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Beacon Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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 →
| iEditorial Disclosure
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 and Verified: September 20, 2026

Beacon Federal Credit Union's 12 Month Roth IRA Cert rates are at 4.00%, 12 mos. Cert rates are at 4.00%, 12 mos. IRA Cert rates are at 4.00%, 18 Month Roth IRA Cert rates are at 3.75%, 18 mos. Cert rates are at 3.75%. Beacon Federal Credit Union's savings rates are at 0.15%. Beacon Federal Credit Union's money market rates are at 0.80%. Beacon Federal Credit Union's Personal Loan Rates are as low as 3.25%. Beacon Federal Credit Union's Credit Card Rates are at 5.14%. MonitorBankRates evaluates the financial stability of Beacon Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.23%. Rates last updated and verified on 09/20/2026.

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

MonitorBankRates Verified Healthy Badge 2026 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 ?
1.23%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Beacon Federal Credit Union
Main Office
2901 Sens Rd
La Porte, TX 77571
https://www.beaconfed.org
Member NCUA

Beacon Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Roth IRA Cert 3.93% 4.00% 12 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
12 mos. Cert 3.93% 4.00% 12 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
12 mos. IRA Cert 3.93% 4.00% 12 months
Min Balance $1,000
Details Youth Certificates: minimum balance is $500.00.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
18 Month Roth IRA Cert 3.69% 3.75% 18 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
18 mos. Cert 3.69% 3.75% 18 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
18 mos. IRA Cert 3.69% 3.75% 18 months
Min Balance $1,000
Details Youth Certificates: minimum balance is $500.00.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
6 Month Roth IRA Cert 3.69% 3.75% 6 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
6 mos. Cert 3.69% 3.75% 6 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
6 mos. IRA Cert 3.69% 3.75% 6 months
Min Balance $1,000
Details Youth Certificates: minimum balance is $500.00.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
24 Month Roth IRA Cert 3.45% 3.50% 24 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
24 mos. Cert 3.45% 3.50% 24 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
24 mos. IRA Cert 3.45% 3.50% 24 months
Min Balance $1,000
Details Youth Certificates: minimum balance is $500.00.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
36 Month Roth IRA Cert 3.45% 3.50% 36 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
36 mos. Cert 3.45% 3.50% 36 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
36 mos. IRA Cert 3.45% 3.50% 36 months
Min Balance $1,000
Details Youth Certificates: minimum balance is $500.00.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
48 Month Roth IRA Cert 3.45% 3.50% 48 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
48 mos. Cert 3.45% 3.50% 48 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
48 mos. IRA Cert 3.45% 3.50% 48 months
Min Balance $1,000
Details Youth Certificates: minimum balance is $500.00.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
60 Month Roth IRA Cert 3.45% 3.50% 60 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
60 mos. Cert 3.45% 3.50% 60 months
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
60 mos. IRA Cert 3.45% 3.50% 60 months
Min Balance $1,000
Details Youth Certificates: minimum balance is $500.00.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Savings Rates

Product Rate APY View More
IRA Savings 0.15% 0.15%
Min Balance $5
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Roth IRA Savings 0.15% 0.15%
Min Balance $5
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Christmas Club 0.05% 0.05%
Min Balance $5
Details Balance: $5.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Vacation Club 0.05% 0.05%
Min Balance $5
Details Balance: $5.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.95% 0.95%
Min Balance $25,000
Details Balance: $25,000+
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Money Market 0.85% 0.85%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Money Market 0.80% 0.80%
Min Balance $0
Details Balance: < $10,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Checking Rates

