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59

Smart Rate Card

Bellwether Community Credit Union

RegionalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
12.99–23.24%
Annual fee
None
0% intro
1.99%
0% transfer
12 mo
Foreign fee
2%
Grace period
30 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
23.12%
620–719
18.12%
720+
13.12%
Lowest offered12.99%
Median14.99%
Highest offered23.24%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered1.99%
Median1.99%
Highest offered1.99%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

No score
—
≤619
23.12%
620–719
18.12%
720+
13.12%
Lowest offered12.99%
Median—
Highest offered23.24%

Every fee on this card

Annual feeNone
Balance transfer fee4%
Cash advance feegreater of 4% or $10
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$27
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance charge$35
Balance computationAverage daily balance including new purchases
Additional fees
Returned payment fee$27

Late fee policy: 27 dollars or the amount of the minimum required payment, whichever is less. For item 2 it is 35 dollars or the amount of the minimum required payment, whichever is less

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityRegional
StatesNH
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation

Geographic: Live or work in NH or the MA counties of Middlesex and Essex

Affiliation: Employed and/or retired in the communication industry, employees of Bellwether, persons providing services to Bellwether, and families of such members

Phone866-996-9828
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$400

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 14.99% afterwards.

Cost to carry a balance
Interest for a year at 14.99%$449.70
Annual / periodic fees$0
Total yearly cost$449.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Bellwether Community Credit Union in the 2026 Q1 archive.

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