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Beacon Credit Union Incorporated

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Beacon Credit Union Incorporated Rates & Review November 2026

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

Current rates for Beacon Credit Union Incorporated include: 12-Month CD: 4.35%, 24-Month CD: 3.40%, 60-Month CD: 3.31%, Savings: 0.10%, MMA: 4.00%

Q: What CD terms does Beacon Credit Union Incorporated offer?

Beacon Credit Union Incorporated CD rates are 4.35% APY for a 12 month CD, 3.40% APY for a 2 year CD, 3.31% APY for a 3 year CD, 3.31% APY for a 4 year CD and 3.31% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Beacon Credit Union Incorporated for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Beacon Credit Union Incorporated's CDs - 12 month rates are at 4.35%, CDs - 24 month rates are at 3.40%, CDs - 36 month rates are at 3.31%, CDs - 48 month rates are at 3.31%, CDs - 60 month rates are at 3.31%. Beacon Credit Union Incorporated's savings rates are at 0.10%. Beacon Credit Union Incorporated's money market rates are at 4.00%. Beacon Credit Union Incorporated's checking rates are as high as 5.05%. Beacon Credit Union Incorporated's 5/1 ARM - 30 Year Fixed Purchase rates are at 4.99%, 5/1 ARM - 30 Year Fixed Refinance rates are at 6.65%, First Mortgage - 15 Year Fixed Purchase rates are at 6.50%, First Mortgage - 15 Year Fixed Refinance rates are at 6.50%, 7/1 ARM - 30 Year Fixed Purchase rates are at 6.00%. Beacon Credit Union Incorporated's Personal Loan Rates are as low as 18.25%. Beacon Credit Union Incorporated's Credit Card Rates are at 8.00%. Beacon Credit Union Incorporated's CD rates are 10% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.

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 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
Certificates - 12 month	4.27%	4.35%	12 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty: 90 days of dividend whether earned or not Last Updated 10/30/2026 Rate History 4 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00% Oct 30, 20264.35%▲ from 3.92% Oct 26, 20263.92%▲ from 3.00% Oct 19, 20263.00%▼ from 3.92% Sep 18, 20263.92%▲ from 3.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Promotional Certificates - Limited Time Special - 6 month	4.27%	4.35%	6 Months
Min Deposit $2,500 Min Balance $2,500 Details Balance to earn APY: $2,500; new money only; early withdrawal penalty is 90 days of dividend whether earned or not Last Updated 10/30/2026 Rate History 2 changes since Oct 13, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.35% / low 4.25% Oct 26, 20264.35%▲ from 4.25% Oct 19, 20264.25%▼ from 4.35% Oct 13, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Certificates - 24 month	3.35%	3.40%	24 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty: 180 days of dividend whether earned or not Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 2.25% → 3.40% ▲ 1.15 pts · high 3.40% / low 2.25% Oct 26, 20263.40%▲ from 2.25% Oct 19, 20262.25%▼ from 3.40% Sep 18, 20263.40%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Certificates - 36 month	3.26%	3.31%	36 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty: 270 days of dividend whether earned or not Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 2.00% → 3.31% ▲ 1.31 pts · high 3.31% / low 2.00% Oct 26, 20263.31%▲ from 2.00% Oct 19, 20262.00%▼ from 3.31% Sep 18, 20263.31%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Certificates - 48 month	3.26%	3.31%	48 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty: 365 days of dividend whether earned or not Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 1.25% → 3.31% ▲ 2.06 pts · high 3.31% / low 1.25% Oct 26, 20263.31%▲ from 1.25% Oct 19, 20261.25%▼ from 3.31% Sep 18, 20263.31%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Certificates - 60 month	3.26%	3.31%	60 Months
Min Deposit $500 Min Balance $500 Details Early withdrawal penalty: 365 days of dividend whether earned or not Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 1.25% → 3.31% ▲ 2.06 pts · high 3.31% / low 1.25% Oct 26, 20263.31%▲ from 1.25% Oct 19, 20261.25%▼ from 3.31% Sep 18, 20263.31%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Business CD Rates

