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 Beacon Credit Union Incorporated Rates & Review September 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.
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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 22, 2026
Beacon Credit Union Incorporated's Limited Time Special - 6 month rates are at 4.25%, 12 Month CD rates are at 3.92%, 24 Month CD rates are at 3.40%, 36 Month CD rates are at 3.31%, 48 Month CD rates are at 3.31%. Beacon Credit Union Incorporated's savings rates are at 0.10%. Beacon Credit Union Incorporated's money market rates are at 0.01%. Beacon Credit Union Incorporated's Mortgage Loans - 5/1 ARM - 30 Year Fixed Purchase rates are at 4.99%, Mortgage Loans - 5/1 ARM - 30 Year Fixed Refinance rates are at 6.51%, Mortgage Loans - 7/1 ARM - 30 Year Fixed Purchase rates are at 5.88%, Mortgage Loans - 7/1 ARM - 30 Year Fixed Refinance rates are at 5.88%, 15 Year Fixed Purchase rates are at 6.50%. Beacon Credit Union Incorporated's Personal Loan Rates are as low as 17.75%. MonitorBankRates evaluates the financial stability of Beacon Credit Union Incorporated with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.29%. Rates last updated and verified on 09/22/2026. Beacon Credit Union Incorporated 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 Credit Union Incorporated? Share your experience about Beacon Credit Union Incorporated by leaving a review below, or read customer reviews before you decide to use Beacon Credit Union Incorporated. Beacon Credit Union Incorporated
Corporate Office 107 Leroy Bowen Dr
https://www.mybcu.org Lynchburg, VA 24502 
Beacon Credit Union Incorporated CD Rates
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Beacon Credit Union Incorporated Home Equity & HELOC
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Financial Health HistoryBeacon Credit Union Incorporated’s Texas Ratio fell from 2.25% in Q2 2023 to 1.29% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Beacon Credit Union Incorporated 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 Credit Union Incorporated 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 Credit Union Incorporated's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Beacon Credit Union Incorporated
Website
https://www.mybcu.org
Address
107 Leroy Bowen Dr,
Lynchburg, VA 24502
Phone
434-237-1566
Fax
434-237-1544
President
Wendy Ayers
CEO
Greg McConville
Full-Time Employees
90
Part-Time Employees
5
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.29%
Return on Assets (ROA)
0.1794%
Return on Equity (ROE)
1.6269%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
378,244,954
Total Amount of Shares and Deposits
330,076,871
Total Shares and Deposits < 1 Year
328,952,873
Total Shares and Deposits 1 3 Years
421,967
Total Shares and Deposits > 3 Years
702,031
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,564,218
Total Uninsured Shares and Deposits > $250K (F+J)
8,564,218
Total Insured Shares and Deposits > $250K (item 17 less item K)
321,512,653
Total Interest Expense (Sum of items 6 8)
1,406,657
Share Certificates
1,075
Number of Accounts for Share Drafts
17,373
IRA KEOGH Accounts
366
Number of Accounts for Regular Shares
34,149
Non Member Deposits
9
Money Market Shares
2,158
Net Income (unless the amount is already included in Undivided Earnings)
678,643
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)
18,278,918
Total Liabilities
336,529,975
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Beacon Credit Union IncorporatedHow many branches does Beacon Credit Union Incorporated operate?Beacon Credit Union Incorporated 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 Credit Union Incorporated?Yes, to access services at Beacon Credit Union Incorporated, 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 Credit Union Incorporated 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 Credit Union Incorporated provides members with tools to manage their accounts and build a solid financial history. Does Beacon Credit Union Incorporated offer online and mobile banking?Most modern institutions like Beacon Credit Union Incorporated 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.mybcu.org. Current Beacon Credit Union Incorporated Rates
Retrieved from our database of financial products. Rates subject to change.
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