What are the current interest rates at Beacon Credit Union Incorporated?

Current rates for Beacon Credit Union Incorporated include: 12-Month CD: 1.65%, 24-Month CD: 3.40%, 60-Month CD: 3.31%, Savings: 0.10%, MMA: 4.00%

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Beacon Credit Union Incorporated

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Beacon Credit Union Incorporated Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Beacon Credit Union Incorporated 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 9, 2026

Beacon Credit Union Incorporated's top rates as of October 9, 2026 are 4.35% APY on its Limited Time Special - 6 month CD, 0.10% APY on savings, 4.00% APY on money market accounts, 7.07% APY on checking, 4.99% on its Adjustable Rate Mortgages - 5/1 ARM - 30 Year Fixed Purchase, personal loans from 18.25% APR, and credit cards from 8.00% APR, according to rates verified by MonitorBankRates. Other Beacon Credit Union Incorporated CD rates include 12 Month CD at 3.92%, 24 Month CD at 3.40%, and 36 Month CD at 3.31%. Other Beacon Credit Union Incorporated mortgage rates include Adjustable Rate Mortgages - 5/1 ARM - 30 Year Fixed Refinance at 6.51%, Adjustable Rate Mortgages - 7/1 ARM - 30 Year Fixed Purchase at 5.88%, and Adjustable Rate Mortgages - 7/1 ARM - 30 Year Fixed Refinance at 5.88%. MonitorBankRates evaluates the financial stability of Beacon Credit Union Incorporated with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.80%. Rates last updated and verified on 10/09/2026.

Beacon Credit Union Incorporated 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 Credit Union Incorporated? Share your experience about Beacon Credit Union Incorporated by leaving a review below, or read customer reviews before you decide to use Beacon Credit Union Incorporated.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.80%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Beacon Credit Union Incorporated
Corporate Office

107 Leroy Bowen Dr
Lynchburg, VA 24502

https://www.mybcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Beacon Credit Union Incorporated CD Rates

Product	Rate	APY	Term
Limited Time Special - 6 month	4.27%	4.35%	6 Months
Min Deposit $2,500 Min Balance $2,500 Details Beacon's promotional certificate rate is only valid on new money only. For 6 months promotional share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25% Oct 1, 20264.35%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12 Month Certificate	3.85%	3.92%	12 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty is 90 days of dividend whether earned or not. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.92% ▲ 0.92 pts · high 3.92% / low 3.00% Sep 22, 20263.92%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
24 Month Certificate	3.35%	3.40%	24 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty is 180 days of dividend whether earned or not. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 3.40% ▲ 1.15 pts · high 3.40% / low 2.25% Sep 22, 20263.40%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
36 Month Certificate	3.26%	3.31%	36 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty is 270 days of dividend whether earned or not. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 3.31% ▲ 1.31 pts · high 3.31% / low 2.00% Sep 22, 20263.31%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
48 Month Certificate	3.26%	3.31%	48 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty is 365 days of dividend whether earned or not. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 3.31% ▲ 2.06 pts · high 3.31% / low 1.25% Sep 22, 20263.31%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
60 Month Certificate	3.26%	3.31%	60 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty is 365 days of dividend whether earned or not. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 3.31% ▲ 2.06 pts · high 3.31% / low 1.25% Sep 22, 20263.31%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12 Month Bump	1.64%	1.65%	12 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty is 90 days of dividend whether earned or not. One early withdrawal penalty is free. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Business CD Rates

Product	Rate	APY	Term
6 Month Business Certificates	0.10%	0.10%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
3 Month Business Certificates	0.05%	0.05%	3 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Savings Rates

Product	Rate	APY
Kirby Club	0.65%	0.65%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 to $5,000; Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Tiered Savings	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 to $4,999.99; Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Business Savings Rates

Product	Rate	APY	View More
Regular Share (Business Savings)	0.05%	0.05%
Min Deposit $25 Min Balance $500 Details Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Money Market Rates

