|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Beacon Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Beacon Financial Credit Union's 06 month CD rates are at 3.00%, 12 month CD rates are at 3.00%, 24 month CD rates are at 3.00%, 36 month CD rates are at 3.00%, 48 month CD rates are at 3.00%. Beacon Financial Credit Union's money market rates are at 0.20%. MonitorBankRates evaluates the financial stability of Beacon Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.50%. Rates were last updated on 04/08/2026. Beacon Financial 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 Financial Credit Union? Share your experience about Beacon Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Beacon Financial Credit Union. Beacon Financial Credit Union
Beacon Financial Credit Union 400 N State of Franklin Rd
https://www.beaconfcu.org Johnson City, TN 37604 
Beacon Financial Credit Union CD Rates
Beacon Financial Credit Union Savings Rates
Beacon Financial Credit Union Money Market Rates
Beacon Financial Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Beacon Financial 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 Financial 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 Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Beacon Financial Credit Union
Website
https://www.beaconfcu.org
Address
400 N State of Franklin Rd,
Johnson City, TN 37604
Phone
423-431-6361
Fax
President
Shana Tate
CEO
John Michael Nelms
Full-Time Employees
10
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.50%
Return on Assets (ROA)
-0.0793%
Return on Equity (ROE)
-1.0663%
Non-Performing Loans Ratio (NPL)
0.31%
Total Assets
28,942,315
Total Amount of Shares and Deposits
27,024,052
Total Shares and Deposits < 1 Year
26,322,430
Total Shares and Deposits 1 3 Years
63,505
Total Shares and Deposits > 3 Years
638,117
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
899,145
Total Uninsured Shares and Deposits > $250K (F+J)
899,145
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,124,907
Total Interest Expense (Sum of items 6 8)
408,756
Share Certificates
118
Number of Accounts for Share Drafts
1,246
Number of Accounts for Regular Shares
1,685
All other shares
373
Non Member Deposits
3
Money Market Shares
49
Net Income (unless the amount is already included in Undivided Earnings)
-22,947
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,376,364
Total Liabilities
26,824,865
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Beacon Financial Credit UnionIs Beacon Financial Credit Union a safe place to deposit money?Yes, Beacon Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 3.4973476921018%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Beacon Financial Credit Union operate?Beacon Financial 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 Financial Credit Union?Yes, to access services at Beacon Financial 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 Financial 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 Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Beacon Financial Credit Union offer online and mobile banking?Most modern institutions like Beacon Financial 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.beaconfcu.org. Current Beacon Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Maternity BVM Credit Union
Cha-Tel Federal Credit Union
Rochester Area State Employees Federal Credit Union
Teamsters Credit Union
CCMH Federal Credit Union
Vanderbilt Credit Union
Salem VA Medical Center Federal Credit Union
Massachusetts Family Federal Credit Union
School District 3 Federal Credit Union
KC Unidos Federal Credit Union
Arize Federal Credit Union
STOUGHTON TOWN EMPLOYEES
NORTHWOOD
New Jersey Law And Public Safety Credit Union
WISE CU
Hello Credit Union
Expedition Credit Union
Alpha Credit Union
UP Arkansas Federal Credit Union
Rivertrust Federal Credit Union
Beverly Hills City Employees Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
