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Beacon Credit Union Incorporated

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Beacon Credit Union Incorporated Rates & Review July 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 4, 2026

You can compare Beacon Credit Union Incorporated rates to other rates in our database, including 12-month share certificate rates currently at 3.55%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 2.65%. Savings rates are at 0.15% and money market rates are at 1.51%. Mortgage rates on 30-year fixed loans are around 5.66%. All these rates can be compared to Beacon Credit Union Incorporated rates. 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 1.82%. Rates were last updated on 07/04/2026.

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.

Verified Strong 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

1.82%

Excellent Lower than avg

Beacon Credit Union Incorporated
Corporate Office

107 Leroy Bowen Dr
Lynchburg, VA 24502

https://www.mybcu.org

Current Rate Availability

We do not have Beacon Credit Union Incorporated rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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 Philip Hynes

CEO Greg McConville

Full-Time Employees 87

Part-Time Employees 5

Branch Locations 10

ATM Locations 10

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

1.82%

Return on Assets (ROA)

1.1540%

Return on Equity (ROE)

10.1996%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

346,574,294

Total Amount of Shares and Deposits

301,104,720

Total Shares and Deposits < 1 Year

300,074,855

Total Shares and Deposits 1 3 Years

304,093

Total Shares and Deposits > 3 Years

725,772

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

9,170,813

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

9,170,813

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

291,933,907

Total Interest Expense (Sum of items 6 8)

3,717,157

Share Certificates

1,148

Number of Accounts for Share Drafts

16,896

IRA KEOGH Accounts

379

Number of Accounts for Regular Shares

33,917

Non Member Deposits

Money Market Shares

2,116

Net Income (unless the amount is already included in Undivided Earnings)

3,999,492

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

19,596,451

Total Liabilities

307,362,013

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Beacon Credit Union Incorporated earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Beacon Credit Union Incorporated

How 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.