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

Current rates for Beacon Federal Credit Union include: Savings: 0.15%, MMA: 0.80%

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Beacon Federal Credit Union

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Beacon Federal Credit Union Rates & Review September 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: September 12, 2026

Beacon Federal Credit Union's 12 mos. Cert rates are at 4.00%, 12 mos. IRA Cert rates are at 4.00%, 12 mos. Roth IRA Cert rates are at 4.00%, 12 mos. Roth IRA CD rates are at 4.00%, 18 mos. Cert rates are at 3.75%. Beacon Federal Credit Union's savings rates are at 0.15%. Beacon Federal Credit Union's money market rates are at 0.80%. Beacon Federal Credit Union's Personal Loan Rates are as low as 3.25%. Beacon Federal Credit Union's Credit Card Rates are at 5.14%. 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 1.23%. Rates last updated and verified on 09/12/2026.

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 Healthy 2026 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

1.23%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Beacon Federal Credit Union
Main Office

2901 Sens Rd
La Porte, TX 77571

https://www.beaconfed.org

Beacon Federal Credit Union CD Rates

Product	Rate	APY	Term
12 mos. Cert	3.93%	4.00%	12 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
12 mos. IRA Cert	3.93%	4.00%	12 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
12 mos. Roth IRA Cert	3.93%	4.00%	12 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
12 mos. Roth IRA Certificate	3.93%	4.00%	12 mos.
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
18 mos. Cert	3.69%	3.75%	18 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
18 mos. IRA Cert	3.69%	3.75%	18 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
18 mos. Roth IRA Cert	3.69%	3.75%	18 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 mos. Cert	3.69%	3.75%	6 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 mos. IRA Cert	3.69%	3.75%	6 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 mos. Roth IRA Cert	3.69%	3.75%	6 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 mos. Roth IRA Certificate	3.69%	3.75%	6 mos.
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 mos. Cert	3.45%	3.50%	24 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 mos. IRA Cert	3.45%	3.50%	24 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 mos. Roth IRA Cert	3.45%	3.50%	24 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
36 mos. Cert	3.45%	3.50%	36 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
36 mos. IRA Cert	3.45%	3.50%	36 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
36 mos. Roth IRA Cert	3.45%	3.50%	36 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
48 mos. Cert	3.45%	3.50%	48 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
48 mos. IRA Cert	3.45%	3.50%	48 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
48 mos. Roth IRA Cert	3.45%	3.50%	48 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
60 mos. Cert	3.45%	3.50%	60 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
60 mos. IRA Cert	3.45%	3.50%	60 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
60 mos. Roth IRA Cert	3.45%	3.50%	60 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 mos. Roth IRA Certificate	3.45%	3.50%	24 mos.
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.15%	0.15%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Roth IRA Savings	0.15%	0.15%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Christmas Club	0.05%	0.05%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Club de Navidad	0.05%	0.05%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Club de Vcaciones	0.05%	0.05%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Vacation Club	0.05%	0.05%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.95%	0.95%
Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Money Market	0.85%	0.85%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Money Market	0.80%	0.80%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Checking Rates