Product	Rate	APY
Premier Money Market	3.93%	4.00%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.00 & Greater; Limited Time Offer; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	3.44%	3.50%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Limited Time Offer; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	2.96%	3.00%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Limited Time Offer; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	2.48%	2.50%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Limited Time Offer; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Horizon Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - $1,999.99; Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99; Limited Time Offer; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $2,499.99; Limited Time Offer; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Business Money Market Rates

Product	Rate	APY
Business Premier Money Market	3.93%	4.00%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.00 & Greater; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Business Premier Money Market	3.44%	3.50%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Business Premier Money Market	2.96%	3.00%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Business Premier Money Market	2.48%	2.50%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Business Premier Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Business Money Market	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $2,499.99; Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Business Premier Money Market	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $2,499.99; Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Checking Rates

Product	Rate	APY
Choice Plus Checking	7.07%	7.07%
Min Deposit $25 Min Balance $5,000 Details Published APY range: 7.07-0.12%. Qualifications Required: Additional qualification must be met to earn Tier 2 dividend; Balance: $5,000.01 & Greater; Tier 2 dividend; Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Choice Plus Checking	4.94%	5.05%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Additional qualification must be met to earn Tier 1 dividend; Balance: $0.01 to $2,500; Tier 1 dividend; Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Preferred Checking	0.05%	0.05%
Min Deposit $25 Min Balance $200 Details Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Business Checking Rates

Product	Rate	APY	View More
Business Interest Plus Checking	3.97%	4.04%
Min Deposit $500 Min Balance $0 Details Balance: $0.01 to $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgages - 5/1 ARM - 30 Year Fixed Purchase	4.99%	1.000%	6.515%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.52% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 5/1 ARM - 30 Year Fixed Refinance	-	1.000%	6.515%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.52% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 7/1 ARM - 30 Year Fixed Purchase	5.875%	0.750%	6.696%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 7/1 ARM - 30 Year Fixed Refinance	5.875%	0.750%	6.696%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
15 Year Fixed Purchase	6.50%	0.750%	6.763%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.51% → 6.76% ▲ 0.25 pts · high 6.76% / low 6.51% Sep 22, 20266.76%▲ from 6.51% Sep 14, 20266.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
15 Year Fixed Refinance	6.50%	0.750%	6.763%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.51% → 6.76% ▲ 0.25 pts · high 6.76% / low 6.51% Sep 22, 20266.76%▲ from 6.51% Sep 14, 20266.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 3/1 ARM - 30 Year Fixed Purchase	5.875%	0.750%	7.035%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 3/1 ARM - 30 Year Fixed Refinance	5.875%	0.750%	7.035%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
30 Year Fixed Purchase	7.00%	0.750%	7.168%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.04% → 7.17% ▲ 0.13 pts · high 7.17% / low 7.04% Sep 22, 20267.17%▲ from 7.04% Sep 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
30 Year Fixed Refinance	7.00%	0.750%	7.168%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.04% → 7.17% ▲ 0.13 pts · high 7.17% / low 7.04% Sep 22, 20267.17%▲ from 7.04% Sep 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
15 Year Fixed Refinance (Cash Out)	7.00%	0.750%	7.271%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.02% → 7.27% ▲ 0.25 pts · high 7.27% / low 7.02% Sep 22, 20267.27%▲ from 7.02% Sep 14, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
30 Year Fixed Refinance (Cash Out)	7.25%	0.750%	7.422%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.17% → 7.42% ▲ 0.25 pts · high 7.42% / low 7.17% Sep 22, 20267.42%▲ from 7.17% Sep 14, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
20 Year Fixed Purchase	7.25%	0.750%	7.473%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.22% → 7.47% ▲ 0.25 pts · high 7.47% / low 7.22% Sep 22, 20267.47%▲ from 7.22% Sep 14, 20267.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
20 Year Fixed Refinance	7.25%	0.750%	7.473%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.22% → 7.47% ▲ 0.25 pts · high 7.47% / low 7.22% Sep 22, 20267.47%▲ from 7.22% Sep 14, 20267.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
20 Year Fixed Refinance (Cash Out)	7.375%	0.750%	7.599%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.47% → 7.60% ▲ 0.13 pts · high 7.60% / low 7.47% Sep 22, 20267.60%▲ from 7.47% Sep 14, 20267.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans (Max LTV = 80%)	-	-	6.20%	60-180 Months
Details APR* for this Home Equity Loan is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum loan amount of $40,000 required for term over 120 months. Loan to value not to exceed 80% of tax assessment or appraisal value minus first mortgage balance. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. No Annual Fees. Consult a tax advisor regarding the tax deductibility of interest. Maximum possible APR* is 24%. Minimum possible APR* is 3.25%. Property insurance is required which includes, as required, flood insurance. Other fees and restrictions may apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Loans (LTV = 80.01%-90%)	-	-	8.45%	60-180 Months
Details As Low As; APR* for this Home Equity Loan is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum loan amount of $40,000 required for term over 120 months. Loan to value not to exceed 90% and must be over 80.01% of tax assessment or appraisal value minus first mortgage balance. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. No Annual Fees. Consult a tax advisor regarding the tax deductibility of interest. Maximum possible APR* is 24%. Minimum possible APR* is 3.25%. Property insurance is required which includes, as required, flood insurance. Other fees and restrictions may apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans	-	-	8.70%	12-36 Months
Details minimum $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans	-	-	9.70%	37-60 Months
Details minimum $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans	-	-	10.70%	61-84 Months
Details minimum $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans	-	-	11.70%	85-119 Months
Details minimum $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans	-	-	11.70%	120-180 Months
Details minimum $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loans	-	-	7.25%	60 Months
Details Minimum loan amount $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.55% → 7.25% ▲ 0.70 pts · high 7.25% / low 6.55% Sep 26, 20267.25%▲ from 6.55% Sep 18, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New & Used Auto Loans	-	-	7.25%	66 Months
Details Minimum loan amount $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.55% → 7.25% ▲ 0.70 pts · high 7.25% / low 6.55% Sep 26, 20267.25%▲ from 6.55% Sep 18, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New & Used Auto Loans	-	-	7.69%	72 Months
Details Minimum loan amount $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.69% ▲ 0.44 pts · high 7.69% / low 7.25% Sep 26, 20267.69%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New & Used Auto Loans	-	-	7.99%	84 Months
Details Minimum loan amount $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 7.99% ▲ 0.24 pts · high 7.99% / low 7.75% Sep 26, 20267.99%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New & Used Auto Loans	-	-	9.75%	96 Months
Details Minimum loan amount $40,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.30% → 9.75% ▲ 0.45 pts · high 9.75% / low 9.30% Sep 26, 20269.75%▲ from 9.30% Sep 14, 20269.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats/ RV's/ Motorcycles Loan	-	11.75%	60 Months
Details As Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boats/ RV's/ Motorcycles Loan	-	12.25%	66 Months
Details As Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boats/ RV's/ Motorcycles Loan	-	12.75%	72 Months
Details As Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Credit Card Rates

