What are the current interest rates at Bee Federal Credit Union?

Current rates for Bee Federal Credit Union include: 12-Month CD: 3.55%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Bee Federal Credit Union

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Bee Federal Credit Union Rates & Review October 2026

Q: How many branches does Bee Federal Credit Union operate?

Bee 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.

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

Yes, to access services at Bee 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, Bee 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 12, 2026

Bee Federal Credit Union's top rates as of October 12, 2026 are 3.68% APY on its JUMBO CD - 6 Month Term, and personal loans from 8.60% APR, according to rates verified by MonitorBankRates. Other Bee Federal Credit Union CD rates include BEE CD - 6 Month Term at 3.63%, JUMBO CD - 12 Month Term at 3.63%, and BEE CD - 12 Month Term at 3.55%. MonitorBankRates evaluates the financial stability of Bee Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.40%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bee Federal Credit Union
1414 S DIVISION ST

1414 S DIVISION ST
SALISBURY, MD 21804

https://www.beefcu.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.

Bee Federal Credit Union CD Rates

Product	Rate	APY	Term
JUMBO Share Certificate - 6 Month Term	3.63%	3.68%	6 Month
Min Deposit $50,000 Min Balance $50,000 Details Dividends compounded and paid quarterly Last Updated 10/12/2026 Rate History 4 changes since Sep 14, 2026 · 3.53% → 3.68% ▲ 0.15 pts · high 3.72% / low 3.36% Oct 8, 20263.68%▼ from 3.72% Oct 4, 20263.72%▲ from 3.37% Sep 25, 20263.37%▲ from 3.36% Sep 20, 20263.36%▼ from 3.53% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
BEE Share Certificate - 6 Month Term	3.58%	3.63%	6 Month
Min Deposit $10,000 Min Balance $10,000 Details Dividends compounded and paid quarterly Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.47% → 3.63% ▲ 0.16 pts · high 3.64% / low 3.47% Oct 8, 20263.63%▼ from 3.64% Oct 4, 20263.64%▲ from 3.52% Sep 20, 20263.52%▲ from 3.47% Sep 14, 20263.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
JUMBO Share Certificate - 12 Month Term	3.58%	3.63%	12 Month
Min Deposit $50,000 Min Balance $50,000 Details Dividends compounded and paid quarterly Last Updated 10/12/2026 Rate History 5 changes since Sep 14, 2026 · 3.31% → 3.63% ▲ 0.32 pts · high 3.65% / low 3.31% Oct 8, 20263.63%▼ from 3.65% Oct 4, 20263.65%▲ from 3.48% Sep 25, 20263.48%▲ from 3.41% Sep 20, 20263.41%▲ from 3.35% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
BEE Share Certificate - 12 Month Term	3.50%	3.55%	12 Month
Min Deposit $10,000 Min Balance $10,000 Details Dividends compounded and paid quarterly Last Updated 10/12/2026 Rate History 4 changes since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.62% / low 3.36% Oct 8, 20263.55%▼ from 3.62% Oct 4, 20263.62%▲ from 3.43% Sep 25, 20263.43%▲ from 3.36% Sep 20, 20263.36%▼ from 3.40% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Bee Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Vehicle Loan	5.05%	-	5.05%
Details Credit Score: 750+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.05% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	5.15%	-	5.15%
Details Age of Auto: 1 - 4 years old; Credit Score: 750+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 1-4 Years Old	5.15%	-	5.15%
Details Credit Score: 750+; Age of Auto: 1-4 years old Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	5.65%	-	5.65%
Details Age of Auto: 5-8 years; Credit Score: 750+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 5-8 Years	5.65%	-	5.65%
Details Credit Score: 750+; Age of Auto: 5-8 years Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Vehicle Loan	6.05%	-	6.05%
Details Credit Score: 700-749 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.05% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	6.15%	-	6.15%
Details Age of Auto: 1 - 4 years old; Credit Score: 700-749 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 1-4 Years Old	6.15%	-	6.15%
Details Credit Score: 700-749; Age of Auto: 1-4 years old Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 6.15% ▲ 1.00 pts · high 6.15% / low 5.15% Sep 20, 20266.15%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	6.45%	-	6.45%
Details Age of Auto: 9-12 years; Credit Score: 750+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 9-12 Years	6.45%	-	6.45%
Details Credit Score: 750+; Age of Auto: 9-12 years Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.45% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	6.65%	-	6.65%