Product	Rate	APY	Term
Business Certificate - 6 month	0.10%	0.10%	6 Months
Min Deposit $500 Min Balance $500 Details Dividends Compounded: Monthly; Early withdrawal penalty is 30 days of dividend whether earned or not Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Business Certificate - 3 month	0.05%	0.05%	3 Months
Min Deposit $500 Min Balance $500 Details Dividends Compounded: Monthly; Early withdrawal penalty is 30 days of dividend whether earned or not Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 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; Tier 1; Dividends Compounded: Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 13 times 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 14 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; Tier 1; Dividends Compounded: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 14 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 Balance: $500; Dividends Compounded: Monthly Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 7 times 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; Dividends compounded monthly; new accounts only for members without an open consumer or business money market in the past 90 days; cannot be funded with existing Beacon deposit money Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 14 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; Dividends compounded monthly; new accounts only for members without an open consumer or business money market in the past 90 days; cannot be funded with existing Beacon deposit money Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 14 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; Dividends compounded monthly; new accounts only for members without an open consumer or business money market in the past 90 days; cannot be funded with existing Beacon deposit money Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 14 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; Dividends compounded monthly; new accounts only for members without an open consumer or business money market in the past 90 days; cannot be funded with existing Beacon deposit money Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 14 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 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; Dividends compounded monthly; new accounts only for members without an open consumer or business money market in the past 90 days; cannot be funded with existing Beacon deposit money Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 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; Dividends compounded monthly; new accounts only for members without an open consumer or business money market in the past 90 days; cannot be funded with existing Beacon deposit money Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 14 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	View More
Business Money Market	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $2,499.99; Dividends Compounded: Monthly; Blended rate product Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 14 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	4.94%	5.05%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: $0.01 to $2,500; Tier 1; Dividends Compounded: Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.05% APY · checked 12 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 Balance to earn APY: $200 ADB; Dividends Compounded: Monthly. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 13 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; Qualifying balance up to $10,000.00; Minimum to open $500; Additional qualification must be met to earn Tier 2 dividend; Dividends compounded monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.04% APY · checked 13 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
5/1 ARM - 30 Year Fixed Purchase	4.99%	1.000%	6.647%	30 years
Details Adjustable Rate Mortgage; Index: 1-Yr Current Weekly Average CMT T-Bill; Rates base on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History 1 change since Oct 21, 2026 · 6.52% → 6.65% ▲ 0.13 pts · high 6.65% / low 6.52% Oct 30, 20266.65%▲ from 6.52% Oct 21, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
5/1 ARM - 30 Year Fixed Refinance	-	1.000%	6.647%	30 years
Details Adjustable Rate Mortgage; Index: 1-Yr Current Weekly Average CMT T-Bill; Rates base on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History 1 change since Oct 21, 2026 · 6.52% → 6.65% ▲ 0.13 pts · high 6.65% / low 6.52% Oct 30, 20266.65%▲ from 6.52% Oct 21, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 15 Year Fixed Purchase	6.50%	0.750%	6.763%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.76% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 15 Year Fixed Refinance	6.50%	0.750%	6.763%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.76% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
7/1 ARM - 30 Year Fixed Purchase	6.00%	0.750%	6.878%	30 years
