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Beacon Credit Union Incorporated Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 13, 2026
Beacon Credit Union Incorporated's top rates as of October 13, 2026 are 4.35% APY on its Promotional CDs - Limited Time Special - 6 month CD, 0.10% APY on savings, 4.00% APY on money market accounts, 5.05% APY on checking, 4.99% on its Adjustable Rate Mortgages - 5/1 ARM - 30 Year Fixed Purchase, personal loans from 18.25% APR, and credit cards from 8.00% APR, according to rates verified by MonitorBankRates. Other Beacon Credit Union Incorporated CD rates include CDs - 12 month at 3.92%, CDs - 24 month at 3.40%, and CDs - 36 month at 3.31%. Other Beacon Credit Union Incorporated mortgage rates include Adjustable Rate Mortgages - 5/1 ARM - 30 Year Fixed Refinance at 6.51%, Adjustable Rate Mortgages - 7/1 ARM - 30 Year Fixed Purchase at 5.88%, and Adjustable Rate Mortgages - 7/1 ARM - 30 Year Fixed Refinance at 5.88%. MonitorBankRates evaluates the financial stability of Beacon Credit Union Incorporated with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.80%. Rates last updated and verified on 10/13/2026.
Beacon Credit Union Incorporated 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 Incorporated? Share your experience about Beacon Credit Union Incorporated by leaving a review below, or read customer reviews before you decide to use Beacon Credit Union Incorporated.
Beacon Credit Union Incorporated has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Beacon Credit Union Incorporated has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.80%
ExcellentLower than avg
Beacon Credit Union Incorporated Texas Ratio
Beacon Credit Union Incorporated's Texas Ratio is 1.80%, which is considered excellent and is lower than the national average of 6.13%.
Beacon Credit Union Incorporated has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.06% to 1.80% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Beacon Credit Union Incorporated CD Rates
Product
Rate
APY
Term
View More
Promotional Certificates - Limited Time Special - 6 month
4.27%
4.35%
6 Months
Min Deposit$2,500
Min Balance$2,500
DetailsMinimum to Open: $2,500; Balance to Earn APY: $2,500; Promotional certificate rate valid on new money only; early withdrawal penalty is 90 days of dividend whether earned or not
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Certificates - 12 month
3.85%
3.92%
12 Months
Min Deposit$500
Min Balance$500
DetailsBalance to Earn APY: $500; early withdrawal penalty is 90 days of dividend whether earned or not
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.92% ▲ 0.92 pts · high 3.92% / low 3.00%
Sep 18, 20263.92%▲ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Certificates - 24 month
3.35%
3.40%
24 Months
Min Deposit$500
Min Balance$500
DetailsBalance to Earn APY: $500; early withdrawal penalty is 180 days of dividend whether earned or not
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.40% ▲ 1.15 pts · high 3.40% / low 2.25%
Sep 18, 20263.40%▲ from 2.25%
Sep 14, 20262.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Certificates - 36 month
3.26%
3.31%
36 Months
Min Deposit$500
Min Balance$500
DetailsBalance to Earn APY: $500; early withdrawal penalty is 270 days of dividend whether earned or not
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.00% → 3.31% ▲ 1.31 pts · high 3.31% / low 2.00%
Sep 18, 20263.31%▲ from 2.00%
Sep 14, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Certificates - 48 month
3.26%
3.31%
48 Months
Min Deposit$500
Min Balance$500
DetailsBalance to Earn APY: $500; early withdrawal penalty is 365 days of dividend whether earned or not
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 3.31% ▲ 2.06 pts · high 3.31% / low 1.25%
Sep 18, 20263.31%▲ from 1.25%
Sep 14, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Certificates - 60 month
3.26%
3.31%
60 Months
Min Deposit$500
Min Balance$500
DetailsBalance to Earn APY: $500; early withdrawal penalty is 365 days of dividend whether earned or not
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 3.31% ▲ 2.06 pts · high 3.31% / low 1.25%
Sep 18, 20263.31%▲ from 1.25%
Sep 14, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Certificates - 12 Month Bump
1.64%
1.65%
12 Months
Min Deposit$500
Min Balance$500
DetailsBalance to Earn APY: $500; 12 month share certificate early withdrawal penalty is 90 days of dividend whether earned or not; with the 12 month bump, one early withdrawal penalty is free
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Business CD Rates
Product
Rate
APY
Term
View More
Business Certificates - 6 month
0.10%
0.10%
6 Months
Min Deposit$500
Min Balance$500
DetailsDividends Compounded: Monthly; Early withdrawal penalty is 30 days of dividend whether earned or not
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Business Certificates - 3 month