Details Age of Auto: 5-8 years; Credit Score: 700-749 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 5-8 Years	6.65%	-	6.65%
Details Credit Score: 700-749; Age of Auto: 5-8 years Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 6.65% ▲ 1.00 pts · high 6.65% / low 5.65% Sep 20, 20266.65%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Vehicle Loan	7.30%	-	7.30%
Details Credit Score: 650-699 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.30% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	7.40%	-	7.40%
Details Age of Auto: 1 - 4 years old; Credit Score: 650-699 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 1-4 Years Old	7.40%	-	7.40%
Details Credit Score: 650-699; Age of Auto: 1-4 years old Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 7.40% ▲ 2.25 pts · high 7.40% / low 5.15% Sep 20, 20267.40%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	7.45%	-	7.45%
Details Age of Auto: 9-12 years; Credit Score: 700-749 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 9-12 Years	7.45%	-	7.45%
Details Credit Score: 700-749; Age of Auto: 9-12 years Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.45% → 7.45% ▲ 1.00 pts · high 7.45% / low 6.45% Sep 20, 20267.45%▲ from 6.45% Sep 14, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	7.90%	-	7.90%
Details Age of Auto: 5-8 years; Credit Score: 650-699 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 5-8 Years	7.90%	-	7.90%
Details Credit Score: 650-699; Age of Auto: 5-8 years Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 7.90% ▲ 2.25 pts · high 7.90% / low 5.65% Sep 20, 20267.90%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Vehicle Loan	8.55%	-	8.55%
Details Credit Score: 600-649 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.55% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	8.65%	-	8.65%
Details Age of Auto: 1 - 4 years old; Credit Score: 600-649 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 1-4 Years Old	8.65%	-	8.65%
Details Credit Score: 600-649; Age of Auto: 1-4 years old Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 8.65% ▲ 3.50 pts · high 8.65% / low 5.15% Sep 20, 20268.65%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	8.70%	-	8.70%
Details Age of Auto: 9-12 years; Credit Score: 650-699 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 9-12 Years	8.70%	-	8.70%
Details Credit Score: 650-699; Age of Auto: 9-12 years Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.45% → 8.70% ▲ 2.25 pts · high 8.70% / low 6.45% Sep 20, 20268.70%▲ from 6.45% Sep 14, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	9.15%	-	9.15%
Details Age of Auto: 5-8 years; Credit Score: 600-649 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 5-8 Years	9.15%	-	9.15%
Details Credit Score: 600-649; Age of Auto: 5-8 years Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 9.15% ▲ 3.50 pts · high 9.15% / low 5.65% Sep 20, 20269.15%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Vehicle Loan	9.80%	-	9.80%
Details Credit Score: Under 600 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.80% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	9.95%	-	9.95%
Details Age of Auto: 9-12 years; Credit Score: 600-649 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 9-12 Years	9.95%	-	9.95%
Details Credit Score: 600-649; Age of Auto: 9-12 years Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.45% → 9.95% ▲ 3.50 pts · high 9.95% / low 6.45% Sep 20, 20269.95%▲ from 6.45% Sep 14, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	10.40%	-	10.40%
Details Age of Auto: 1 - 4 years old; Credit Score: Under 600 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 1-4 Years Old	10.40%	-	10.40%
Details Credit Score: Under 600; Age of Auto: 1-4 years old Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 10.40% ▲ 5.25 pts · high 10.40% / low 5.15% Sep 20, 202610.40%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	10.90%	-	10.90%
Details Age of Auto: 5-8 years; Credit Score: Under 600 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 5-8 Years	10.90%	-	10.90%
Details Credit Score: Under 600; Age of Auto: 5-8 years Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 10.90% ▲ 5.25 pts · high 10.90% / low 5.65% Sep 20, 202610.90%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan	11.70%	-	11.70%
Details Age of Auto: 9-12 years; Credit Score: Under 600 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Vehicle Loan - 9-12 Years	11.70%	-	11.70%
Details Credit Score: Under 600; Age of Auto: 9-12 years Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.45% → 11.70% ▲ 5.25 pts · high 11.70% / low 6.45% Sep 20, 202611.70%▲ from 6.45% Sep 14, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Bee Federal Credit Union Student Loan Rates