Product	Rate	APR
Blue Visa Credit Card	-	8.00%
Details As Low As; Limits: $500 to $3,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Advantage Visa Credit Card	-	12.50%
Details As Low As; Limits: $5,000 to $20,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Rewards Visa Credit Card	-	15.25%
Details As Low As; Limits: $5,000 to $20,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 15.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Personal Loan Rates

Product	APR	Term
Personal Loan	18.25%	42 Months
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 17.75% → 18.25% ▲ 0.50 pts · high 18.25% / low 17.75% Sep 26, 202618.25%▲ from 17.75% Sep 18, 202617.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan	18.50%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 18.00% → 18.50% ▲ 0.50 pts · high 18.50% / low 18.00% Sep 26, 202618.50%▲ from 18.00% Sep 18, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan	19.00%	24 Months
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 18.50% → 19.00% ▲ 0.50 pts · high 19.00% / low 18.50% Sep 26, 202619.00%▲ from 18.50% Sep 18, 202618.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Other Rates

Product	Rate	Points	APY/APR	Term
Security Loans	-	-	9.40%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Security Loans	-	-	10.40%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Security Loans	-	-	12.40%	66 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Security Loans	-	-	13.40%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Regular Share	0.10%	-	0.10%
Min Deposit $5 Min Balance $200 Details Dividends Compounded: Monthly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