Product	Rate	APY
Reward Checking - Qualified Accounts	1.00%	1.00%
Min Balance $0 Details Qualifications Required: See account details for more information; Rate quoted as of January 8,2024. Reward Rate of 1.00% APY will be paid during each monthly cycle when the minimum qualifications are met. ATM refunds credited when all qualifications are met; only US ATMs -International ATMs do not qualify. Maximum five dollars ($5.00) per transaction and twenty dollars ($20.00) monthly maximum. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Reward Checking - Qualified Accounts	0.05%	0.05%
Min Balance $0 Details Base rate of 0.05% APY will still function as a checking account however it will not receive ATM fee refunds for that time period. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity (LTV up to 80%)	-	-	5.25%	Up to 10 Years
Details As Low As; Call for more information Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Home Equity (LTV up to 80%)	-	-	5.50%	Up to 15 Years
Details As Low As; Call for more information Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.39%	65 months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Automoviles nuevos y usados	-	-	3.39%	Hasta 36 meses
Details APR*; APR range: 3.39% - 12.95% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Autos	-	-	3.39%	Up to 36 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 3.39% - 12.95% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Automoviles nuevos y usados	-	-	3.89%	37-48 meses
Details APR*; APR range: 3.89% - 12.95% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Autos	-	-	3.89%	37-48 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 3.89% - 12.95% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Automoviles nuevos y usados	-	-	4.39%	49 - 65 meses
Details APR*; APR range: 4.39% -13.14% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Autos	-	-	4.39%	49 - 65 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 4.39% -13.14% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Automoviles nuevos y usados	-	-	4.89%	66 - 74 meses
Details APR*; APR range: 4.89% - 16.49% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Autos	-	-	4.89%	66 - 74 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 4.89% - 16.49% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Automoviles nuevos y usados	-	-	5.39%	75 - 84 meses
Details APR range: 5.39% -9.39%; APR* Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Autos	-	-	5.39%	75 - 84 Months
Details APR range: 5.39% -9.39%; APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Autos	-	-	6.89%	Up to 10 Years
Details As Low As; Call for more information Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Autos	-	-	7.39%	Up to 15 Years
Details As Low As; Call for more information Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Auto	-	-	9.50%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Motorcycles Loan	-	5.19%	Up to 48 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 5.19% - 16.95% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Motorcycles Loan	-	5.69%	49 - 65 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 5.69% - 17.45% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft - Up to 48 Months Loan	-	6.19%	Up to 48 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 6.19% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan	-	6.19%	Up to 48 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 6.19% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft - 49 - 65 Months Loan	-	6.65%	65 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 6.65% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan	-	6.65%	49 - 65 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 6.65% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Motorcycles Loan	-	6.69%	66 - 74 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 6.69% - 17.95% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft - 66 - 74 Months Loan	-	7.45%	74 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 7.45% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan	-	7.45%	66 - 74 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 7.45% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used Motorcycles Loan	-	7.69%	75 - 84 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 7.69% - 12.65% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft - 75 - 84 Months Loan	-	8.75%	84 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 8.75% - 12.55% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan	-	8.75%	75 - 84 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 8.75% - 12.55% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft - 85 - 120 Months Loan	-	9.59%	120 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 9.59% - 13.65% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan	-	9.59%	85 - 120 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 9.59% - 13.65% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft - 121 - 144 Months Loan	-	10.54%	144 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 10.54% - 15.40% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan	-	10.54%	121 - 144 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 10.54% - 15.40% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft - 145-180 Months Loan	-	11.54%	180 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 11.54% - 16.40% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New & Used RV, Boat & Watercraft Loan	-	11.54%	145-180 Months
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; APR range: 11.54% - 16.40% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Undergraduate student loan	1.95%	-	3.75%	10 to 15 year
Details Fixed rates; Lowest rates shown include the auto debit discount.; APR range: 1.95% to 17.49%; RATE range: 3.75% to 16.95% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Cards	-	5.14%
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 5.14% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Credit Cards	-	6.85%
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 6.85% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Credit Cards	-	7.89%
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 7.89% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Credit Cards	-	9.00%
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 9.00% - 12.75% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Credit Cards	-	9.50%
Details APR range: 9.50%-17.99%; APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice. Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation. Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Credit Cards	-	9.79%
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 9.79% - 13.85% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Credit Cards	-	10.74%
Details APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 10.74% - 15.60% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Beacon Blue Platinum MasterCard	-	11.55%
Details Variable rate account. Your rate will be determined by your credit score. After the 6-month introductory period ends, your APR will be based on your creditworthiness. The variable APR will vary with the market based on the Prime Rate and will not exceed 18.00%.; APR range: 11.55% - 18.00% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Beacon FCU Visa Credit Card	-	11.55%
Details Intro/promo APR: 1.80%; Intro rate expires: 6 months; Regular APR: 11.55% - 18.00% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Tarjeta Beacon Blue Platinum MasterCard	-	11.55%
Details Variable rate account. Your rate will be determined by your credit score. After the 6-month introductory period ends, your APR will be based on your creditworthiness. The variable APR will vary with the market based on the prime rate and will not exceed 18.00%.; APR range: 11.55% - 18.00% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loans	3.25%	60 Months
Details APR* above Interest Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Personal Line of Credit	9.50%
Details No origination fee; No penalties for paying off early Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Unsecured K) Loan	11.49%
Details under $10; APR range: 11.49% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Unsecured K) Loan	12.49%
Details over $10; APR range: 12.49% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Beacon Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
6-month introductory rate Loan	-	-	11.55%	6 months
Details Intro/promo APR: 1.80%; Intro rate expires: 6 months; Regular APR: 11.55% - 18.00%; APR range: 1.80% - 9.80% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Any Time, Any Day Loan	-	-	7.95%
Details APR range: 7.95% - 11.45% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Anytime Any Day Loans	-	-	7.95%	up to 12 months
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Bar exam loan	6.51%	-	7.01%
Details Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.; APR range: 7.01% to 15.26%; RATE range: 6.51% to 16.12% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Career training loan	1.95%	-	3.75%	10 to 15 year
Details Lowest rates shown include the auto debit discount.; APR range: 1.95% to 17.64%; RATE range: 3.75% to 17.14% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Dental residency loan	6.50%	-	6.50%
Details Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.; APR range: 6.50% to 12.40%; RATE range: 6.50% to 12.40% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Dental school loan	1.95%	-	3.75%	20-year
Details Lowest rates shown include the auto debit discount.; APR range: 1.95% to 14.98%; RATE range: 3.75% to 14.47% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Graduate school loan	1.95%	-	3.75%	10-15 year
Details Lowest rates shown include the auto debit discount.; APR range: 1.95% to 14.99%; RATE range: 3.75% to 14.48% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Health professions loan	1.95%	-	3.75%	10-15 year
Details Lowest rates shown include the auto debit discount.; APR range: 1.95% to 14.99%; RATE range: 3.75% to 14.48% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Law school loan	1.95%	-	3.75%	10-15 year
Details Lowest rates shown include the auto debit discount.; APR range: 1.95% to 14.99%; RATE range: 3.75% to 14.47% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
LOC Loan	-	-	9.50%
Details APR range: 9.50% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
MBA loan	1.95%	-	3.75%	5-15 year
Details Lowest rates shown include the auto debit discount.; APR range: 1.95% to 14.99%; RATE range: 3.75% to 14.48% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Medical residency loan	6.33%	-	6.33%
Details Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.; APR range: 6.33% to 11.59%; RATE range: 6.33% to 11.59% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Medical school loan	1.95%	-	3.75%	20-year
Details Lowest rates shown include the auto debit discount.; APR range: 1.95% to 14.97%; RATE range: 3.75% to 14.46% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Pay Day Loan	-	-	17.99%
Details APR range: 17.99% - 17.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Teacher Loan	-	-	2.25%
Details APR range: 2.25% - 9.24% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
12 meses Cert	3.93%	-	4.00%	12 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
12 meses IRA Cert	3.93%	-	4.00%	12 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
18 meses Cert	3.69%	-	3.75%	18 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
18 meses IRA Cert	3.69%	-	3.75%	18 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 meses Cert	3.45%	-	3.50%	24 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 meses IRA Cert	3.45%	-	3.50%	24 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
36 meses Cert	3.45%	-	3.50%	36 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
36 meses IRA Cert	3.45%	-	3.50%	36 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
48 meses Cert	3.45%	-	3.50%	48 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
48 meses IRA Cert	3.45%	-	3.50%	48 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 meses Cert	3.69%	-	3.75%	6 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 meses IRA Cert	3.69%	-	3.75%	6 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
60 meses Cert	3.45%	-	3.50%	60 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
60 meses IRA Cert	3.45%	-	3.50%	60 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Acciones regulares	0.05%	-	0.05%
Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Ahorro IRA	0.15%	-	0.15%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Ahorros Roth IRA	0.15%	-	0.15%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Certificates	3.25%	-	3.25%
Details Term Rate above Interest Apply Now APR = Annual Percentage Rate All Rates & Terms are subject to change without notice. Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit Any disclosures required by Regulation Z A clear description of the payment obligation Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Cuenta corriente Reward	0.05%	-	0.05%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Cuenta corriente Reward	1.00%	-	1.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $20,000.00 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Mercado monetario	0.80%	-	0.80%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Mercado monetario	0.85%	-	0.85%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Mercado monetario	0.95%	-	0.95%
Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Regular Shares	0.05%	-	0.05%
Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Term of Certificate	3.25%	-	3.25%
Details APR* above Interest Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