0.05%
0.05%
3 Months
Min Deposit$500
Min Balance$500
DetailsDividends Compounded: Monthly; Early withdrawal penalty is 30 days of dividend whether earned or not
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Savings Rates
Product
Rate
APY
View More
Kirby Club
0.65%
0.65%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.01 to $5,000; Tier 1; Dividends Compounded: Monthly
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Tiered Savings
0.10%
0.10%
Min Deposit$25
Min Balance$0
DetailsBalance: $0.01 to $4,999.99; Tier 1; Dividends Compounded: Monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Business Savings Rates
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Premier Money Market
0.05%
0.05%
Min Deposit$100
Min Balance$2,500
DetailsBalance: $2,500.00 - $24,999.99; Limited Time Offer; Dividends Compounded: Monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Premier Money Market
0.01%
0.01%
Min Deposit$100
Min Balance$0
DetailsBalance: $0.00 - $2,499.99; Limited Time Offer; Dividends Compounded: Monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Business Money Market Rates
Product
Rate
APY
View More
Business Premier Money Market
3.93%
4.00%
Min Deposit$100
Min Balance$500,000
DetailsBalance: $500,000.00 & Greater; Limited Time Offer; Tier 6; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Business Premier Money Market
3.44%
3.50%
Min Deposit$100
Min Balance$100,000
DetailsBalance: $100,000.00 - $499,999.99; Limited Time Offer; Tier 5; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Business Premier Money Market
2.96%
3.00%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Limited Time Offer; Tier 4; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Business Premier Money Market
2.48%
2.50%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99; Limited Time Offer; Tier 3; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Business Premier Money Market
0.05%
0.05%
Min Deposit$100
Min Balance$2,500
DetailsBalance: $2,500.00 - $24,999.99; Limited Time Offer; Tier 2; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Business Premier Money Market
0.01%
0.01%
Min Deposit$100
Min Balance$0
DetailsBalance: $0.00 - $2,499.99; Limited Time Offer; Tier 1; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Checking Rates
Product
Rate
APY
View More
Choice Plus Checking
4.94%
5.05%
Min Deposit$25
Min Balance$0
DetailsQualifications Required: Additional qualification must be met to earn Tier 1 dividend (requirements linked on page; not itemized); Balance: $0.01 to $2,500; Tier 1; Dividends compounded monthly; Additional qualification must be met to earn Tier 1 dividend (see requirements link)
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Preferred Checking
0.05%
0.05%
Min Deposit$25
Min Balance$200
DetailsBalance to Earn APY: $200 ADB; Dividends Compounded: Monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Business Checking Rates
Product
Rate
APY
View More
Business Interest Plus Checking
3.97%
4.04%
Min Deposit$500
Min Balance$0
DetailsBalance: $0.01 to $10,000.00; Dividends Compounded: Monthly
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.04% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Mortgage Rates
Product
Rate
Points
APR
Term
View More
Adjustable Rate Mortgages - 5/1 ARM - 30 Year Fixed Purchase
4.99%
1.000%
6.515%
DetailsAdjustable rate mortgage; rates based on $200,000 loan amount; effective 09/21/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.52% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 5/1 ARM - 30 Year Fixed Refinance
-
1.000%
6.515%
DetailsAdjustable rate mortgage; rates based on $200,000 loan amount; effective 09/21/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.52% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 7/1 ARM - 30 Year Fixed Purchase
5.875%
0.750%
6.696%
DetailsAdjustable rate mortgage; rates based on $200,000 loan amount; effective 09/21/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.70% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 7/1 ARM - 30 Year Fixed Refinance
5.875%
0.750%
6.696%
DetailsAdjustable rate mortgage; rates based on $200,000 loan amount; effective 09/21/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.70% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 15 Year Fixed Purchase
6.50%
0.750%
6.763%
15 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.76% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 15 Year Fixed Refinance
6.50%
0.750%
6.763%
15 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.76% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 3/1 ARM - 30 Year Fixed Purchase
5.875%
0.750%
7.035%
DetailsAdjustable rate mortgage; rates based on $200,000 loan amount; effective 09/21/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.04% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Adjustable Rate Mortgages - 3/1 ARM - 30 Year Fixed Refinance
