$5.00 |
| ** Age 3+ & 48" or taller - Admits one to both Cedar Point and Soak City for any 2 days |
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| Good Any Day & Refresh (unlimited Coke |
$46.99 |
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| drinks) NOT AVAILABLE AT THE GATE |
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| Junior Ticket (Age 3+ & under 48") |
$24.00 |
$5.99 |
| Senior Ticket (Age 62+) |
$24.00 |
$5.99 |
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| WALDAMEER & WATER WORLD |
$23.50 |
$5.00 |
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CHILDREN AGE 2 AND UNDER ARE ADMITTED FREE TO ALL PARKS
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Lost/Stolen Credit or Debit Card
Please call the appropriate number below to report a lost or stolen credit or debit card outside of normal credit union hours. Your quick action will limit loss and hassle from unauthorized use.
VISA CREDIT CARD - CALL 1-800-433-0505
VISA DEBIT CARD - CALL 1-800-472-3272
Phishing Alert
A scam was operating in our area. Members have received telephone calls on cell or land lines with an automated voice saying your debit or credit card has been deactivated and to call a number. There they ask for sensitive card and personal information.
This is an attempt to steal your information!
R-S BELLCO will NEVER call to ask for debit or credit card information. If you do get a call, do not give any information like your name, social security number, or any information from your debit or credit cards or accounts with us.
IF YOU THINK YOU MAY HAVE GIVEN OUT INFORMATION...
HANG UP AND CALL THE CREDIT UNION
IF IT IS AFTER HOURS CALL THE APPROPRIATE NUMBER LISTED ABOVE
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Target Data Breach
As you may know, Target stores experienced a data breach that exposed debit and credit card information. R-S Bellco is in process of contacting affected members and arranging for replacement cards to be issued. There are several things you should know and can do.
1. Monitor your debit or credit card activity. If there is unexplained activity, please call our office immediately at 724-843-3330.
2. You are not liable for fraudulent transactions on your account, but your credit union may be liable.
3. Visit the Target website. They may offer additional advice or service if your account was among those exposed during the data breach.
We appreciate your understanding and apologize for any inconvenience.
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Your R-S Bellco accounts just got mobile! Sign up today and securely take your R-S Bellco accounts with you using one of three great options. Check your balance, review transactions, transfer money between accounts or pay bills. Mobile banking gives you three ways to get your accounts mobile.