Product Rate APY View More
Reward Checking - Qualified Accounts 1.00% 1.00%
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $20,000.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Reward Checking - Qualified Accounts 0.05% 0.05%
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $20,000.01 and over
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity (LTV up to 80%) - - 5.25% Up to 10 Years
Details As Low As; Call for more information
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Home Equity (LTV up to 80%) - - 5.50% Up to 15 Years
Details As Low As; Call for more information
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 3.39% 65 months
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Autos - - 3.39% Up to 36 Months
Details Published APR range: 3.39% - 12.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Autos - - 3.89% 37-48 Months
Details Published APR range: 3.89% - 12.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Autos - - 4.39% 49 - 65 Months
Details Published APR range: 4.39% -13.14%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Autos - - 4.89% 66 - 74 Months
Details Published APR range: 4.89% - 16.49%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Autos - - 5.39% 75 - 84 Months
Details Published APR range: 5.39% -9.39%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Autos - - 6.89% Up to 10 Years
Details As Low As; Call for more information
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Autos - - 7.39% Up to 15 Years
Details As Low As; Call for more information
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Auto - - 9.50%
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New & Used Motorcycles Loan - 5.19% Up to 48 Months
Details Published APR range: 5.19% - 16.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Motorcycles Loan - 5.69% 49 - 65 Months
Details Published APR range: 5.69% - 17.45%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan - 6.19% Up to 48 Months
Details APR range: 6.19% - 17.99% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan - 6.65% 49 - 65 Months
Details APR range: 6.65% - 17.99% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Motorcycles Loan - 6.69% 66 - 74 Months
Details Published APR range: 6.69% - 17.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan - 7.45% 66 - 74 Months
Details APR range: 7.45% - 17.99% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used Motorcycles Loan - 7.69% 75 - 84 Months
Details Published APR range: 7.69% - 12.65%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan - 8.75% 75 - 84 Months
Details APR range: 8.75% - 12.55% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan - 9.59% 85 - 120 Months
Details APR range: 9.59% - 13.65% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan - 10.54% 121 - 144 Months
Details APR range: 10.54% - 15.40% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan - 11.54% 145-180 Months
Details APR range: 11.54% - 16.40% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Undergraduate student loan 2.08% - 3.75% 10 to 15 year
Details Published APR range: 2.08% to 17.49%; Published rate range: 3.75% to 16.95%. Lowest rates shown include the auto debit discount.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 5.14%
Details Published APR range: 5.14% - 17.99%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Credit Cards - 6.85%
Details Published APR range: 6.85% - 17.99%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Credit Cards - 7.89%
Details Published APR range: 7.89% - 17.99%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Credit Cards - 9.00%
Details Published APR range: 9.00% - 12.75%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Credit Cards - 9.50%
Details Published APR range: 9.50%-17.99%. APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice. Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation. Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Credit Cards - 9.79%
Details Published APR range: 9.79% - 13.85%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Credit Cards - 10.74%
Details Published APR range: 10.74% - 15.60%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Beacon Blue Platinum MasterCard - 11.55%
Details Published APR range: 11.55% - 18.00%. Variable rate account. Your rate will be determined by your credit score. After the 6-month introductory period ends, your APR will be based on your creditworthiness. The variable APR will vary with the market based on the Prime Rate and will not exceed 18.00%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Beacon FCU Visa Credit Card - 11.55%
Details Intro/promo APR: 1.80%; Intro rate expires: 6-month; Regular APR: 11.55% APR and no greater than 18.00% APR
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Loans 3.25% 60 Months
Details APR* above Interest
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Personal Line of Credit 9.50%
Details Use this open-end source of funds for quick cash when needed for large or unexpected expenses. Pay back what you owe to free up more credit. No collateral needed. Revolving line of credit. No origination fee. No penalties for paying off early. Free up your cash flow. Get savings right from the start.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Unsecured Loan 11.49%
Details Loan amount: under $10K. Published APR range: 11.49% - 17.99%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Unsecured Loan 12.49%
Details Loan amount: over $10K. Published APR range: 12.49% - 17.99%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Any Time, Any Day Loan - - 7.95%
Details Published APR range: 7.95% - 11.45%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
LOC Loan - - 9.50%
Details Published APR range: 9.50% - 17.99%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Pay Day Loan - - 17.99%
Details Published APR range: 17.99% - 17.99%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Teacher Loan - - 2.25%
Details Published APR range: 2.25% - 9.24%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
6-month introductory rate Loan - - 11.55% 6 months
Details Intro/promo APR: 1.80%; Published APR range: 1.80% - 9.80%. Intro rate expires: 6 months; Regular APR: 11.55% - 18.00%
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Anytime Any Day Loans - - 7.95% up to 12 months
Details No collateral needed. Low interest rates for those times when you have unexpected expenses. Easy online application. Allowed two Skip-A-Pays per calendar year.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Career training loan 2.08% - 3.75% 10 to 15 year
Details Published APR range: 2.08% to 17.64%; Published rate range: 3.75% to 17.14%. Lowest rates shown include the auto debit discount.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
MBA loan 2.08% - 3.75% 5-15 year
Details Published APR range: 2.08% to 14.99%; Published rate range: 3.75% to 14.48%. Lowest rates shown include the auto debit discount.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Medical school loan 2.08% - 3.75% 20-year
Details Published APR range: 2.08% to 14.97%; Published rate range: 3.75% to 14.46%. Lowest rates shown include the auto debit discount.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Dental school loan 2.08% - 3.75% 20-year
Details Published APR range: 2.08% to 14.98%; Published rate range: 3.75% to 14.47%. Lowest rates shown include the auto debit discount.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Health professions loan 2.08% - 3.75% 10-15 year
Details Published APR range: 2.08% to 14.99%; Published rate range: 3.75% to 14.48%. Lowest rates shown include the auto debit discount.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Law school loan 2.08% - 3.75% 10-15 year
Details Published APR range: 2.08% to 14.99%; Published rate range: 3.75% to 14.47%. Lowest rates shown include the auto debit discount.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Graduate school loan 2.08% - 3.75% 10-15 year
Details Published APR range: 2.08% to 14.99%; Published rate range: 3.75% to 14.48%. Lowest rates shown include the auto debit discount.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Bar exam loan 6.51% - 7.01%
Details Published APR range: 7.01% to 15.26%; Published rate range: 6.51% to 16.12%. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Medical residency loan 6.33% - 6.33%
Details Published APR range: 6.33% to 11.59%; Published rate range: 6.33% to 11.59%. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Dental residency loan 6.50% - 6.50%
Details Published APR range: 6.50% to 12.40%; Published rate range: 6.50% to 12.40%. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
Regular Shares 0.05% - 0.05%
Min Balance $100
Details Balance: $100.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.23%
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 Federal Credit Union’s Texas Ratio stayed near 0.78% in Q2 2023 to 1.23% in Q1 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.