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.
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Financial Health History

Beacon Credit Union Incorporated’s Texas Ratio fell from 3.06% in Q3 2023 to 1.80% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$392M	1.80%	5.0	A+
March 31, 2026	$378M	1.29%	5.0	A+
December 31, 2025	$370M	1.75%	5.0	A+
September 30, 2025	$347M	1.82%	5.0	A+
June 30, 2025	$332M	1.96%	5.0	A+
March 31, 2025	$329M	1.31%	5.0	A+
December 31, 2024	$333M	2.06%	5.0	A+
September 30, 2024	$329M	2.71%	5.0	A+
June 30, 2024	$323M	2.12%	5.0	A+
March 31, 2024	$315M	2.65%	5.0	A+
December 31, 2023	$304M	3.08%	5.0	A+
September 30, 2023	$307M	3.06%	5.0	A+

Source: NCUA 5300 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 Credit Union Incorporated 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 Beacon Credit Union Incorporated 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 Credit Union Incorporated's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Beacon Credit Union Incorporated

Website https://www.mybcu.org

Address 107 Leroy Bowen Dr, Lynchburg, VA 24502

Phone 434-237-1566

Fax 434-237-1544

President Wendy Ayers

CEO Greg McConville

Full-Time Employees 84

Part-Time Employees 5

Branch Locations 10

ATM Locations 10

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.80%

Return on Assets (ROA)

0.5412%

Return on Equity (ROE)

4.9105%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

391,583,845

Total Amount of Shares and Deposits

341,954,118

Total Shares and Deposits < 1 Year

340,837,645

Total Shares and Deposits 1 3 Years

550,283

Total Shares and Deposits > 3 Years

566,190

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,674,555

Total Uninsured Shares and Deposits > $250K (F+J)

8,674,555

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

333,279,563

Total Interest Expense (Sum of items 6 8)

2,866,102

Share Certificates

1,191

Number of Accounts for Share Drafts

17,601

IRA KEOGH Accounts

358

Number of Accounts for Regular Shares

34,667

Non Member Deposits

Money Market Shares

2,177

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

2,119,162

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,625,933

Total Liabilities

348,428,347

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Beacon Credit Union Incorporated earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Beacon Credit Union Incorporated

How many branches does Beacon Credit Union Incorporated operate?

Beacon Credit Union Incorporated 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 Beacon Credit Union Incorporated?

Yes, to access services at Beacon Credit Union Incorporated, 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, Beacon Credit Union Incorporated 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 Credit Union Incorporated provides members with tools to manage their accounts and build a solid financial history.

Does Beacon Credit Union Incorporated offer online and mobile banking?

Most modern institutions like Beacon Credit Union Incorporated 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.mybcu.org.

Current Beacon Credit Union Incorporated Rates

12-Month CD1.65%
24-Month CD3.40%
60-Month CD3.31%
Savings0.10%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Beacon Credit Union Incorporated Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Beacon Credit Union Incorporated Texas Ratio

Beacon Credit Union Incorporated Health Trend

Beacon Credit Union Incorporated CD Rates

Beacon Credit Union Incorporated Business CD Rates

Beacon Credit Union Incorporated Savings Rates

Beacon Credit Union Incorporated Business Savings Rates

Beacon Credit Union Incorporated Money Market Rates

Beacon Credit Union Incorporated Business Money Market Rates

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Beacon Credit Union Incorporated Business Checking Rates

Beacon Credit Union Incorporated Mortgage Rates

Beacon Credit Union Incorporated Home Equity & HELOC

Beacon Credit Union Incorporated Auto Loan Rates

Beacon Credit Union Incorporated RV, Boat and Powersport Loan Rates

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Beacon Credit Union Incorporated Personal Loan Rates

Beacon Credit Union Incorporated Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Beacon Credit Union Incorporated earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Beacon Credit Union Incorporated

How many branches does Beacon Credit Union Incorporated operate?

Is a member application needed to join Beacon Credit Union Incorporated?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Beacon Credit Union Incorporated offer online and mobile banking?

Current Beacon Credit Union Incorporated Rates

Compare to Other Credit Unions