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Beginnings Credit Union

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Beginnings Credit Union Rates & Review November 2026

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

Current rates for Beginnings Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.40%, Savings: 1.75%

Q: What CD terms does Beginnings Credit Union offer?

Beginnings Credit Union CD rates are 3.75% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.40% 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 Beginnings Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Beginnings Credit Union's 12 Month CD rates are at 3.75%, 24 Month CD rates are at 3.75%, 6 Month CD rates are at 3.75%, 36 Month CD rates are at 3.60%, 48 Month CD rates are at 3.60%. Beginnings Credit Union's savings rates are at 1.75%. Beginnings Credit Union's checking rates are as high as 4.00%. Beginnings Credit Union's Residential Mortgage - 15 Year Fixed rates are at 6.64%, Residential Mortgage - 7/1 ARM rates are at 5.88%, Residential Mortgage - 30 Year Fixed rates are at 7.12%. Beginnings Credit Union's Personal Loan Rates are as low as 5.25%. Beginnings Credit Union's Credit Card Rates are at 11.99%. Beginnings Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Beginnings Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.32%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Beginnings Credit Union
1030 Craft Road

1030 Craft Rd
Ithaca, NY 14850

https://www.beginnings.com/

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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.

Beginnings Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	3.75%	12 Month Plus
Min Deposit $100,000 Details Certificates with $100,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Certificate	-	3.75%	24 Month Plus
Min Deposit $100,000 Details Certificates with $100,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Certificate	-	3.75%	6 Month Plus
Min Deposit $100,000 Details Certificates with $100,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Certificate	-	3.60%	12 Month Plus
Min Deposit $25,000 Details Certificates with $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Certificate	-	3.60%	24 Month Plus
Min Deposit $25,000 Details Certificates with $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Certificate	-	3.60%	36 Month Plus
Min Deposit $100,000 Details Certificates with $100,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Certificate	-	3.60%	48 Month Plus
Min Deposit $100,000 Details Certificates with $100,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Certificate	-	3.60%	6 Month Plus
Min Deposit $25,000 Details Certificates with $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	-	3.60%	60 Month
Min Deposit $100,000 Details Certificates with $100,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Sep 18, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Certificate	-	3.50%	12 Month Plus
Min Deposit $500 Details Certificates with $500 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Lucky Savers Certificate	-	3.50%	12 month
Min Deposit $25 Details APY is fixed for the initial term; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Certificate	-	3.50%	24 Month Plus
Min Deposit $500 Details Certificates with $500 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Certificate	-	3.50%	36 Month Plus
Min Deposit $25,000 Details Certificates with $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Certificate	-	3.50%	48 Month Plus
Min Deposit $25,000 Details Certificates with $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Certificate	-	3.50%	6 Month Plus
Min Deposit $500 Details Certificates with $500 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	-	3.50%	60 Month
Min Deposit $25,000 Details Certificates with $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Certificate	-	3.40%	36 Month Plus
Min Deposit $500 Details Certificates with $500 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Certificate	-	3.40%	48 Month Plus
Min Deposit $500 Details Certificates with $500 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	-	3.40%	60 Month
Min Deposit $500 Details Certificates with $500 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Certificate	-	3.25%	3 Month Plus
Min Deposit $100,000 Details Certificates with $100,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Certificate	-	3.10%	3 Month Plus
Min Deposit $25,000 Details Certificates with $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Certificate	-	3.00%	3 Month Plus
Min Deposit $500 Details Certificates with $500 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Savings Rates

Product	Rate	APY
IRA Savings	-	1.75%
Min Balance $100 Details Balance: Minimum $100 to earn APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.60%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.40%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Round Up Savings	-	0.05%
No additional details. 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: 3.32%

Beginnings Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	-	0.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.60%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.40%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	-	4.00%
Min Deposit $25 Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; No monthly fee Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Rewards Checking	-	0.03%
Min Balance $1,000 Details Minimum $1,000 to earn APY Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 0.03% ▼ 3.97 pts · high 4.00% / low 0.03% Sep 18, 20260.03%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Business Checking Rates