0% 1.0★ 1.3% 2.0★ 2.6% 3.0★ 4% 4.0★ 5.3% 5.0★ Healthy zone – entire history below the 15% limit 0.78% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 1.23% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$209M1.23%5.0A+
December 31, 2025$202M3.91%5.0A+
September 30, 2025$200M2.27%5.0A+
June 30, 2025$204M1.99%5.0A+
March 31, 2025$210M0.93%5.0A+
December 31, 2024$204M1.91%5.0A+
September 30, 2024$203M1.90%5.0A+
June 30, 2024$201M2.16%5.0A+
March 31, 2024$203M2.77%5.0A+
December 31, 2023$197M3.44%5.0A+
September 30, 2023$195M2.20%5.0A+
June 30, 2023$198M0.78%5.0A+
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 Federal 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 Federal 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Beacon Federal Credit Union
Website https://www.beaconfed.org
Address 2901 Sens Rd, La Porte, TX 77571
Phone 281-471-1782
Fax 281-470-9287
President Eileen Hall
CEO Jack McAdoo
Full-Time Employees 45
Part-Time Employees 2
Branch Locations 5
ATM Locations 5
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
1.23%
Return on Assets (ROA)
0.0157%
Return on Equity (ROE)
0.1845%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
209,056,096
Total Amount of Shares and Deposits
191,687,726
Total Shares and Deposits < 1 Year
185,387,135
Total Shares and Deposits 1 3 Years
5,103,988
Total Shares and Deposits > 3 Years
1,196,600
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,284,956
Total Uninsured Shares and Deposits > $250K (F+J)
7,284,956
Total Insured Shares and Deposits > $250K (item 17 less item K)
184,402,770
Total Interest Expense (Sum of items 6 8)
445,783
Share Certificates
867
Number of Accounts for Share Drafts
8,518
IRA KEOGH Accounts
490
Number of Accounts for Regular Shares
15,240
Money Market Shares
297
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)
19,546,011
Total Liabilities
192,832,406
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Beacon Federal Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Beacon Federal Credit Union

How many branches does Beacon Federal Credit Union operate?

Beacon Federal 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 Federal Credit Union?

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

Does Beacon Federal Credit Union offer online and mobile banking?

Most modern institutions like Beacon Federal 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.beaconfed.org.

Current Beacon Federal Credit Union Rates

  • 12-Month CD4.00%
  • 18-Month CD3.75%
  • 24-Month CD3.50%
  • 60-Month CD3.50%
  • Savings0.15%
  • MMA0.80%
Retrieved from our database of financial products. Rates subject to change.

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