Details Adjustable Rate Mortgage; Index: 1-Yr Current Weekly Average CMT T-Bill; Rates base on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History 1 change since Oct 21, 2026 · 6.70% → 6.88% ▲ 0.18 pts · high 6.88% / low 6.70% Oct 30, 20266.88%▲ from 6.70% Oct 21, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
7/1 ARM - 30 Year Fixed Refinance	6.00%	0.750%	6.878%	30 years
Details Adjustable Rate Mortgage; Index: 1-Yr Current Weekly Average CMT T-Bill; Rates base on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History 1 change since Oct 21, 2026 · 6.70% → 6.88% ▲ 0.18 pts · high 6.88% / low 6.70% Oct 30, 20266.88%▲ from 6.70% Oct 21, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 15 Year Fixed Refinance (Cash Out)	6.875%	0.750%	7.144%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
3/1 ARM - 30 Year Fixed Purchase	5.875%	0.750%	7.218%	30 years
Details Adjustable Rate Mortgage; Index: 1-Yr Current Weekly Average CMT T-Bill; Rates base on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History 1 change since Oct 21, 2026 · 7.04% → 7.22% ▲ 0.18 pts · high 7.22% / low 7.04% Oct 30, 20267.22%▲ from 7.04% Oct 21, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
3/1 ARM - 30 Year Fixed Refinance	5.875%	0.750%	7.218%	30 years
Details Adjustable Rate Mortgage; Index: 1-Yr Current Weekly Average CMT T-Bill; Rates base on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History 1 change since Oct 21, 2026 · 7.04% → 7.22% ▲ 0.18 pts · high 7.22% / low 7.04% Oct 30, 20267.22%▲ from 7.04% Oct 21, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 30 Year Fixed Purchase	7.125%	0.750%	7.295%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 30 Year Fixed Refinance	7.125%	0.750%	7.295%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 30 Year Fixed Refinance (Cash Out)	7.375%	0.750%	7.549%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 20 Year Fixed Purchase	7.375%	0.750%	7.599%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 20 Year Fixed Refinance	7.375%	0.750%	7.599%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - 20 Year Fixed Refinance (Cash Out)	7.625%	0.750%	7.853%
Details Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.85% APR 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 As Low As; Max LTV 80%; APR is variable based on the highest domestic prime rate published in the Wall Street Journal; minimum loan amount of $40,000 required for terms over 120 months; maximum possible APR 24%, minimum possible APR 3.25% Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 6.20% APR · checked 6 times 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; Loan to Volume 80.01%-90%; Variable APR based on WSJ highest domestic prime rate; Minimum loan amount $40,000 required for term over 120 months; Maximum possible APR 24%; Minimum possible APR 3.25%; Property insurance required Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 8.45% APR · checked 6 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 - 60 Months	-	-	7.25%	60 Months
Details As Low As; Minimum loan $10,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.55% → 7.25% ▲ 0.70 pts · high 7.25% / low 6.55% Oct 26, 20267.25%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New & Used Auto Loans - 66 Months	-	-	7.25%	66 Months
Details As Low As; Minimum loan $10,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.55% → 7.25% ▲ 0.70 pts · high 7.25% / low 6.55% Oct 26, 20267.25%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New & Used Auto Loans - 72 Months	-	-	7.69%	72 Months
Details As Low As; Minimum loan $20,000 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.25% → 7.69% ▲ 0.44 pts · high 7.69% / low 7.25% Oct 26, 20267.69%▲ from 7.25% Oct 19, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New & Used Auto Loans - 84 Months	-	-	7.99%	84 Months
Details As Low As; Minimum loan $25,000 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.75% → 7.99% ▲ 0.24 pts · high 7.99% / low 7.75% Oct 26, 20267.99%▲ from 7.75% Oct 19, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New & Used Auto Loans - 96 Months	-	-	9.75%	96 Months
Details As Low As; Minimum loan $40,000 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 9.30% → 9.75% ▲ 0.45 pts · high 9.75% / low 9.30% Oct 26, 20269.75%▲ from 9.30% Oct 19, 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/RVs/Motorcycles Loan	-	11.75%	60 Months
Details As Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans. Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 11.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boats/RVs/Motorcycles Loan	-	12.25%	66 Months
Details As Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans. Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 12.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boats/RVs/Motorcycles Loan	-	12.75%	72 Months
Details As Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans. Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 12.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Beacon Credit Union Incorporated Credit Card Rates

Product	Rate	APR
VISA Credit Card - Blue	-	8.00%
Details As Low As; Limits: $500 to $3,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
VISA Credit Card - Advantage	-	12.50%
Details As Low As; Limits: $5,000 to $20,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
VISA Credit Card - Rewards	-	15.25%
Details As Low As; Limits: $5,000 to $20,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 15.25% APR · checked 5 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 Loans - 42 Months	18.25%	42 Months
Details As Low As; Annual Percentage Rate As Low As Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 17.75% → 18.25% ▲ 0.50 pts · high 18.25% / low 17.75% Oct 26, 202618.25%▲ from 17.75% Oct 19, 202617.75%▼ from 18.25% Oct 13, 202618.25%▲ from 17.75% Sep 14, 202617.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loans - 36 Months	18.50%	36 Months
Details As Low As; Annual Percentage Rate As Low As Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 18.00% → 18.50% ▲ 0.50 pts · high 18.50% / low 18.00% Oct 26, 202618.50%▲ from 18.00% Oct 19, 202618.00%▼ from 18.50% Oct 13, 202618.50%▲ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loans - 24 Months	19.00%	24 Months
Details As Low As; Annual Percentage Rate As Low As Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 18.50% → 19.00% ▲ 0.50 pts · high 19.00% / low 18.50% Oct 26, 202619.00%▲ from 18.50% Oct 19, 202618.50%▼ from 19.00% Oct 13, 202619.00%▲ from 18.50% Sep 14, 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
Home Improvement Loans - 12-36 Months	-	-	8.70%	12-36 months
Details As Low As; Minimum loan $5,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Improvement Loans - 120-180 Months	-	-	11.70%	120-180 months
Details As Low As; Minimum loan $10,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Improvement Loans - 37-60 Months	-	-	9.70%	37-60 months
Details As Low As; Minimum loan $5,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Improvement Loans - 61-84 Months	-	-	10.70%	61-84 months
Details As Low As; Minimum loan $5,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Improvement Loans - 85-119 Months	-	-	11.70%	85-119 months
Details As Low As; Minimum loan $5,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Security Loans	-	-	9.40%	48 Months
Details As Low As Last Updated 10/30/2026 Rate History 2 changes since Oct 9, 2026 · 9.40% → 9.40% ▼ 0.00 pts · high 9.40% / low 9.25% Oct 26, 20269.40%▲ from 9.25% Oct 19, 20269.25%▼ from 9.40% Oct 9, 20269.40%first recorded 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 10/30/2026 Rate History 2 changes since Oct 9, 2026 · 10.40% → 10.40% ▼ 0.00 pts · high 10.40% / low 10.25% Oct 26, 202610.40%▲ from 10.25% Oct 19, 202610.25%▼ from 10.40% Oct 9, 202610.40%first recorded 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 10/30/2026 Rate History 2 changes since Oct 9, 2026 · 12.40% → 12.40% ▼ 0.00 pts · high 12.40% / low 12.25% Oct 26, 202612.40%▲ from 12.25% Oct 19, 202612.25%▼ from 12.40% Oct 9, 202612.40%first recorded 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 10/30/2026 Rate History 2 changes since Oct 9, 2026 · 13.40% → 13.40% ▼ 0.00 pts · high 13.40% / low 13.25% Oct 26, 202613.40%▲ from 13.25% Oct 19, 202613.25%▼ from 13.40% Oct 9, 202613.40%first recorded 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

