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Beacon Bank and Trust

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Beacon Bank and Trust Rates & Review August 2026

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

Beacon Bank and Trust currently maintains approximately 150 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: August 30, 2026

Beacon Bank and Trust rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Beacon Bank and Trust, and you can see how they compare in the Beacon Bank and Trust rate tables below. 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 6.69%. Database rates last updated and verified on 08/30/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.69%

Excellent Higher than avg

Beacon Bank and Trust

2 Harvard St
Brookline, MA 02445

https://www.beaconbank.com

Current Rate Availability

We're not currently displaying rates for Beacon Bank and Trust, but our database is updated constantly — check back soon for the latest offers.

Are you with Beacon Bank and Trust? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

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 2 Harvard St, Brookline, MA 02445 · Norfolk

Website https://www.beaconbank.com

FDIC Certificate # 17798

Established 01/01/1871

FDIC Insurance Date 09/03/1957

Domestic Offices 150

Total Branches 150

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.69%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9360%

Return on Equity (ROE) 9.9800%

Non-Performing Loans (NPL) 0.17%

Total Assets $23,181,570,000

Total Deposits $19,711,150,000

Equity Capital $2,508,972,000

Net Income $102,410,000

Headquarters Brookline

Total Branches and Offices 150

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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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 150 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.