Product	Rate	Points	APR
Education Loan	6.10%	-	6.10%
Details Credit Score: 750+; $40 Processing Fee assessed on all loans Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 8.10% → 6.10% ▼ 2.00 pts · high 8.10% / low 6.10% Oct 8, 20266.10%▼ from 8.10% Sep 14, 20268.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Education Loan	8.10%	-	8.10%
Details Credit Score: 700-749; $40 Processing Fee assessed on all loans Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.10% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Education Loan	10.35%	-	10.35%
Details Credit Score: 650-699; $40 Processing Fee assessed on all loans Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.35% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Education Loan	12.60%	-	12.60%
Details Credit Score: 600-649; $40 Processing Fee assessed on all loans Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.60% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Education Loan	15.50%	-	15.50%
Details Credit Score: Under 600; $40 Processing Fee assessed on all loans Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Bee Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature (unsecured) Loan	8.60%
Details Credit Score: 750+; A $40 Processing Fee is assessed on all loans except Shares Secured Loans Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Signature (unsecured) Loan	10.60%
Details Credit Score: 700-749; A $40 Processing Fee is assessed on all loans except Shares Secured Loans Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Signature (unsecured) Loan	12.85%
Details Credit Score: 650-699; A $40 Processing Fee is assessed on all loans except Shares Secured Loans Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Signature (unsecured) Loan	15.10%
Details Credit Score: 600-649; A $40 Processing Fee is assessed on all loans except Shares Secured Loans Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 15.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Signature (unsecured) Loan	18.00%
Details Credit Score: Under 600; A $40 Processing Fee is assessed on all loans except Shares Secured Loans Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

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

Bee Federal Credit Union’s Texas Ratio stayed near 4.63% in Q3 2023 to 4.40% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$8M	4.40%	5.0	A+
March 31, 2026	$8M	3.91%	5.0	A+
December 31, 2025	$8M	4.58%	5.0	A+
September 30, 2025	$8M	4.14%	5.0	A+
June 30, 2025	$8M	5.73%	5.0	A+
March 31, 2025	$8M	9.76%	5.0	A
December 31, 2024	$8M	8.35%	5.0	A
September 30, 2024	$8M	5.98%	5.0	A+
June 30, 2024	$8M	2.15%	5.0	A+
March 31, 2024	$8M	5.38%	5.0	A+
December 31, 2023	$8M	6.11%	5.0	A
September 30, 2023	$8M	4.63%	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 Bee 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 Bee 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 Bee Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bee Federal Credit Union

Website https://www.beefcu.org/

Address 1414 S DIVISION ST, SALISBURY, MD 21804

Phone 410-548-9351

Fax 410-548-1432

President RICHARD FARLOW

CEO EDWIN BRUCE FORD

Full-Time Employees 0

Part-Time Employees 9

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.40%

Return on Assets (ROA)

-0.0522%

Return on Equity (ROE)

-0.2419%

Non-Performing Loans Ratio (NPL)

2.88%

Total Assets

7,898,736

Total Amount of Shares and Deposits

6,177,994

Total Shares and Deposits < 1 Year

6,177,994

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

6,177,994

Total Interest Expense (Sum of items 6 8)

32,219

Share Certificates

Number of Accounts for Regular Shares

996

All other shares

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)

801,440

Total Liabilities

6,193,748

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Bee Federal Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About Bee Federal Credit Union

How many branches does Bee Federal Credit Union operate?

Bee 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 Bee Federal Credit Union?

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

Does Bee Federal Credit Union offer online and mobile banking?

Most modern institutions like Bee 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.beefcu.org/.