Beacon Financial Credit Union Rates and Review January 2026
Compare Beacon Financial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Beacon Financial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityBeacon Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Beacon Financial Credit Union? Share your experience about Beacon Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Beacon Financial Credit Union. Overall, Beacon Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Beacon Financial Credit Union Beacon Financial Credit Union 400 N State of Franklin Rd Johnson City, TN 37604  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonEveryday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
Security Service Power Rewards MasterCard
18.000%
Member Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonConsolidation Loans
13.060%
$0
1 - 36
Personal Loan
10.890%
$0
60
Personal Loan
9.200% - 17.950%
$0 - $100
12 - 24
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Beacon Financial Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Beacon Financial Credit Union
Website: https://www.beaconfcu.org
Full Time Employees: 10Part Time Employees: 0 President: Shana Tate CEO: John Michael Nelms Branch Locations: 3 ATM Locations: 3 Corporate Office Address:
400 N State of Franklin Rd
Johnson City, TN 37604 Phone Number: 423-431-6361 Fax Number: FinancialsTotal Assets:
28,942,315
Total Amount of Shares and Deposits:
27,024,052
Total Shares and Deposits < 1 Year:
26,322,430
Total Shares and Deposits 1 3 Years:
63,505
Total Shares and Deposits > 3 Years:
638,117
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
899,145
Total Uninsured Shares and Deposits > $250K (F+J):
899,145
Total Insured Shares and Deposits > $250K (item 17 less item K):
26,124,907
Total Interest Expense (Sum of items 6 8):
408,756
Share Certificates:
118
Number of Accounts for Share Drafts:
1,246
Number of Accounts for Regular Shares:
1,685
All other shares:
373
Non Member Deposits:
3
Money Market Shares:
49
Net Income (unless the amount is already included in Undivided Earnings):
-22,947
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
2,376,364
Total Liabilities:
26,824,865
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Beacon Financial Credit UnionIs a member application needed to join Beacon Financial Credit Union?Yes, to access services at Beacon Financial Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Beacon Financial Credit Union provides a range of mortgage and home equity products. Is Beacon Financial Credit Union a safe place to deposit money?Yes, Beacon Financial Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Beacon Financial Credit Union offer online and mobile banking?Most modern institutions like Beacon Financial Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.27%, 6-month CD rates at 2.50% and 3-month CD rates at 1.20%. Savings rates are at 0.01% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.59%. Credit Card rates are at 3.99%. Personal Loan rates are at 14.00%. All these rates, and more, can be found in our database of rates which you can compare to 
