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BEA Credit Union

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BEA Credit Union Rates & Review March 2026

Q: How many branches does BEA Credit Union operate?

BEA Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join BEA Credit Union?

Yes, to access services at BEA Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, BEA Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BEA Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare BEA Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.35%, 6-month share certificate rates at 1.25% and 3-month share certificate rates at 0.05%. Savings rates are at 0.10% and money market rates are at 0.80%. Mortgage rates on 30-year fixed loans are around 6.11%. All these rates can be compared to BEA Credit Union rates. MonitorBankRates evaluates the financial stability of BEA Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.90%. Rates were last updated on 03/29/2026.

BEA Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BEA Credit Union? Share your experience about BEA Credit Union by leaving a review below, or read customer reviews before you decide to use BEA Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.90%

Excellent Higher than avg

BEA Credit Union
BEA Credit Union

101 School St
Bethalto, IL 62010

Current Rate Availability

We do not have BEA Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for BEA Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather BEA Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BEA Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BEA Credit Union

Website

Address 101 School St, Bethalto, IL 62010

Phone 618-377-3948

Fax 618-377-2702

President Stephen Lowrance

CEO Joseph Schoppet

Full-Time Employees 0

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.90%

Return on Assets (ROA)

0.9893%

Return on Equity (ROE)

3.6119%

Non-Performing Loans Ratio (NPL)

2.82%

Total Assets

2,344,043

Total Amount of Shares and Deposits

1,631,678

Total Shares and Deposits < 1 Year

1,631,678

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,631,678

Total Interest Expense (Sum of items 6 8)

13,007

Number of Accounts for Regular Shares

436

Net Income (unless the amount is already included in Undivided Earnings)

23,189

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

271,503

Total Liabilities

1,702,025

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About BEA Credit Union

Is BEA Credit Union a safe place to deposit money?

Yes, BEA Credit Union is considered a safe financial institution. With a Texas Ratio of 7.9018782992313%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does BEA Credit Union operate?

BEA Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join BEA Credit Union?

Yes, to access services at BEA Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, BEA Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BEA Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does BEA Credit Union offer online and mobile banking?

Most modern institutions like BEA Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.