What are the current interest rates at Beacon Credit Union?

Current rates for Beacon Credit Union include: Savings: 0.05%

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Beacon Credit Union Rates & Review September 2026

Q: How many branches does Beacon Credit Union operate?

Beacon 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 Beacon Credit Union?

Yes, to access services at Beacon 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: Is there a first-time homebuyer program?

Currently, Beacon 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Beacon 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: September 3, 2026

Beacon Credit Union's savings rates are at 0.05%. Beacon Credit Union's 15 Year Fixed rates are at 6.37%, 15 Year Term Mortgage rates are at 6.37%. Beacon Credit Union's Personal Loan Rates are at 4.81%. MonitorBankRates evaluates the financial stability of Beacon Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.08%. Rates last updated and verified on 09/03/2026.

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

Verified Healthy 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

3.08%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Beacon Credit Union
Wabash Admin Building

586 S Wabash St
Wabash, IN 46992-3328

https://www.beaconcu.org

Beacon Credit Union Savings Rates

Product	Rate	APY
Savings	-	5.00%
Min Deposit $50 Details Qualifications Required: ACH deposit(s) totaling $1000 or more during statement cycle; receive eStatements; complete at least twenty-five (25) point-of-sale (POS) transactions which post to account during the statement cycle; APY (Annual Percentage Yield) if balance is above $5; subject to change. Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the individual's (for consumer) or business' (for business) membership within previous 12 months. Fees could reduce earnings. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Savings	-	0.05%
Min Deposit $50 Details APY (Annual Percentage Yield) if balance is above $5; subject to change. Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the individual's (for consumer) or business' (for business) membership within previous 12 months. Fees could reduce earnings. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Beacon Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed	6.37%	-	6.51%	15 Year Fixed
Details As low as; Discount: 0.00% Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
15 Year Term Mortgage	6.37%	-	6.51%	15 year
Details Rates based on credit performance and terms of the loan, actual rates may vary. All loans subject to approval. No discount points. Additional fees may apply. Product offerings may vary. Loan amount will be $150,000. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
30 Year Fixed	6.50%	-	6.58%	30 Year Fixed
Details As low as; Discount: 0.00% Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
30 Year Term Mortgage	6.50%	-	6.58%	30 year
Details Rates based on credit performance and terms of the loan, actual rates may vary. All loans subject to approval. No discount points. Additional fees may apply. Product offerings may vary. Loan amount will be $150,000. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
7/1 ARM Mortgage	7.00%	-	7.09%	30 year
Details An adjustable rate mortgage (ARM) has monthly payment that may change over the term of the loan. The 7/1 ARM product will have the same rate and payment during the first 7 years of the loan and then can change each year based on the index plus margin. Margin is 3.00%. Subsequent rate changes can occur every year thereafter. Maximum interest rate increase of 1% per year and 5% over loan term. Loan amount will be $150,000. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
7/1 Year ARM	7.00%	-	7.09%	7/1 Year ARM
Details As low as; Discount: 0.00% Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Beacon Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	4.73%	-	4.81%	60 month
Details Rates based on credit performance, age of vehicle, and terms of the loan. All loans subject to approval. Additional fees may apply. Loan amount will be $25,050. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

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

Beacon Credit Union’s Texas Ratio rose from 0.09% in Q2 2023 to 3.08% in Q1 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 amber line marks the 15% level a credit union must stay under 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 threshold

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
March 31, 2026	$1.8B	3.08%	5.0	A+
December 31, 2025	$1.8B	0.53%	5.0	A+
September 30, 2025	$1.7B	1.43%	5.0	A+
June 30, 2025	$1.7B	1.23%	5.0	A+
March 31, 2025	$1.5B	2.15%	5.0	A+
December 31, 2024	$1.5B	0.75%	5.0	A+
September 30, 2024	$1.5B	0.47%	5.0	A+
June 30, 2024	$1.5B	0.30%	5.0	A+
March 31, 2024	$1.5B	0.27%	5.0	A+
December 31, 2023	$1.5B	0.57%	5.0	A+
September 30, 2023	$1.5B	0.55%	5.0	A+
June 30, 2023	$1.5B	0.09%	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 Beacon 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Beacon Credit Union

Website https://www.beaconcu.org

Address 586 S Wabash St, Wabash, IN 46992-3328

Phone 260-563-7443

Fax 260-569-0553

President Herbert Horrom

CEO Dustin Cuttriss

Full-Time Employees 295

Part-Time Employees 28

Branch Locations 23

ATM Locations 20

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

3.08%

Return on Assets (ROA)

0.1457%

Return on Equity (ROE)

1.0962%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

1,767,832,480

Total Amount of Shares and Deposits

1,467,221,693

Total Shares and Deposits < 1 Year

1,352,292,832

Total Shares and Deposits 1 3 Years

94,773,527

Total Shares and Deposits > 3 Years

20,155,336

Total Interest Expense (Sum of items 6 8)

6,583,653

Share Certificates

8,600

Number of Accounts for Share Drafts

43,106

IRA KEOGH Accounts

3,547

Number of Accounts for Regular Shares

64,817

All other shares

1,021

Non Member Deposits

Money Market Shares

2,029

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

2,576,593

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)

53,118,465

Total Liabilities

1,577,895,979

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Beacon Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Beacon Credit Union

How many branches does Beacon Credit Union operate?

Beacon 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 Credit Union?

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

Does Beacon Credit Union offer online and mobile banking?

Most modern institutions like Beacon 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.beaconcu.org.