What are the current interest rates at Beach Municipal Federal Credit Union?

Current rates for Beach Municipal Federal Credit Union include: 12-Month CD: 1.07%, 18-Month CD: 2.40%, 24-Month CD: 3.39%, 60-Month CD: 3.53%

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Beach Municipal Federal Credit Union

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Beach Municipal Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Beach Municipal Federal 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: September 21, 2026

Beach Municipal Federal Credit Union's 60 Month Youth CD Rate rates are at 5.00%, 12 Month CD rates are at 3.82%, 18 Month CD rates are at 3.82%, 12 Month IRA CD rates are at 3.75%, 60 Month CD rates are at 3.53%. Beach Municipal Federal Credit Union's Auto Loan Rates are as low as 3.25%. Beach Municipal Federal Credit Union's Credit Card Rates are at 8.74%. MonitorBankRates evaluates the financial stability of Beach Municipal Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.47%. Rates last updated and verified on 09/21/2026.

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

3.47%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Beach Municipal Federal Credit Union
Thalia

4164 Virginia Beach Blvd
Virginia Beach, VA 23452

https://www.beachmunicipal.org

Beach Municipal Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Youth Share Certificate Rate	4.91%	5.00%	60 months
Min Deposit $50 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Share Certificate	3.77%	3.82%	12 months
Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
18 Month Share Certificate	3.77%	3.82%	18 months
Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month IRA Share Certificate	3.75%	3.75%	12 months
Min Deposit $2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
60 Month Share Certificate	3.48%	3.53%	60 months
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
30 Month Share Certificate	3.40%	3.44%	30 months
Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
24 Month Share Certificate	3.35%	3.39%	24 months
Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
30 Month Share Certificate	2.53%	2.55%	30 months
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
18 Month Share Certificate	2.38%	2.40%	18 months
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Share Certificate	2.16%	2.18%	12 months
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month IRA Share Certificate	1.76%	1.76%	12 months
Min Deposit $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Share Certificate	1.55%	1.55%	6 months
Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Share Certificate	1.32%	1.32%	6 months
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
30 Month Share Certificate	1.24%	1.25%	30 months
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Share Certificate	1.07%	1.07%	12 months
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Share Certificate	0.83%	0.83%	6 months
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
91 Day Share Certificate	0.80%	0.80%	91 days
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Beach Municipal Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	0.05%	0.05%
Min Deposit $0 Min Balance $500 Details Balance Method: Daily Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Beach Municipal Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Vehicles: New, Used & Classic Loan	-	-	3.25%
Details Published APR range: 3.25% - 17.99%. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Recreation Vehicles: New & Used Boats, RV's & Travel Trailers Loan	-	-	6.25%
Details Published APR range: 6.25% - 17.99%. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Beach Municipal Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.74%
Details Loan Amount: $5,000 - $20,000; Variable Annual Percentage Rate (APR) is based on the index of prime plus margin. Prime as of 12.11.25 = 6.75%. Rate is subject to change quarterly. Rates are accurate as of the effective date above. Rates are subject to change without notice. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Mastercard Gold	-	12.99%
Details Loan Amount: $2,500 - $15,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Take Charge Secured Mastercard	-	15.24%
Details Loan Amount: $250-$1,000 based on amount of secured funds Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Beach Municipal Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit Loans	-	-	8.95%
Details Published APR range: 8.95% - 17.95%. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Second Mortgage Payment Examples	6.75%	-	6.75%	120 months
Details up to 80% LTV with a base loan amount of $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Second Mortgage Payment Examples	7.50%	-	7.50%	180 months
Details up to 80% LTV with a base loan amount of $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Second Mortgage Payment Examples	7.25%	-	7.25%	120 months
Details up to 90% LTV with a base loan amount of $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Second Mortgage Payment Examples	8.00%	-	8.00%	180 months
Details up to 90% LTV with a base loan amount of $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Share Secured Loan	-	-	8.95%
Details Published APR range: 8.95% - 17.95%. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Me Too Share Certificate Rate	1.34%	-	1.35%
Min Deposit $50 Details Early withdrawal penalties may apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

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

Beach Municipal Federal Credit Union’s Texas Ratio stayed near 3.60% in Q2 2023 to 3.47% 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.

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
March 31, 2026	$195M	3.47%	5.0	A+
December 31, 2025	$188M	3.48%	5.0	A+
September 30, 2025	$184M	3.29%	5.0	A+
June 30, 2025	$179M	3.07%	5.0	A+
March 31, 2025	$176M	2.60%	5.0	A+
December 31, 2024	$167M	2.40%	5.0	A+
September 30, 2024	$166M	2.59%	5.0	A+
June 30, 2024	$164M	2.40%	5.0	A+
March 31, 2024	$167M	3.85%	5.0	A+
December 31, 2023	$163M	2.47%	5.0	A+
September 30, 2023	$167M	2.99%	5.0	A+
June 30, 2023	$166M	3.60%	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 Beach Municipal 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 Beach Municipal 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 Beach Municipal Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Beach Municipal Federal Credit Union

Website https://www.beachmunicipal.org

Address 4164 Virginia Beach Blvd, Virginia Beach, VA 23452

Phone 757-333-7787

Fax 757-395-4794

President Nianza Wallace

CEO Geri Metzger

Full-Time Employees 35

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

3.47%

Return on Assets (ROA)

0.3895%

Return on Equity (ROE)

2.8373%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

194,648,755

Total Amount of Shares and Deposits

168,491,776

Total Shares and Deposits < 1 Year

163,722,848

Total Shares and Deposits 1 3 Years

3,579,168

Total Shares and Deposits > 3 Years

1,189,760

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

17,779,247

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

17,779,247

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

150,712,529

Total Interest Expense (Sum of items 6 8)

494,561

Share Certificates

937

Number of Accounts for Share Drafts

6,081

IRA KEOGH Accounts

353

Number of Accounts for Regular Shares

10,352

Money Market Shares

1,110

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)

31,668,482

Total Liabilities

169,039,976

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Beach Municipal Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Beach Municipal Federal Credit Union

How many branches does Beach Municipal Federal Credit Union operate?

Beach Municipal 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 Beach Municipal Federal Credit Union?

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

Does Beach Municipal Federal Credit Union offer online and mobile banking?

Most modern institutions like Beach Municipal 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.beachmunicipal.org.