What are the current interest rates at Beginnings Credit Union?

Current rates for Beginnings Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.40%, Savings: 1.75%

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Beginnings Credit Union

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Beginnings Credit Union Rates & Review October 2026

Q: How 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Beginnings Credit Union's top rates as of October 10, 2026 are 3.75% APY on its 12 Month Plus CD, 1.75% APY on savings, 4.00% APY on checking, 5.88% on its Residential Mortgage - 7/1 ARM, and personal loans from 6.99% APR, according to rates verified by MonitorBankRates. Other Beginnings Credit Union CD rates include 24 Month Plus CD at 3.75%, 6 Month Plus CD at 3.75%, and 12 Month Plus CD at 3.60%. Other Beginnings Credit Union mortgage rates include Residential Mortgage - 15 Year Fixed at 6.75%, and Residential Mortgage - 30 Year Fixed at 7.38%. 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 3.32%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 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

3.32%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Beginnings Credit Union
1030 Craft Road

1030 Craft Rd
Ithaca, NY 14850

https://www.beginnings.com/

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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.

Beginnings Credit Union CD Rates

Product	Rate	APY	Term
12 Month Plus Certificate	-	3.75%	12 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Sep 18, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Plus Certificate	-	3.75%	24 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Sep 18, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Plus Certificate	-	3.75%	6 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Sep 18, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Plus Certificate	-	3.60%	12 Month
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Sep 18, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Plus Certificate	-	3.60%	24 Month
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Sep 18, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Plus Certificate	-	3.60%	36 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40% Sep 18, 20263.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Plus Certificate	-	3.60%	48 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40% Sep 18, 20263.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Plus Certificate	-	3.60%	6 Month
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Sep 18, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	-	3.60%	60 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Sep 18, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Lucky Savers Certificate	-	3.50%	12 month
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Plus Certificate	-	3.50%	12 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Plus Certificate	-	3.50%	24 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Plus Certificate	-	3.50%	36 Month
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Sep 18, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Plus Certificate	-	3.50%	48 Month
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Sep 18, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Plus Certificate	-	3.50%	6 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	-	3.50%	60 Month
Min Deposit $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Plus Certificate	-	3.40%	36 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Plus Certificate	-	3.40%	48 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	-	3.40%	60 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Plus Certificate	-	3.25%	3 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Sep 18, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Plus Certificate	-	3.10%	3 Month
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Sep 18, 20263.10%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Plus Certificate	-	3.00%	3 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Savings Rates

Product	Rate	APY
IRA Savings	-	1.75%
Min Balance $100 Details Minimum $100 to earn APY Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.75%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.30%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Round Up Savings	-	0.05%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings	-	0.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.30%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Savings Account	-	0.05%
Min Balance $100 Details Minimum $100 to earn APY Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	-	0.75%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Savings	-	0.30%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings	-	0.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Savings	-	0.30%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	-	4.00%
Min Balance $0 Details Balance: Balances up to $10,000 to earn APY Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Yield Checking	-	0.35%
Min Deposit $25 Min Balance $10,000 Details Qualifications Required: Enrolled in Electronic Statements; 15 debit card transactions per month; Earn 4.00% APY on account balances up to $10,000. Also earn 0.35% APY on balances over $10,000. To earn dividends, simply be enrolled in Electronic Statements AND have 15 debit card transactions per month. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Rewards Checking	-	0.03%
Min Balance $1,000 Details Balance: Minimum $1,000 to earn APY Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 0.03% ▼ 3.97 pts · high 4.00% / low 0.03% Sep 18, 20260.03%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Business Checking Rates

Product	Rate	APY
Business Rewards Checking Account	-	0.12%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.12% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Rewards Checking Account	-	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Rewards Checking Account	-	0.08%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.08% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Rewards Checking Account	-	0.05%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Checking Account	-	0.02%
Min Balance $1,000 Details Minimum $1,000 to earn APY Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Residential Mortgage - 15 Year Fixed	6.75%	-	6.763%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.76% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Residential Mortgage - 7/1 ARM	5.875%	-	6.965%	7/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Residential Mortgage - 30 Year Fixed	7.375%	-	7.396%	30 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Solar Home Equity Loan	-	-	5.25%	60 months
Details As Low As; Payment per $1,000: $18.99 at 60 months Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Loan	-	-	5.75%	60 months
Details As Low As; * Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 5.75% ▼ 0.00 pts · high 5.75% / low 5.25% Oct 10, 20265.75%▲ from 5.25% Sep 18, 20265.25%▼ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	-	-	5.75%	120 months
Details As Low As; Payment per $1,000: $10.98 at 120 months Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Loan	-	-	6.25%	120 months
Details As Low As; * Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 6.25% / low 5.75% Oct 10, 20266.25%▲ from 5.75% Sep 18, 20265.75%▼ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	-	-	6.25%	180 months
Details As Low As; Payment per $1,000: $8.57 at 180 months Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Loan	-	-	6.75%	180 months
Details As Low As; * Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 6.75% / low 6.25% Oct 10, 20266.75%▲ from 6.25% Sep 18, 20266.25%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
HELOC	-	-	7.00%	15 years
Details variable rate Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Home Equity Loan	-	-	7.25%	240 months
Details As Low As; Payment per $1,000: $7.90 at 240 months Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
HELOC Choice	-	-	7.50%	15 years
Details variable rate Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Loan	-	-	7.75%	240 months
Details As Low As; * Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 7.75% ▼ 0.00 pts · high 7.75% / low 7.25% Oct 10, 20267.75%▲ from 7.25% Sep 18, 20267.25%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Auto Loan Rates