Product	Rate	APY
Business Rewards Checking	-	0.12%
Min Balance $100,000 Details Balance: $100,000 and over; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Rewards Checking	-	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Rewards Checking	-	0.08%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Rewards Checking	-	0.05%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Checking	-	0.02%
Min Balance $1,000 Details Balance: Minimum $1,000 to earn APY; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Residential Mortgage - 15 Year Fixed	6.638%	-	6.663%	15 years
Details Monthly P&I per $1,000: $8.78; APR as low as; APR based on $100,000 loan amount at 80% loan to value; Rates effective as of 10/20/2026 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 6.76% → 6.66% ▼ 0.10 pts · high 6.76% / low 6.66% Oct 30, 20266.66%▼ from 6.66% Oct 26, 20266.66%▼ from 6.76% Oct 10, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Residential Mortgage - 7/1 ARM	5.875%	-	6.965%
Details Monthly P&I per $1,000: $5.92; APR as low as; APR based on $100,000 loan amount at 80% loan to value; ARM (Adjustable Rate Mortgage); Rates effective as of 10/20/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.97% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Residential Mortgage - 30 Year Fixed	7.125%	-	7.146%	30 years
Details Monthly P&I per $1,000: $6.74; APR as low as; APR based on $100,000 loan amount at 80% loan to value; Rates effective as of 10/20/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 7.40% → 7.15% ▼ 0.25 pts · high 7.40% / low 7.15% Oct 26, 20267.15%▼ from 7.40% Oct 10, 20267.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Solar Home Equity Loan	-	-	5.25%	60 months
Details As Low As; Rates effective as of 9/23/2025; Green Energy Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Loan	-	-	5.75%	60 months
Details As Low As; Payment per $1,000: $19.22 at 60 months; Rate determined by credit score, term of loan, and oil/gas lease situation; $5,000 - $200-000 loan amount; No Closing Cost options are available Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 5.75% ▼ 0.00 pts · high 5.75% / low 5.25% Oct 10, 20265.75%▲ from 5.25% Sep 18, 20265.25%▼ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	-	-	5.75%	120 months
Details As Low As; Rates effective as of 9/23/2025; Green Energy Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Loan	-	-	6.25%	120 months
Details As Low As; Payment per $1,000: $11.23 at 120 months; Rate determined by credit score, term of loan, and oil/gas lease situation; $5,000 - $200-000 loan amount; No Closing Cost options are available Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 6.25% / low 5.75% Oct 10, 20266.25%▲ from 5.75% Sep 18, 20265.75%▼ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	-	-	6.25%	180 months
Details As Low As; Rates effective as of 9/23/2025; Green Energy Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Loan	-	-	6.75%	180 months
Details As Low As; Payment per $1,000: $8.85 at 180 months; Rate determined by credit score, term of loan, and oil/gas lease situation; $5,000 - $200-000 loan amount; No Closing Cost options are available Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 6.75% / low 6.25% Oct 10, 20266.75%▲ from 6.25% Sep 18, 20266.25%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
HELOC	-	-	7.00%
Details As Low As; Variable rate; Draw Period: 15 years; Loan amount $15,000 - $150,000; Maximum APR 16.00% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	-	-	7.25%	240 months
Details As Low As; Rates effective as of 9/23/2025; Green Energy Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
HELOC Choice	-	-	7.50%
Details As Low As; Variable rate; Draw Period: 15 years; Loan amount $15,000 - $150,000; Maximum APR 16.00% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Loan	-	-	7.75%	240 months
Details As Low As; Payment per $1,000: $8.21 at 240 months; Rate determined by credit score, term of loan, and oil/gas lease situation; $5,000 - $200-000 loan amount; No Closing Cost options are available Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 7.75% ▼ 0.00 pts · high 7.75% / low 7.25% Oct 10, 20267.75%▲ from 7.25% Sep 18, 20267.25%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto/Motorcycle Loan - Newer Vehicles (2023 - 2026)	-	-	5.00%
Details As Low As; Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Auto/Motorcycle Loan - Used Vehicles (2019 - 2022)	-	-	5.75%
Details As Low As; Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Payment Saver Loan - Newer Vehicles (2023 - 2026)	-	-	5.75%
Details As Low As; Rate determined by credit score, term of loan, and model year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Payment Saver Loan - Used Vehicles (2021 - 2022)	-	-	6.50%
Details As Low As; Rate determined by credit score, term of loan, and model year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Auto/Motorcycle Loan - Used Vehicles (2015 - 2018)	-	-	8.00%
Details As Low As; Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat/Marine Loan - Boat (2020- Newer)	-	6.75%
Details As Low As; Model Year: 2020-Newer; Rate determined by credit score, term of loan, and model year of collateral Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Recreational Loan - ATV/Snowmobile/Dirt Bike/Lawn Tractor/Camper/Motor Home/etc (2023-2026)	-	6.75%
Details As Low As; Model Year: 2023-2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boat/Marine Loan - Boat (2015-2019)	-	7.75%
Details As Low As; Model Year: 2015-2019; Rate determined by credit score, term of loan, and model year of collateral Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Recreational Loan - ATV/Snowmobile/Dirt Bike/Lawn Tractor/Camper/Motor Home/etc (2016-2022)	-	8.50%
Details As Low As; Model Year: 2016-2022 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Credit Card Rates

