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 October 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: October 13, 2026

Beach Municipal Federal Credit Union's top rates as of October 13, 2026 are 5.00% APY on its 60 Month Youth CD, 0.05% APY on checking, personal loans from 8.95% APR, and credit cards from 8.74% APR, according to rates verified by MonitorBankRates. Other Beach Municipal Federal Credit Union CD rates include 12 Month CD at 3.82%, 18 Month CD at 3.82%, and 12 Month IRA CD at 3.75%. 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 2.63%. Rates last updated and verified on 10/13/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.63%

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

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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.

Beach Municipal Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Youth Share Certificate	4.91%	5.00%	60 months
Details Available Options: $50 and $100 only; Exclusively for Long John Saver & Pipeline members; Part of Long John Saver Kids Club & Pipeline for Teens; Maximum $1,000 in Youth Share Certificates at any one time; Effective Date: June 29, 2023 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
12 Month Share Certificate	3.77%	3.82%	12 months
Min Balance $10,000 Details Balance: $10,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
18 Month Share Certificate	3.77%	3.82%	18 months
Min Balance $10,000 Details Balance: $10,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
12 Month IRA Share Certificate	3.75%	3.75%	12 months
Min Deposit $2,500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
60 Month Share Certificate	3.48%	3.53%	60 months
Min Balance $500 Details Balance: $500.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.53% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
30 Month Share Certificate	3.40%	3.44%	30 months
Min Balance $10,000 Details Balance: $10,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.44% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
24 Month Share Certificate	3.35%	3.39%	24 months
Min Balance $10,000 Details Balance: $10,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.39% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
30 Month Share Certificate	2.53%	2.55%	30 months
Min Balance $1,000 Details Balance: $1,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 2.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
18 Month Share Certificate	2.38%	2.40%	18 months
Min Balance $1,000 Details Balance: $1,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 2.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
12 Month Share Certificate	2.16%	2.18%	12 months
Min Balance $1,000 Details Balance: $1,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 2.18% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
12 Month IRA Share Certificate	1.76%	1.76%	12 months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
6 Month Share Certificate	1.55%	1.55%	6 months
Min Balance $10,000 Details Balance: $10,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
6 Month Share Certificate	1.32%	1.32%	6 months
Min Balance $1,000 Details Balance: $1,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.32% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
30 Month Share Certificate	1.24%	1.25%	30 months
Min Balance $500 Details Balance: $500.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
12 Month Share Certificate	1.07%	1.07%	12 months
Min Balance $500 Details Balance: $500.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
6 Month Share Certificate	0.83%	0.83%	6 months
Min Balance $500 Details Balance: $500.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.83% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
91 Day Share Certificate	0.80%	0.80%	91 days
Min Balance $1,000 Details Balance: $1,000.00 minimum; Effective Date: January 27, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

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; Minimum Balance to Avoid Service Fees: $0.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

Beach Municipal Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC	-	-	6.75%
Details Published APR range: 6.75% - 11.75%. Loan To Value: Up to 90%; Owner-occupied property only; Variable rate based on prime plus margin, subject to change quarterly; Maximum APR 18.00%; Minimum APR floor 4.00%; Credit Union pays all closing costs except appraisal fee Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

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%. APR varies according to loan term and loan amount; relationship discounts may apply with a floor rate of 2.75% APR (floor does not apply to Certificate or Share Secured loans) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Recreation Vehicles: New & Used Boats, RV's & Travel Trailers Loan	-	-	6.25%
Details Published APR range: 6.25% - 17.99%. APR varies according to loan term and loan amount; relationship discounts may apply with a floor rate of 2.75% APR (floor does not apply to Certificate or Share Secured loans) Last Updated 10/13/2026 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: 2.63%

Beach Municipal Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.74%
Details Loan Amount: $5,000 - $20,000; Annual Percentage Rate for Cash Advances, Balance Transfers and Purchases; *Variable APR is based on the index of prime plus margin. Prime as of 12.11.25 = 6.75%. Rate is subject to change quarterly. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Mastercard Gold	-	12.99%
Details Loan Amount: $2,500 - $15,000; Annual Percentage Rate for Cash Advances, Balance Transfers and Purchases Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

Beach Municipal Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Personal Loans	8.95%
Details Published APR range: 8.95% - 17.95%. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

Beach Municipal Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit Loans	-	-	8.95%
Details Published APR range: 8.95% - 17.95%. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Me Too Share Certificate	1.34%	-	1.35%
Min Deposit $50 Details Term listed as 'See disclosure'; Part of our All About Me & Long John Saver Kids Club; Certificates mature when the child turns 18 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

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 2.99% in Q3 2023 to 2.63% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$195M	2.63%	5.0	A+
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+

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 34

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+ (99/100)

Texas Ratio

2.63%

Return on Assets (ROA)

0.7996%

Return on Equity (ROE)

5.6571%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

194,690,964

Total Amount of Shares and Deposits

167,639,208

Total Shares and Deposits < 1 Year

163,064,244

Total Shares and Deposits 1 3 Years

3,610,918

Total Shares and Deposits > 3 Years

964,046

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

17,899,166

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

17,899,166

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

149,740,042

Total Interest Expense (Sum of items 6 8)

1,004,278

Share Certificates

953

Number of Accounts for Share Drafts

6,085

IRA KEOGH Accounts

354

Number of Accounts for Regular Shares

10,351

Money Market Shares

1,115

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)

31,831,426

Total Liabilities

168,252,628

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Beach Municipal Federal Credit Union earned the Verified Healthy badge

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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 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.

Current Beach Municipal Federal Credit Union Rates

12-Month CD1.07%
18-Month CD2.40%
24-Month CD3.39%
60-Month CD3.53%

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

Compare to Other Credit Unions

Beach Municipal Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Beach Municipal Federal Credit Union Texas Ratio

Beach Municipal Federal Credit Union Health Trend

Beach Municipal Federal Credit Union CD Rates

Beach Municipal Federal Credit Union Checking Rates

Beach Municipal Federal Credit Union Home Equity & HELOC

Beach Municipal Federal Credit Union Auto Loan Rates

Beach Municipal Federal Credit Union Credit Card Rates

Beach Municipal Federal Credit Union Personal Loan Rates

Beach Municipal Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Beach Municipal Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Beach Municipal Federal Credit Union

How many branches does Beach Municipal Federal Credit Union operate?

Is a member application needed to join Beach Municipal Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current Beach Municipal Federal Credit Union Rates

Compare to Other Credit Unions