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Advertiser Disclosure
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 Beacon Credit Union Incorporated Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Beacon Credit Union Incorporated's money market rates are at 4.00%. Beacon Credit Union Incorporated's 15 Year Fixed Refinance rates are at 5.50%, 15 Year Fixed Purchase rates are at 5.75%, 30 Year Fixed Purchase rates are at 6.00%, 30 Year Fixed Refinance rates are at 6.00%. Beacon Credit Union Incorporated's Personal Loan Rates are at 4.69%. 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 1.89%. Rates were last updated on 04/19/2026. 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. Beacon Credit Union Incorporated
Corporate Office 107 Leroy Bowen Dr
https://www.mybcu.org Lynchburg, VA 24502 
Beacon Credit Union Incorporated Money Market Rates
Beacon Credit Union Incorporated Checking Rates
Beacon Credit Union Incorporated Mortgage Rates
Beacon Credit Union Incorporated Home Equity & HELOC
Beacon Credit Union Incorporated Auto Loan Rates
Methodology & Data SourcesMonitorBankRates 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
Philip Hynes
CEO
Greg McConville
Full-Time Employees
87
Part-Time Employees
5
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.89%
Return on Assets (ROA)
1.1540%
Return on Equity (ROE)
10.1996%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
346,574,294
Total Amount of Shares and Deposits
301,104,720
Total Shares and Deposits < 1 Year
300,074,855
Total Shares and Deposits 1 3 Years
304,093
Total Shares and Deposits > 3 Years
725,772
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,170,813
Total Uninsured Shares and Deposits > $250K (F+J)
9,170,813
Total Insured Shares and Deposits > $250K (item 17 less item K)
291,933,907
Total Interest Expense (Sum of items 6 8)
3,717,157
Share Certificates
1,148
Number of Accounts for Share Drafts
16,896
IRA KEOGH Accounts
379
Number of Accounts for Regular Shares
33,917
Non Member Deposits
1
Money Market Shares
2,116
Net Income (unless the amount is already included in Undivided Earnings)
3,999,492
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,596,451
Total Liabilities
307,362,013
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Beacon Credit Union IncorporatedIs Beacon Credit Union Incorporated a safe place to deposit money?Yes, Beacon Credit Union Incorporated is considered a safe financial institution. With a Texas Ratio of 1.8854501221186%, 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 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
Retrieved from our database of financial products. Rates subject to change.
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