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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Financial Health History

Beacon Federal Credit Union’s Texas Ratio stayed near 0.78% in Q2 2023 to 1.23% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$209M	1.23%	5.0	A+
December 31, 2025	$202M	3.91%	5.0	A+
September 30, 2025	$200M	2.27%	5.0	A+
June 30, 2025	$204M	1.99%	5.0	A+
March 31, 2025	$210M	0.93%	5.0	A+
December 31, 2024	$204M	1.91%	5.0	A+
September 30, 2024	$203M	1.90%	5.0	A+
June 30, 2024	$201M	2.16%	5.0	A+
March 31, 2024	$203M	2.77%	5.0	A+
December 31, 2023	$197M	3.44%	5.0	A+
September 30, 2023	$195M	2.20%	5.0	A+
June 30, 2023	$198M	0.78%	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 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 45

Part-Time Employees 2

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

1.23%

Return on Assets (ROA)

0.0157%

Return on Equity (ROE)

0.1845%

Non-Performing Loans Ratio (NPL)

0.23%

Total Assets

209,056,096

Total Amount of Shares and Deposits

191,687,726

Total Shares and Deposits < 1 Year

185,387,135

Total Shares and Deposits 1 3 Years

5,103,988

Total Shares and Deposits > 3 Years

1,196,600

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

7,284,956

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

7,284,956

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

184,402,770

Total Interest Expense (Sum of items 6 8)

445,783

Share Certificates

867

Number of Accounts for Share Drafts

8,518

IRA KEOGH Accounts

490

Number of Accounts for Regular Shares

15,240

Money Market Shares

297

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)

19,546,011

Total Liabilities

192,832,406

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Beacon Federal 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.

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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 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.

Current Beacon Federal Credit Union Rates

Savings0.15%
MMA0.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Beacon Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Beacon Federal Credit Union Texas Ratio

Beacon Federal Credit Union Health Trend

Beacon Federal Credit Union CD Rates

Beacon Federal Credit Union Savings Rates

Beacon Federal Credit Union Money Market Rates

Beacon Federal Credit Union Checking Rates

Beacon Federal Credit Union Home Equity & HELOC

Beacon Federal Credit Union Auto Loan Rates

Beacon Federal Credit Union RV, Boat and Powersport Loan Rates

Beacon Federal Credit Union Student Loan Rates

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Beacon Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Beacon Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Beacon Federal Credit Union

How many branches does Beacon Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Beacon Federal Credit Union offer online and mobile banking?

Current Beacon Federal Credit Union Rates

Compare to Other Credit Unions