Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Beginnings Credit Union 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.
Read Full Bio →
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
Beginnings Credit Union's 12 Month Plus CD rates are at 3.75%, 24 Month Plus CD rates are at 3.75%, 6 Month Plus CD rates are at 3.75%, 12 Month Plus CD rates are at 3.60%, 24 Month Plus CD rates are at 3.60%. Beginnings Credit Union's savings rates are at 0.05%. Beginnings Credit Union's MORTGAGE RATES - 7/1 ARM rates are at 5.62%, MORTGAGE RATES - 15 Year Fixed rates are at 6.25%, MORTGAGE RATES - 30 Year Fixed rates are at 6.88%. Beginnings Credit Union's Personal Loan Rates are as low as 6.99%. MonitorBankRates evaluates the financial stability of Beginnings Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.95%. Rates last updated and verified on 09/22/2026. Beginnings 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 Beginnings Credit Union? Share your experience about Beginnings Credit Union by leaving a review below, or read customer reviews before you decide to use Beginnings Credit Union. 
Beginnings Credit Union CD Rates
Beginnings Credit Union Savings Rates
Beginnings Credit Union Money Market Rates
Beginnings Credit Union Checking Rates
Beginnings Credit Union Mortgage Rates
Beginnings Credit Union Home Equity & HELOC
Beginnings Credit Union Auto Loan Rates
Beginnings Credit Union RV, Boat and Powersport Loan Rates
Beginnings Credit Union Personal Loan Rates
Beginnings Credit Union Other Rates
Financial Health HistoryBeginnings Credit Union’s Texas Ratio fell from 6.05% in Q2 2023 to 2.95% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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)
Powered by
MonitorBankRates
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 Beginnings 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 Beginnings 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 Beginnings Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Beginnings Credit Union
Website
https://www.beginnings.com/
Address
1030 Craft Rd,
Ithaca, NY 14850
Phone
607-257-8500
Fax
607-257-8217
President
Blixy Taetzsch
CEO
Lisa Whitaker
Full-Time Employees
225
Part-Time Employees
0
Branch Locations
15
ATM Locations
4
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
2.95%
Return on Assets (ROA)
0.0215%
Return on Equity (ROE)
0.1573%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
1,505,838,425
Total Amount of Shares and Deposits
1,281,888,112
Total Shares and Deposits < 1 Year
1,206,511,620
Total Shares and Deposits 1 3 Years
57,173,096
Total Shares and Deposits > 3 Years
18,203,396
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
187,279,339
Total Uninsured Shares and Deposits > $250K (F+J)
187,279,339
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,094,608,773
Total Interest Expense (Sum of items 6 8)
4,027,826
Share Certificates
11,715
Number of Accounts for Share Drafts
40,516
IRA KEOGH Accounts
2,064
Number of Accounts for Regular Shares
89,645
Money Market Shares
2,608
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)
184,103,764
Total Liabilities
1,308,585,650
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Beginnings Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Beginnings Credit Union
Frequently Asked Questions About Beginnings Credit UnionHow many branches does Beginnings Credit Union operate?Beginnings 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 Beginnings Credit Union?Yes, to access services at Beginnings 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, Beginnings 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, Beginnings Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Beginnings Credit Union offer online and mobile banking?Most modern institutions like Beginnings 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.beginnings.com/. Current Beginnings Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
SUMA Federal Credit Union
United Savings Credit Union
Red Canoe Credit Union
Baton Rouge Telco Federal Credit Union
Building Trades Federal Credit Union
Trademark Federal Credit Union
Greenwich Municipal Employees Federal Credit Union
Central Maine Federal Credit Union
SECNY Federal Credit Union
VA Hospital Federal Credit Union
CAHP Credit Union
Eddyville Cooperative Credit Union
Indiana Lakes Federal Credit Union
Air Academy Federal Credit Union
Four Seasons Federal Credit Union
State Agencies Federal Credit Union
Kings Federal Credit Union
Downeast Credit Union
South Bend Firefighters Federal Credit Union
Honda Federal Credit Union
Y-12 Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking