What are the current interest rates at Beacon Bank and Trust?

Current rates for Beacon Bank and Trust include: 24-Month CD: 3.30%, Savings: 3.20%, MMA: 3.20%

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Beacon Bank and Trust

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Beacon Bank and Trust Rates & Review October 2026

Q: How many branches does Beacon Bank and Trust operate?

Beacon Bank and Trust currently maintains approximately 151 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Beacon Bank and Trust 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, Beacon Bank and Trust 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 and Verified: October 7, 2026

Beacon Bank and Trust's top rates as of October 7, 2026 are 3.30% APY on its 24-Month Certificate of Deposit (CD), 3.20% APY on savings, 3.20% APY on money market accounts, and 0.10% APY on checking, according to rates verified by MonitorBankRates. Other Beacon Bank and Trust CD rates include 6-Month Certificate of Deposit (CD) at 3.30%, Beacon One 24-Month CD at 3.30%, and Beacon One 6-Month CD at 3.30%. MonitorBankRates evaluates the financial stability of Beacon Bank and Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.36%. Rates last updated and verified on 10/07/2026.

Beacon Bank and Trust 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 Beacon Bank and Trust? Share your experience about Beacon Bank and Trust by leaving a review below, or read customer reviews before you decide to use Beacon Bank and Trust.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.36%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Beacon Bank and Trust

131 Clarendon St
Boston, MA 02116

https://www.beaconbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Beacon Bank and Trust CD Rates

Product	Rate	APY	Term
24-Month Certificate of Deposit (CD)	-	3.30%	24-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
6-Month Certificate of Deposit (CD)	-	3.30%	6-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Beacon One 24 Month CD	-	3.30%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Must be an OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Beacon One 6 Month CD	-	3.30%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Must be an OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

Beacon Bank and Trust Savings Rates

Product	Rate	APY
Beacon One Savings	-	3.20%
Min Deposit $250 Min Balance $10 Details Requires a Beacon Bank checking account with an OWNERSHIP relationship. Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Savings Account	-	3.20%
Min Deposit $250 Min Balance $10 Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

Beacon Bank and Trust Money Market Rates

Product	Rate	APY
Beacon One Money Market	3.15%	3.20%
Min Deposit $1,000 Min Balance $10 Details Requires a Beacon Bank checking account with an ownership relationship. Balance cannot exceed $5,000,000. Interest rate paid on the entire balance. Last Updated 10/07/2026 Rate History 1 change since Sep 28, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05% Oct 2, 20263.20%▲ from 3.05% Sep 28, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Beacon One Money Market	3.154%	3.20%
Min Deposit $1,000 Min Balance $25,000 Details This account will receive a variable premium interest rate and Annual Percentage Yield (APY). The variable premium interest rate and APY subject to change without notice. Fees may reduce earnings. No maintenance service charge fees will be charged on Beacon One Money Market accounts regardless of the balance maintained. The balance of the Beacon One Money Market account cannot exceed $5,000,000. Interest rates are variable and subject to change at any time. The Beacon One Checking, Savings, Money Market, and CD rates are current as of 9/18/2026 . Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Beacon One Money Market	3.01%	3.05%
Min Deposit $1,000 Min Balance $10 Details Requires a Beacon Bank checking account with an ownership relationship. Balance cannot exceed $5,000,000. Interest rate paid on the entire balance. Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

Beacon Bank and Trust Checking Rates

Product	Rate	APY	View More
Beacon One Checking	-	0.10%
Min Deposit $10 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; $1,000 or more per month for 3 consecutive months direct deposit; pay for streaming services with account; Fees may reduce earnings. Account must be enrolled in Paperless Statements and Notices. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Beacon Bank and Trust’s Texas Ratio fell from 6.68% in Q3 2023 to 5.36% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$22.2B	5.36%	5.0	A+
March 31, 2026	$22.2B	5.30%	5.0	A+
December 31, 2025	$23.2B	6.03%	5.0	A
September 30, 2025	$22.8B	4.54%	5.0	A+
June 30, 2025	$6.2B	11.41%	5.0	A
March 31, 2025	$6.2B	9.29%	5.0	A
December 31, 2024	$6.4B	7.71%	5.0	A
September 30, 2024	$6.3B	10.57%	5.0	A
June 30, 2024	$6.4B	7.70%	5.0	A
March 31, 2024	$6.3B	5.74%	5.0	A+
December 31, 2023	$6.2B	5.96%	5.0	A+
September 30, 2023	$6.1B	6.68%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Beacon Bank and Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Beacon Bank and Trust 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 Beacon Bank and Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Beacon Bank and Trust

Bank Holding Company BEACON FINANCIAL CORP

Address 131 Clarendon St, Boston, MA 02116 · Suffolk

Website https://www.beaconbank.com

FDIC Certificate # 17798

Established 18710101

FDIC Insurance Date 19570903

Domestic Offices 151

Total Branches 151

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.36%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0525%

Return on Equity (ROE) 9.4100%

Non-Performing Loans (NPL) 0.72%

Total Assets $22,201,546,000

Total Deposits $18,647,669,000

Equity Capital $2,539,656,000

Net Income $118,522,000

Headquarters Boston

Total Branches and Offices 151

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Beacon Bank and Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/beacon-bank-and-trust-bank-rates-review-17798">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Beacon Bank and Trust

How many branches does Beacon Bank and Trust operate?

Beacon Bank and Trust currently maintains approximately 151 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Beacon Bank and Trust 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, Beacon Bank and Trust provides members with tools to manage their accounts and build a solid financial history.

Does Beacon Bank and Trust offer online and mobile banking?

Most modern institutions like Beacon Bank and Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.beaconbank.com.