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

Does Beacon Credit Union Incorporated offer CDs?

Yes. Beacon Credit Union Incorporated current CD rates include its CDs - 12 month at 4.35% APY, its CDs - 24 month at 3.40% APY and its CDs - 36 month at 3.31% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Beacon Credit Union Incorporated NCUA insured?

Yes. Beacon Credit Union Incorporated is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Beacon Credit Union Incorporated?

The highest Beacon Credit Union Incorporated CD rate is its CDs - 12 month at 4.35% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Beacon Credit Union Incorporated offer?

Beacon Credit Union Incorporated CD rates are 4.35% APY for a 12 month CD, 3.40% APY for a 2 year CD, 3.31% APY for a 3 year CD, 3.31% APY for a 4 year CD and 3.31% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Beacon Credit Union Incorporated for its full lineup.

What is the highest savings rate at Beacon Credit Union Incorporated?

The highest Beacon Credit Union Incorporated savings rate is its Tiered Savings at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Beacon Credit Union Incorporated?

The highest Beacon Credit Union Incorporated money market rate is its Premier Money Market at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Beacon Credit Union Incorporated?

The highest Beacon Credit Union Incorporated checking rate is its Choice Plus Checking at 5.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Beacon Credit Union Incorporated?

The lowest Beacon Credit Union Incorporated 30 year fixed mortgage rate is its 5/1 ARM - 30 Year Fixed Purchase at 4.99%, verified by MonitorBankRates as of October 30, 2026. Beacon Credit Union Incorporated mortgage rates are 7.125% for a 30 year mortgage, 7.375% for a 20 year mortgage, 6.50% for a 15 year mortgage, 5.875% for a 3/1 ARM, 4.99% for a 5/1 ARM and 6.00% for a 7/1 ARM.

What is the lowest auto loan rate at Beacon Credit Union Incorporated?

The lowest Beacon Credit Union Incorporated auto loan rate is its New & Used Auto Loans - 60 Months at 7.25% APR, verified by MonitorBankRates as of October 30, 2026. Beacon Credit Union Incorporated auto loan rates are 7.25% APR for a 60 month auto loan, 7.25% APR for a 66 month auto loan, 7.69% APR for a 72 month auto loan, 7.99% APR for an 84 month auto loan and 9.75% APR for a 96 month auto loan.

What is the lowest personal loan rate at Beacon Credit Union Incorporated?

The lowest Beacon Credit Union Incorporated personal loan rate is its Personal Loans - 42 Months at 18.25% APR, verified by MonitorBankRates as of October 30, 2026. Beacon Credit Union Incorporated personal loan rates are 19.00% APR for a 24 month personal loan, 18.50% APR for a 36 month personal loan and 18.25% APR for a 42 month personal loan.

What is the lowest credit card APR at Beacon Credit Union Incorporated?

The lowest Beacon Credit Union Incorporated credit card APR is its VISA Credit Card - Blue at 8.00% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Beacon Credit Union Incorporated rates compare?

Beacon Credit Union Incorporated's CD rates are 10% higher than the MonitorBankRates national average, and it has an A+ health rating. Beacon Credit Union Incorporated's top rates are its CDs - 12 month at 4.35% APY, its Tiered Savings at 0.10% APY, its Premier Money Market at 4.00% APY, its Choice Plus Checking at 5.05% APY, its 5/1 ARM - 30 Year Fixed Purchase at 4.99%, its Personal Loans - 42 Months at 18.25% APR and its VISA Credit Card - Blue at 8.00% APR, verified by MonitorBankRates on October 30, 2026.

Current Beacon Credit Union Incorporated Rates

12-Month CD4.35%
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 November 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

Beacon Credit Union Incorporated Checking Rates

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

Beacon Credit Union Incorporated Credit Card Rates

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

Does Beacon Credit Union Incorporated offer CDs?

Are CDs from Beacon Credit Union Incorporated NCUA insured?

What is the highest CD rate at Beacon Credit Union Incorporated?

What CD terms does Beacon Credit Union Incorporated offer?

What is the highest savings rate at Beacon Credit Union Incorporated?

What is the highest money market rate at Beacon Credit Union Incorporated?

What is the highest checking rate at Beacon Credit Union Incorporated?

What is the lowest 30 year fixed mortgage rate at Beacon Credit Union Incorporated?

What is the lowest auto loan rate at Beacon Credit Union Incorporated?

What is the lowest personal loan rate at Beacon Credit Union Incorporated?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Beacon Credit Union Incorporated rates compare?

Current Beacon Credit Union Incorporated Rates

Compare to Other Credit Unions