Product	Rate	APR
Credit Card - Rewards Elite	-	11.99%
Details As Low As; APR for Purchases; Actual APR based on creditworthiness and varies with Prime Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Credit Card - Business Rewards	-	12.15%
Details As Low As; APR for Purchases; Actual APR based on creditworthiness and varies with Prime Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 12.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Credit Card - Rewards	-	13.49%
Details As Low As; APR for Purchases; Actual APR based on creditworthiness and varies with Prime Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 13.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Credit Card - Business	-	13.65%
Details As Low As; APR for Purchases; Actual APR based on creditworthiness and varies with Prime Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 13.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Credit Card - Classic	-	14.40%
Details As Low As; APR for Purchases; Actual APR based on creditworthiness and varies with Prime Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 14.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Credit Card - Secured	-	17.00%
Details As Low As; APR for Purchases; Actual APR based on creditworthiness and varies with Prime Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 17.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Personal Loan Rates

Product	APR	Term
Solar Home Equity Loan	5.25%	60 months
Details As Low As; Rates effective as of 9/23/2025; Green Energy Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	5.75%	120 months
Details As Low As; Rates effective as of 9/23/2025; Green Energy Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	6.25%	180 months
Details As Low As; Rates effective as of 9/23/2025; Green Energy Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan	6.99%	12 month
Details As Low As; Rate quoted for a 12 month term; actual rate determined by credit score and term Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	7.25%	240 months
Details As Low As; Rates effective as of 9/23/2025; Green Energy Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	7.50%	36 months
Details As Low As; Unsecured from $5,000-$50,000; Rates effective as of 9/23/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	8.00%	48 months
Details As Low As; Unsecured from $5,000-$50,000; Rates effective as of 9/23/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	8.25%	60 months
Details As Low As; Unsecured from $5,000-$50,000; Rates effective as of 9/23/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	8.50%	84 months
Details As Low As; Unsecured from $5,000-$50,000; Rates effective as of 9/23/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	9.50%	120 months
Details As Low As; Unsecured from $5,000-$50,000; Rates effective as of 9/23/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

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

Beginnings Credit Union’s Texas Ratio fell from 6.20% in Q3 2023 to 3.32% 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 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.5B	3.32%	5.0	A+
March 31, 2026	$1.5B	2.95%	5.0	A+
December 31, 2025	$1.5B	4.80%	5.0	A+
September 30, 2025	$1.5B	4.71%	5.0	A+
June 30, 2025	$1.4B	5.03%	5.0	A+
March 31, 2025	$1.5B	4.16%	5.0	A+
December 31, 2024	$1.4B	5.96%	5.0	A+
September 30, 2024	$1.4B	5.17%	5.0	A+
June 30, 2024	$1.4B	6.30%	5.0	A
March 31, 2024	$1.4B	4.37%	5.0	A+
December 31, 2023	$1.5B	6.28%	5.0	A
September 30, 2023	$1.4B	6.20%	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 Beginnings 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 Beginnings 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 Beginnings Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Beginnings Credit Union

Website https://www.beginnings.com/

Address 1030 Craft Rd, Ithaca, NY 14850

Phone 607-257-8500

Fax 607-257-8217

President Blixy Taetzsch

CEO Lisa Whitaker

Full-Time Employees 231

Part-Time Employees 0

Branch Locations 15

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.32%

Return on Assets (ROA)

0.3632%

Return on Equity (ROE)

2.5925%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

1,538,769,700

Total Amount of Shares and Deposits

1,305,279,550

Total Shares and Deposits < 1 Year

1,237,640,333

Total Shares and Deposits 1 3 Years

55,400,061

Total Shares and Deposits > 3 Years

12,239,155

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

120,085,589

Total Uninsured Shares and Deposits > $250K (F+J)

120,085,589

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,185,193,961

Total Interest Expense (Sum of items 6 8)

7,800,095

Share Certificates

10,741

Number of Accounts for Share Drafts

41,286

IRA KEOGH Accounts

2,124

Number of Accounts for Regular Shares

92,336

Money Market Shares

2,623

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)

161,321,498

Total Liabilities

1,332,809,348

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Beginnings 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Beginnings Credit Union

Does Beginnings Credit Union offer CDs?