5.875%
0.750%
7.035%
DetailsAdjustable rate mortgage; rates based on $200,000 loan amount; effective 09/21/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.04% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 30 Year Fixed Purchase
7.00%
0.750%
7.168%
30 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.17% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 30 Year Fixed Refinance
7.00%
0.750%
7.168%
30 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.17% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 15 Year Fixed Refinance (Cash Out)
7.00%
0.750%
7.271%
15 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.27% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 30 Year Fixed Refinance (Cash Out)
7.25%
0.750%
7.422%
30 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.42% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 20 Year Fixed Purchase
7.25%
0.750%
7.473%
20 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.47% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 20 Year Fixed Refinance
7.25%
0.750%
7.473%
20 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.47% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
First Mortgage - 20 Year Fixed Refinance (Cash Out)
7.375%
0.750%
7.599%
20 years
DetailsRates based on loan amount $200,000.00; minimum 5% down payment, or 3% for first-time home buyers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.60% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loans (Max LTV = 80%)
-
-
6.20%
60-180 Months
DetailsAs Low As; Max LTV 80%; Minimum loan amount of $40,000 required for term over 120 months; APR variable based on highest domestic prime rate published in the Wall Street Journal; Maximum possible APR 24%; Minimum possible APR 3.25%
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.20% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Home Equity Loans (LTV = 80.01%-90%)
-
-
8.45%
60-180 Months
DetailsAs Low As; Loan to Value 80.01%-90%; APR variable based on highest domestic prime rate published in the Wall Street Journal; minimum loan amount $40,000 for terms over 120 months; maximum possible APR 24%; minimum possible APR 3.25%
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 8.45% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans
-
-
8.70%
12-36 Months
DetailsAs Low As; Minimum loan $5,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 8.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans
-
-
9.70%
37-60 Months
DetailsAs Low As; Minimum loan $5,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 9.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans
-
-
10.70%
61-84 Months
DetailsAs Low As; Minimum loan $5,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 10.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans
-
-
11.70%
85-119 Months
DetailsAs Low As; Minimum loan $5,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 11.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Home Equity Home Improvement Loans
-
-
11.70%
120-180 Months
DetailsAs Low As; Minimum loan $10,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 11.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used Auto Loans
-
-
7.25%
60 Months
DetailsAs Low As; Minimum loan amount: $10,000
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 6.55% → 7.25% ▲ 0.70 pts · high 7.25% / low 6.55%
Sep 26, 20267.25%▲ from 6.55%
Sep 18, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
New & Used Auto Loans
-
-
7.25%
66 Months
DetailsAs Low As; Minimum loan amount: $10,000
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 6.55% → 7.25% ▲ 0.70 pts · high 7.25% / low 6.55%
Sep 26, 20267.25%▲ from 6.55%
Sep 18, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
New & Used Auto Loans
-
-
7.69%
72 Months
DetailsAs Low As; Minimum loan amount: $20,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.25% → 7.69% ▲ 0.44 pts · high 7.69% / low 7.25%
Sep 26, 20267.69%▲ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
New & Used Auto Loans
-
-
7.99%
84 Months
DetailsAs Low As; Minimum loan amount: $25,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.75% → 7.99% ▲ 0.24 pts · high 7.99% / low 7.75%
Sep 26, 20267.99%▲ from 7.75%
Sep 14, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
New & Used Auto Loans
-
-
9.75%
96 Months
DetailsAs Low As; Minimum loan amount: $40,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 9.30% → 9.75% ▲ 0.45 pts · high 9.75% / low 9.30%
Sep 26, 20269.75%▲ from 9.30%
Sep 14, 20269.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boats/RVs/Motorcycles Loan
-
11.75%
60 Months
DetailsAs Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Boats/RVs/Motorcycles Loan
-
12.25%
66 Months
DetailsAs Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Boats/RVs/Motorcycles Loan
