Best Credit Union for Home Loans in Berks County, PA

Have you found yourself browsing Zillow with a closer eye than usual as of late?

If you’re ready to buy a starter home, your forever home, or even an income property, the best credit union for home loans in Berks County, PA, is Bellco FCU.

We Are Bellco FCU

When you join Bellco Federal Credit Union, you will join us as members/owners. As a cooperative institution of members, we have helped improve the lives of the citizens and small business owners of Berks County since 1938.

Our mission is to pass on savings, beyond competitive rates, low and no fee products, and all the conveniences of modern banking to our members. We answer to them, not shareholders.

Allow Bellco FCU to be there for you through all stages of life - from your first car to your retirement account - and even your home lending needs.

A Diversity of Mortgage Packages

When you’re ready to buy property, we’re there for you with an appropriate mortgage product to match.

The 30-year mortgage has long been the traditional option for home purchasing. The payment will be lower since the repayment term is decades long, and this package is ideal for those who’ve found the home in which they want to grow old. This loan has a fixed payment with pre-calculated and certain principal and interest.

Another fixed-rate mortgage product is the 15-year term mortgage. If you can afford to pay a larger monthly payment, this package will save you a significant sum of cash in the long run.

The adjustable-rate mortgage has earned itself a negative reputation in the past, but it’s not a bad product on its own. Home buyers should go into the loan understanding that the mortgage payment will change over time, adjusting to any change in the prime rate. Many homeowners find themselves in trouble when they rush to choose this option, saving money initially and then having trouble refinancing down the line.

Additional mortgage products that we offer at Bellco FCU include:

  • USDA Rural Housing Loans

  • VA Home Loans

  • FHA Loans

  • First-time Home Buyer Specials

  • Construction Loans

Qualify to Finance Your Home through Bellco Federal Credit Union

Joining us is a breeze. Deposit $5 into a Member Savings account to establish your membership/ownership quickly. With this deposit, you buy into the credit union and are empowered with a voice in its operations.

To be eligible to fund this ownership, you should have a relationship with the community. Perhaps you have an immediate family member who is already a Bellco FCU member. If so, you can join no questions asked. Otherwise, you must work, live, worship, or go to school in Berks County.

Membership doesn’t expire. You may move across the country, graduate from school, divorce your qualifying spouse. Any life change will not affect your membership or your ability to extend membership to your relatives.

Even from across the world, you can access your Bellco FCU accounts. We offer all of the modern banking conveniences you’d expect from a banking institution.

Home loans with less stress come from the best credit union in Berks County, PA, Bellco Federal Credit Union. If you’d like to explore the various mortgage products we supply, stop in at one of our locations, browse our website, or give us a call at (610) 373-5192.