Product	Rate	Points	APR
Newer Vehicles (2023 - 2026) Auto/Motorcycle Loan	-	-	5.00%
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Newer Vehicles Loan	-	-	5.75%
Details As Low As; Newer Vehicles (2023 - 2026) Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 5.75% ▲ 0.75 pts · high 5.75% / low 5.00% Sep 18, 20265.75%▲ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Vehicles (2019 - 2022) Auto/Motorcycle Loan	-	-	5.75%
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Vehicles Loan	-	-	6.50%
Details As Low As; Used Vehicles (2021 - 2022) Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.50% ▲ 0.75 pts · high 6.50% / low 5.75% Sep 18, 20266.50%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Vehicles (2015 - 2018) Auto/Motorcycle Loan	-	-	8.00%
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Camper/Motor Home/etc (2023-2026) Loan	-	6.75%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boat Loan	-	6.75%
Details Loan Type/Year: Boat (2020- Newer) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boat Loan	-	7.75%
Details Loan Type/Year: Boat (2015-2019) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Camper/Motor Home/etc (2016-2022) Loan	-	8.50%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	6.99%
Details As low as* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	7.50%	36 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	8.00%	48 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	8.25%	60 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	8.50%	84 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Unsecured Solar Home Improvement Signature Loan	9.50%	120 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Beginnings Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Loan	-	-	13.65%
Details Regular APR: 13.65%* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.65% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Rewards Loan	-	-	12.15%
Details Regular APR: 12.15%* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Classic Loan	-	-	14.40%
Details Regular APR: 14.40%* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Rewards Elite Loan	-	-	11.99%
Details Regular APR: 11.99%* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Rewards Loan	-	-	13.49%
Details Regular APR: 13.49%* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

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

Beginnings Credit Union’s Texas Ratio fell from 6.20% in Q3 2023 to 3.32% 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 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.5B	3.32%	5.0	A+
March 31, 2026	$1.5B	2.95%	5.0	A+
December 31, 2025	$1.5B	4.80%	5.0	A+
September 30, 2025	$1.5B	4.71%	5.0	A+
June 30, 2025	$1.4B	5.03%	5.0	A+
March 31, 2025	$1.5B	4.16%	5.0	A+
December 31, 2024	$1.4B	5.96%	5.0	A+
September 30, 2024	$1.4B	5.17%	5.0	A+
June 30, 2024	$1.4B	6.30%	5.0	A
March 31, 2024	$1.4B	4.37%	5.0	A+
December 31, 2023	$1.5B	6.28%	5.0	A
September 30, 2023	$1.4B	6.20%	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 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 231

Part-Time Employees 0

Branch Locations 15

ATM Locations 3

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

3.32%

Return on Assets (ROA)

0.3632%

Return on Equity (ROE)

2.5925%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

1,538,769,700

Total Amount of Shares and Deposits

1,305,279,550

Total Shares and Deposits < 1 Year

1,237,640,333

Total Shares and Deposits 1 3 Years

55,400,061

Total Shares and Deposits > 3 Years

12,239,155

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

120,085,589

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

120,085,589

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

1,185,193,961

Total Interest Expense (Sum of items 6 8)

7,800,095

Share Certificates

10,741

Number of Accounts for Share Drafts

41,286

IRA KEOGH Accounts

2,124

Number of Accounts for Regular Shares

92,336

Money Market Shares

2,623

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)

161,321,498

Total Liabilities

1,332,809,348

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Beginnings Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Beginnings Credit Union

How 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

12-Month CD3.50%
24-Month CD3.50%
60-Month CD3.40%
Savings1.75%

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

Compare to Other Credit Unions

Beginnings Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Beginnings Credit Union Texas Ratio

Beginnings Credit Union Health Trend

Beginnings Credit Union CD Rates

Beginnings Credit Union Savings Rates

Beginnings Credit Union Business Savings Rates

Beginnings Credit Union Money Market Rates

Beginnings Credit Union Business Money Market Rates

Beginnings Credit Union Checking Rates

Beginnings Credit Union Business Checking Rates

Beginnings Credit Union Mortgage Rates

Beginnings Credit Union Home Equity & HELOC

Beginnings Credit Union Auto Loan Rates

Beginnings Credit Union RV, Boat and Powersport Loan Rates

Beginnings Credit Union Personal Loan Rates

Beginnings Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Beginnings Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Beginnings Credit Union

How many branches does Beginnings Credit Union operate?

Is a member application needed to join Beginnings Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Beginnings Credit Union offer online and mobile banking?

Current Beginnings Credit Union Rates

Compare to Other Credit Unions