Qualified members are eligible to take advantage of our great loan rates and apply for a loan at anytime. Whether you've been a member for 10 years or 10 minutes, you can apply today and save money.

If you are not yet a member, but would like to save money with one of our low-interest loans, click here to find out about membership.

Bell offers a wide-range of consumer loans including new and used automobiles, recreational vehicles, personal loans, credit cards, as well as certificate and share-secured loans. We also offer real estate loans including home equity and home improvement loans.

AUTO LOANS
It doesn't matter if you are looking for a new or used car, truck or van, Bell Federal Credit Union has a lending package that will fit your needs. The process is easy, the rates are great and the convenience is unmatched. Your loan payment can be automatically taken from your paycheck and paid electronically with payroll deduction. No worries about missing a payment, and no hassle with writing checks and finding stamps. Click here to view current Auto Loan rates.

Our qualified members have options for borrowing:

NEW/USED AUTOS

• Up to 100% financing for qualified members.
• No application or processing fees.
• Pre-approvals for negotiating power (know what you can spend before you shop).
• Low cost payment protection plans (credit life and disability insurance), Gap coverage and warranty insurance.

RECREATIONAL VEHICLES AND POWER SPORTS
We also offer loans for various other vehicles including boats, water sport vehicles, motorcycles, campers and RV's. If you are looking for great financing to fund your recreation, give us a call at (605) 338-2533

FIXED RATE HOME EQUITY LOANS
Tap into your home's equity for the smartest source of funds. Your house is a valuable asset. So put it to work for you. Whether you're planning a new addition or want to make improvements, borrowing against the equity in your home can provide you with the funds you need. Or, maybe you need access to money to help you consolidate your bills or pay a child's college tuition. If eligible you can borrow up to 100% of the current appraised value or tax assessment of your home, less the balance on your first mortgage. You may even benefit from potential tax savings when borrowing with a home equity loan*. Our home equity loan provides the stability you may be looking for. You decide the specific amount you need to borrow. Your rate and payment is locked in for the life of the loan (repayment terms of up to 30 year amortization).

*Consult your tax advisor or attorney for tax consequences.

READY RESERVE
Ready Reserve is our revolving Line-of-Credit loan/Overdraft Protection. You never have to worry about bouncing a check again! You can also obtain advances through Bell FCU e*teller and Touch-tone Teller. Credit limits up to $2000.00. Be prepared for the unexpected, apply today!

SIGNATURE LOANS
Qualifying members may apply for signature loans of up to $5,000. Signature loans require no collateral.

LOAN APPLICATION

If you choose to fax your Loan Application please omit your account number(s) and SS#