What are the current interest rates at Beacon Credit Union?

Current rates for Beacon Credit Union include: MMA: 0.05%

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Beacon Credit Union

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Beacon Credit Union Rates & Review October 2026

Q: How many branches does Beacon Credit Union operate?

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

Q: Is a member application needed to join Beacon Credit Union?

Yes, to access services at Beacon Credit Union, 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.

Q: Is there a first-time homebuyer program?

Currently, Beacon Credit Union 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 Credit Union 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 10, 2026

Beacon Credit Union's top rates as of October 10, 2026 are 0.05% APY on money market accounts, 6.37% on its 15 Year Fixed mortgage, and auto loans from 4.81% APR, according to rates verified by MonitorBankRates. Other Beacon Credit Union mortgage rates include 30 Year Fixed at 6.50%, 7/1 ARM at 7.00%, and 7/1 Year ARM at 7.00%. MonitorBankRates evaluates the financial stability of Beacon Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.46%. Rates last updated and verified on 10/10/2026.

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

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

2.46%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Beacon Credit Union
Wabash Admin Building

586 S Wabash St
Wabash, IN 46992-3328

https://www.beaconcu.org

Privately insuredNot NCUA

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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 Money Market Rates

Product	Rate	APY	View More
Money Market	-	0.05%
Min Balance $5 Details $5 monthly account maintenance fee (can be avoided by receiving eStatements). Fees could reduce earnings. APY (Annual Percentage Yield) if balance is above $5; subject to change. Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the individual's (for consumer) or business' (for business) membership within previous 12 months. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

Beacon Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed	6.37%	0.00%	6.51%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.51% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
30 Year Fixed	6.50%	0.00%	6.58%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.58% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
7/1 ARM	7.00%	-	7.09%	30 year
Details Annual Percentage Rate (APR) as of 9/01/26; subject to change. Rates based on credit performance and terms of the loan, actual rates may vary. All loans subject to approval. No discount points. Additional fees may apply. Product offerings may vary. Mortgage loans assume you will borrow $150,000 inclusive of loan fees. An adjustable rate mortgage (ARM) has monthly payment that may change over the term of the loan. The 7/1 ARM product will have the same rate and payment during the first 7 years of the loan and then can change each year based on the index plus margin. Margin is 3.00%. Subsequent rate changes can occur every year thereafter. Maximum interest rate increase of 1% per year and 5% over loan term. The calculated APR on 30 year term with an interest rate of 7.00% would be 7.09% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
7/1 Year ARM	7.00%	0.00%	7.09%	7/1 year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

Beacon Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto	4.73%	-	4.81%	60 months
Details Interest Rate / Annual Percentage Rate (APR) as of 9/1/26; subject to change. Rates based on credit performance, age of vehicle, and terms of the loan. All loans subject to approval. Additional fees may apply. Auto loan example: assume you will borrow $25,000 with $50 documentation preparation fee; the loan amount will be $25,050. The calculated APR on a 60 month loan, with a minimum credit score of 739 and an interest rate of 4.73%, would be 4.81. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.73% → 4.81% ▲ 0.08 pts · high 4.81% / low 4.73% Sep 18, 20264.81%▲ from 4.73% Sep 14, 20264.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

Beacon Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Small Recreational Loan	5.23%	5.45%	36 month
Details Interest Rate / Annual Percentage Rate (APR) as of 9/1/26; subject to change. Rates based on credit performance, age of vehicle, and terms of the loan. All loans subject to approval. Additional fees may apply. Small recreational loan example: assume you will borrow $15,000 with $50 documentation preparation fee; the loan amount will be $15,050. The calculated APR on 36 month loan with an interest rate of 5.23% would be 5.45% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.23% → 5.45% ▲ 0.22 pts · high 5.45% / low 5.23% Sep 18, 20265.45%▲ from 5.23% Sep 14, 20265.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Large Recreational Loan	6.23%	6.34%	60 month
Details Interest Rate / Annual Percentage Rate (APR) as of 9/1/26; subject to change. Rates based on credit performance, age of vehicle, and terms of the loan. All loans subject to approval. Additional fees may apply. Large recreational loan example: assume you will borrow $20,000 with $50 documentation preparation fee; the loan amount will be $20,050. The calculated APR on 60 month loan with an interest rate of 6.23% would be 6.34% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.23% → 6.34% ▲ 0.11 pts · high 6.34% / low 6.23% Sep 18, 20266.34%▲ from 6.23% Sep 14, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

Beacon Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Ownership Share	-	-	6.00%
Min Deposit $5 Min Balance $5 Details Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. Applicable Share Certificate dividends exclude HSA and IRA. $5.00 monthly inactivity fee incurred if no additional activity across the individual's membership within previous 12 months. Consumer accounts only; business accounts not eligible. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

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

Financial Health History

Beacon Credit Union’s Texas Ratio rose from 0.55% in Q3 2023 to 2.46% in Q2 2026, so its financial health has stayed 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	$1.8B	2.46%	5.0	A+
March 31, 2026	$1.8B	3.08%	5.0	A+
December 31, 2025	$1.8B	0.53%	5.0	A+
September 30, 2025	$1.7B	1.43%	5.0	A+
June 30, 2025	$1.7B	1.23%	5.0	A+
March 31, 2025	$1.5B	2.15%	5.0	A+
December 31, 2024	$1.5B	0.75%	5.0	A+
September 30, 2024	$1.5B	0.47%	5.0	A+
June 30, 2024	$1.5B	0.30%	5.0	A+
March 31, 2024	$1.5B	0.27%	5.0	A+
December 31, 2023	$1.5B	0.57%	5.0	A+
September 30, 2023	$1.5B	0.55%	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 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Beacon Credit Union

Website https://www.beaconcu.org

Address 586 S Wabash St, Wabash, IN 46992-3328

Phone 260-563-7443

Fax 260-569-0553

President Herbert Horrom

CEO Dustin Cuttriss

Full-Time Employees 303

Part-Time Employees 26

Branch Locations 23

ATM Locations 20

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.46%

Return on Assets (ROA)

0.3418%

Return on Equity (ROE)

2.5284%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

1,764,368,858

Total Amount of Shares and Deposits

1,424,142,534

Total Shares and Deposits < 1 Year

1,303,140,128

Total Shares and Deposits 1 3 Years

104,750,989

Total Shares and Deposits > 3 Years

16,251,418

Total Interest Expense (Sum of items 6 8)

13,171,091

Share Certificates

8,969

Number of Accounts for Share Drafts

43,127

IRA KEOGH Accounts

3,662

Number of Accounts for Regular Shares

64,591

All other shares

286

Non Member Deposits

Money Market Shares

2,118

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

6,030,365

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)

20,476,519

Total Liabilities

1,572,227,124

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Beacon Credit Union earned the Verified Healthy badge

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

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Frequently Asked Questions About Beacon Credit Union

How many branches does Beacon Credit Union operate?

Beacon Credit Union 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?

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

Does Beacon Credit Union offer online and mobile banking?

Most modern institutions like Beacon Credit Union 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.beaconcu.org.