Yes. Beginnings Credit Union current CD rates include its 12 Month CD at 3.75% APY, its 24 Month CD at 3.75% APY and its 6 Month CD at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Beginnings Credit Union NCUA insured?

Yes. Beginnings Credit Union 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 Beginnings Credit Union?

The highest Beginnings Credit Union CD rate is its 12 Month CD at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Beginnings Credit Union offer?

Beginnings Credit Union CD rates are 3.75% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.40% 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 Beginnings Credit Union for its full lineup.

What is the highest savings rate at Beginnings Credit Union?

The highest Beginnings Credit Union savings rate is its IRA Savings at 1.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Beginnings Credit Union?

The highest Beginnings Credit Union money market rate is its Money Market Savings at 0.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Beginnings Credit Union?

The highest Beginnings Credit Union checking rate is its High Yield Checking at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

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

The lowest Beginnings Credit Union 30 year fixed mortgage rate is its Residential Mortgage - 30 Year Fixed at 7.125%, verified by MonitorBankRates as of October 30, 2026. Beginnings Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.638% for a 15 year mortgage and 5.875% for a 7/1 ARM.

What is the lowest home equity rate at Beginnings Credit Union?

The lowest Beginnings Credit Union home equity rate is its Solar Home Equity Loan at 5.25% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Beginnings Credit Union?

The lowest Beginnings Credit Union auto loan rate is its Auto/Motorcycle Loan - Newer Vehicles (2023 - 2026) at 5.00% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Beginnings Credit Union?

The lowest Beginnings Credit Union personal loan rate is its Personal Loan at 6.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Beginnings Credit Union?

The lowest Beginnings Credit Union credit card APR is its Credit Card - Rewards Elite at 11.99% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Beginnings Credit Union operate?

Beginnings 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 Beginnings Credit Union?

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

Does Beginnings Credit Union offer online and mobile banking?

Most modern institutions like Beginnings 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.beginnings.com/.

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 Beginnings Credit Union rates compare?

Beginnings Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. Beginnings Credit Union's top rates are its 12 Month CD at 3.75% APY, its IRA Savings at 1.75% APY, its High Yield Checking at 4.00% APY, its Residential Mortgage - 7/1 ARM at 5.875%, its Solar Home Equity Loan at 5.25% APR and its Credit Card - Rewards Elite at 11.99% APR, verified by MonitorBankRates on October 30, 2026.

Current Beginnings Credit Union Rates

12-Month CD3.50%
24-Month CD3.50%
60-Month CD3.40%
Savings1.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Beginnings Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Beginnings Credit Union Texas Ratio

Beginnings Credit Union Health Trend

Beginnings Credit Union CD Rates

Beginnings Credit Union Savings Rates

Beginnings Credit Union Money Market Rates

Beginnings Credit Union Checking Rates

Beginnings Credit Union Business Checking Rates

Beginnings Credit Union Mortgage Rates

Beginnings Credit Union Home Equity & HELOC

Beginnings Credit Union Auto Loan Rates

Beginnings Credit Union RV, Boat and Powersport Loan Rates

Beginnings Credit Union Credit Card Rates

Beginnings Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Beginnings Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Beginnings Credit Union

Does Beginnings Credit Union offer CDs?

Are CDs from Beginnings Credit Union NCUA insured?

What is the highest CD rate at Beginnings Credit Union?

What CD terms does Beginnings Credit Union offer?

What is the highest savings rate at Beginnings Credit Union?

What is the highest money market rate at Beginnings Credit Union?

What is the highest checking rate at Beginnings Credit Union?

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

What is the lowest home equity rate at Beginnings Credit Union?

What is the lowest auto loan rate at Beginnings Credit Union?

What is the lowest personal loan rate at Beginnings Credit Union?

What is the lowest credit card APR at Beginnings Credit Union?

How many branches does Beginnings Credit Union operate?

Is a member application needed to join Beginnings Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Beginnings Credit Union 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 Beginnings Credit Union rates compare?

Current Beginnings Credit Union Rates

Compare to Other Credit Unions