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Beacon Federal Credit Union

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Beacon Federal Credit Union Rates & Review August 2026

Q: Is a member application needed to join Beacon Federal Credit Union?

Yes, to access services at Beacon 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Beacon 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: August 28, 2026

Beacon Federal Credit Union's Personal Loan Rates are at 3.39%. MonitorBankRates evaluates the financial stability of Beacon Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.27%. Rates last updated and verified on 08/28/2026.

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

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

2.27%

Excellent Lower than avg

Beacon Federal Credit Union
Main Office

2901 Sens Rd
La Porte, TX 77571

https://www.beaconfed.org

Beacon Federal Credit Union Savings Rates

Product	Rate	APY
Club de Navidad	0.05%	0.05%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Club de Vcaciones	0.05%	0.05%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Cheque Club	0.00%	0.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Beacon Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto	-	-	3.39%	65 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New & Used Auto	-	-	9.50%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Beacon Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Tarjeta Beacon Blue Platinum MasterCard	-	11.55%
Details Cuenta de tasa variable. Su tasa sera? determinada por su puntaje de cre?dito. La TAE variable variara? con el mercado en funcio?n del tipo de intere?s preferente y no superara? el 18,00%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Beacon 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 Beacon 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 Beacon Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Beacon Federal Credit Union

Website https://www.beaconfed.org

Address 2901 Sens Rd, La Porte, TX 77571

Phone 281-471-1782

Fax 281-470-9287

President Eileen Hall

CEO Jack McAdoo

Full-Time Employees 44

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

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

2.27%

Return on Assets (ROA)

0.5930%

Return on Equity (ROE)

6.7670%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

199,910,937

Total Amount of Shares and Deposits

182,710,324

Total Shares and Deposits < 1 Year

176,728,388

Total Shares and Deposits 1 3 Years

4,387,005

Total Shares and Deposits > 3 Years

1,594,931

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

5,397,139

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

5,397,139

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

177,313,185

Total Interest Expense (Sum of items 6 8)

1,284,000

Share Certificates

823

Number of Accounts for Share Drafts

8,592

IRA KEOGH Accounts

504

Number of Accounts for Regular Shares

15,202

Money Market Shares

299

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)

15,799,509

Total Liabilities

184,092,620

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Beacon Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Beacon Federal Credit Union

How many branches does Beacon Federal Credit Union operate?

Beacon 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 Beacon Federal Credit Union?

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

Does Beacon Federal Credit Union offer online and mobile banking?

Most modern institutions like Beacon 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.beaconfed.org.