-
12.75%
72 Months
DetailsAs Low As; 85% of Retail for all Boats/RVs/Motorcycle Loans.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Credit Card Rates
Product
Rate
APR
View More
VISA Credit Cards - Blue
-
8.00%
DetailsAs Low As; Limits: $500 to $3,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
VISA Credit Cards - Advantage
-
12.50%
DetailsAs Low As; Limits: $5,000 to $20,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
VISA Credit Cards - Rewards
-
15.25%
DetailsAs Low As; Limits: $5,000 to $20,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 15.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Personal Loan Rates
Product
APR
Term
View More
Personal Loans - 42 Months
18.25%
42 Months
DetailsAs Low As; Annual Percentage Rate As Low As
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 17.75% → 18.25% ▲ 0.50 pts · high 18.25% / low 17.75%
Oct 13, 202618.25%▲ from 17.75%
Sep 14, 202617.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Personal Loans - 36 Months
18.50%
36 Months
DetailsAs Low As; Annual Percentage Rate As Low As
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 18.00% → 18.50% ▲ 0.50 pts · high 18.50% / low 18.00%
Oct 13, 202618.50%▲ from 18.00%
Sep 14, 202618.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Personal Loans - 24 Months
19.00%
24 Months
DetailsAs Low As; Annual Percentage Rate As Low As
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 18.50% → 19.00% ▲ 0.50 pts · high 19.00% / low 18.50%
Oct 13, 202619.00%▲ from 18.50%
Sep 14, 202618.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Beacon Credit Union Incorporated Other Rates
Product
Rate
Points
APY/APR
Term
View More
Security Loans
-
-
9.40%
48 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 9.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Security Loans
-
-
10.40%
60 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 10.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Security Loans
-
-
12.40%
66 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 12.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Security Loans
-
-
13.40%
72 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 13.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Regular Share
0.10%
-
0.10%
Min Deposit$5
Min Balance$200
DetailsBalance to earn APY: $200; Dividends Compounded: Monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.80%
Financial Health History
Beacon Credit Union Incorporated’s Texas Ratio fell from 3.06% in Q3 2023 to 1.80% in Q2 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. 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
June 30, 2026
$392M
1.80%
5.0
A+
March 31, 2026
$378M
1.29%
5.0
A+
December 31, 2025
$370M
1.75%
5.0
A+
September 30, 2025
$347M
1.82%
5.0
A+
June 30, 2025
$332M
1.96%
5.0
A+
March 31, 2025
$329M
1.31%
5.0
A+
December 31, 2024
$333M
2.06%
5.0
A+
September 30, 2024
$329M
2.71%
5.0
A+
June 30, 2024
$323M
2.12%
5.0
A+
March 31, 2024
$315M
2.65%
5.0
A+
December 31, 2023
$304M
3.08%
5.0
A+
September 30, 2023
$307M
3.06%
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 Incorporated 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 Incorporated 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 Incorporated's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,674,555
Total Uninsured Shares and Deposits > $250K (F+J)
8,674,555
Total Insured Shares and Deposits > $250K (item 17 less item K)
333,279,563
Total Interest Expense (Sum of items 6 8)
2,866,102
Share Certificates
1,191
Number of Accounts for Share Drafts
17,601
IRA KEOGH Accounts
358
Number of Accounts for Regular Shares
34,667
Non Member Deposits
10
Money Market Shares
2,177
Net Income (unless the amount is already included in Undivided Earnings)
2,119,162
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)
14,625,933
Total Liabilities
348,428,347
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Beacon Credit Union Incorporated earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Beacon Credit Union Incorporated
How many branches does Beacon Credit Union Incorporated operate?
Beacon Credit Union Incorporated 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 Incorporated?
Yes, to access services at Beacon Credit Union Incorporated, 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 Incorporated 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 Incorporated provides members with tools to manage their accounts and build a solid financial history.
Does Beacon Credit Union Incorporated offer online and mobile banking?
Most modern institutions like Beacon Credit Union Incorporated 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.mybcu.org.
Current Beacon Credit Union Incorporated Rates
12-Month CD1.65%
24-Month CD3.40%
60-Month CD3.31%
Savings0.10%
MMA4.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
