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 Beginnings Credit Union Rates & Review May 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.
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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: May 12, 2026
Beginnings Credit Union's 12 Month Plus rates are at 3.75%, 24 Month Plus rates are at 3.75%, 6 Month Plus rates are at 3.75%, 12 Month Plus CDs with minimum to open and earn APY rates are at 3.60%, 24 Month Plus CDs with minimum to open and earn APY rates are at 3.60%. Beginnings Credit Union's savings rates are at 0.05%. Beginnings Credit Union's Personal Loan Rates are at 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 4.92%. Rates were last updated on 05/12/2026. 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 Home Equity & HELOC
Beginnings Credit Union Personal Loan Rates
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
229
Part-Time Employees
0
Branch Locations
14
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.92%
Return on Assets (ROA)
0.5732%
Return on Equity (ROE)
4.0275%
Non-Performing Loans Ratio (NPL)
0.97%
Total Assets
1,453,396,332
Total Amount of Shares and Deposits
1,236,165,396
Total Shares and Deposits < 1 Year
1,155,980,805
Total Shares and Deposits 1 3 Years
62,701,279
Total Shares and Deposits > 3 Years
17,483,312
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
162,867,319
Total Uninsured Shares and Deposits > $250K (F+J)
162,867,319
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,073,298,077
Total Interest Expense (Sum of items 6 8)
10,590,541
Share Certificates
10,471
Number of Accounts for Share Drafts
40,800
IRA KEOGH Accounts
2,098
Number of Accounts for Regular Shares
90,656
Money Market Shares
2,623
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
152,456,231
Total Liabilities
1,258,302,080
Source: NCUA — Last Updated 09/30/2025
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.
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