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Belco Community Credit Union

Overview
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Belco Community Credit Union is a federally insured state credit union based in Harrisburg, Pennsylvania. It has been opened since 1939, for 81 years.

With around $613,630,000 in assets, Belco Community Credit Union is considered to be a very large credit union. It has 14 branches and 13 ATM locations.

About
Address 449 Eisenhower Boulevard
Harrisburg, Pennsylvania 17111
Website http://www.belco.org
Phone (717) 232-3526
CEO Amey R. Sgrignoli
President of the Board Stephanie Miller
Services Offered
Map
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Score Card
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81 years
Years in business
Opened in 1939
Well Capitalized
Net worth classification
Source: NCUA
65,772 members
Membership type: State chartered natural person credit union
Above average number of members
374:1
Credit union member to staff ratio
374 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$613,628,375
Total assets
Above average
14 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
11.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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14 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
Belco Community Credit Union Branch Locations

Belco Community Credit Union: Carlisle Pike - Mechanicsburg
5304 Carlisle Pike
Mechanicsburg, Pennsylvania 17050
ATM Available
Belco Community Credit Union: Operations Center
449 Eisenhower Boulevard
Harrisburg, Pennsylvania 17111
No ATM
Belco Community Credit Union: Paxton Street
4015 Paxton Street
Harrisburg, Pennsylvania 17111
ATM Available
Belco Community Credit Union: Allentown Boulevard
5785 Allentown Boulevard
Harrisburg, Pennsylvania 17112
ATM Available
Belco Community Credit Union: South Duke Street
452 S. Duke Street
Lancaster, Pennsylvania 17602
ATM Available
Belco Community Credit Union: Pinnacle
205 S. Front Street
Brady Hall, Harrisburg Hospital
Harrisburg, Pennsylvania 17104
ATM Available
Belco Community Credit Union: Hanover
221 Wilson Avenue
Hanover, Pennsylvania 17331
ATM Available
Belco Community Credit Union: Regency Square
201 Good Drive
Lancaster, Pennsylvania 17603
ATM Available
Belco Community Credit Union: Eastgate
5 Eastgate Drive
Carlisle, Pennsylvania 17015
ATM Available
Belco Community Credit Union: Big Spring
5 Carlisle Road
Newville, Pennsylvania 17241
ATM Available
Belco Community Credit Union: Lebanon
1232 S. 5th Avenue
Lebanon, Pennsylvania 17042
No ATM
Belco Community Credit Union: Oregon Pike
1758 Oregon Pike
Lancaster, Pennsylvania 17601
ATM Available
Belco Community Credit Union: Gettysburg
1063 York Road
Gettysburg, Pennsylvania 17325
ATM Available
Belco Community Credit Union: Camp Hill
3500 Trindle Road
Camp Hill, Pennsylvania 17011
ATM Available
Belco Community Credit Union: North Hanover Street
320 North Hanover Street
Carlisle, Pennsylvania 17013
ATM Available
Members
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65,772 members
Membership type: State chartered natural person credit union
Above average number of members

With 65,772 members, the Belco Community Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 93% of credit unions.

Fees
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$86
Average fee per member
The average fee per member at the Belco Community Credit Union is $86, which is high compared to most credit unions. This rate is higher than 78% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Belco Community Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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374:1
Credit union member to staff ratio
374 per each FTE employee
Compared to 411:1 nationally
Average number of staff
176 staff members
FTE (full-time equivalent)
10% of employees are part-time
167 full-time, 18 part-time

Belco Community Credit Union has 167 full-time staff members and 18 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 90% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Belco Community Credit Union has around 374 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$613,628,375
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$8,935
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 61% of credit unions.

Belco Community Credit Union holds a total of $451,250,000 in loans and leases, which is about $8,935 per member on average.

Savings interest rate
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Belco Community Credit Union pays 0.15%.

Loan rates
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11.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.74%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.15%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.24%
New car loan rate
Compared to 4.0% nationally
3.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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3.99%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally