Service is our Specialty
Beacon Federal Credit Union is looking out for you by offering numerous services to help streamline your banking and make your life a little bit easier.
Take advantage of these personalized or automated services and discover the convenience of banking with Beacon.
Check Reorders
Easy to order
When you’re ready to reorder Beacon FCU checks, you can simply:
- Use our convenient online check-ordering service, or
- Visit a Beacon FCU location near you and talk with a friendly team member.
Credit Navigator
Help to improve your credit score
Beacon FCU is looking out for you helping to improve your credit score.
Beacon Credit Navigator is a unique web-based, digital credit counselor that can create a personalized roadmap to help position you for credit success.
Whether you’re looking to get approved for a loan or seeking to obtain a credit card, the digital credit counselor can offer personalized recommendations to address the key factors that contribute to improving your credit over time.
Qualifying for a loan tomorrow starts with having a plan today.
Direct Deposit
Quickly get your paycheck
Sign up for direct deposit and quickly send your paycheck into your account. Get faster access to funds for spending and bill paying.
Here’s how to get started:
- Tell your employer's human resource department you want Direct Deposit
- Depository Name: Beacon Federal Credit Union
- P.O. Box 1704, La Porte, TX 77572-1704
- Give them Beacon FCU's ABA Routing number: 313085495
- You will need to provide your checking or saving account number
- You can also spread your salary among different accounts by using Payroll Deduction.
Disclosure Forms
Important information
Find all the Beacon FCU disclosures and policies you need, in one convenient place.
E-Services
Online services at your fingertips
Beacon FCU offers number of convenient ways to handle your banking needs simply by using your smartphone or by going online.
You can view financial statements online, reorder checks, skip loan payments and much more. Make your life less complicated and free up time for other activities.
Fee Schedule
Transparency is key
Our comprehensive fee schedule provides transparency and shows the great value of a Beacon FCU membership.
Insurance Services
Protect what's important
Beacon FCU is looking out for you and your family by providing affordable insurance protection for those times when things don’t go as planned.
We offer the following insurance services:
- TruStage® Life Insurance
- TruStage® Health Insurance
- Vehicle Protection
- Auto Loan Protection
- Guaranteed Asset Protection
- Beacon Insurance
Investment Services
Plan for your future
Beacon FCU has partnered with Osaic Investment Services, LLC to offer members complete financial planning services and help guide you toward long-term success.
Payroll Deduction
Take control of your money
At Beacon FCU, you’re in control of where your funds are deposited.
When we receive your paycheck through Direct Deposit, you can choose to place funds into your savings or make a monthly loan payment.
- No charge for Payroll Deduction services
- Works with Direct Deposit of paychecks
- Schedule deductions from each paycheck or arrange periodic payments
- Build up your savings account balance
- Arrange loan payments
- Move funds to your Money Market account
To enroll in this service, simply visit a Beacon FCU location near you and talk with a friendly team member.
Pay My Loan
Pay at your convenience
Make your loan payments anytime, anywhere, quickly and securely from your desktop or mobile devices. All you need is your bank routing number and account number.
- Use your debit card to make a loan payment
- User-friendly interface
- Schedule recurring payments
- Instant Account Verification for supported financial institutions
- Easily pay your RELN (Real Estate Loan)
- $4.95 fee associated with one-time payments
Skip-a-Pay
Here to help you
If you find yourself in a situation when you need to catch up on bills or pay for other necessities, we allow members to skip a payment on a Beacon FCU loan.
Simply log in to Online Banking to manage your loan payments:
- Two Skip a Pays allowed per calendar year.
- Once you have logged in, click on the “Skip My Payment” tab to see which loans are eligible.*
- A fee will be assessed for each skipped payment. Interest on the loan will continue to accrue.**
Student Loans - Sallie Mae
Private student loans
A Sallie Mae private student loan can help you pay for college, professional training or a certificate course.
Youth Spending Accounts
Safe accounts for your kids
Beacon FCU is excited to help cultivate positive financial habits for teenagers.
Teens can open a Youth Spending account to begin growing a sense of financial independence. It comes with loads of cool features as well as scholarship and volunteer opportunities.
These accounts require a parent of legal guardian to co-sign as a joint owner.
Other Services
We're here to help
Call Beacon Federal Credit Union at 281.471.1782 or toll-free at 800.868.6939 to inquire about the additional services below. You can also learn more by visiting a Beacon FCU location near you.
- Wire Transfer
- Night Deposit
- Notary Services
*The following loans are not eligible: Wilson Loan, Line of Credit, Real Estate, Credit Cards, Single Payment, Share and Certificate Secured. Collateralized loans with an original term greater than 84 months are not eligible. By participating in the Skip-A-Pay program, you request that your loan payment be deferred. You agree and understand that: 1) the payment deferral will extend the term(s) of the loan(s); 2) interest will continue to accrue on the principal balance at the interest rate provided in the original loan agreement. For members who have Guaranteed Asset Protection (GAP), coverage does not extend to the amount of the payment deferred. Also, you agree that by skipping your payment, your original GAP waiver election remains in effect. We reserve the right to decline any request. Beacon FCU reserves the right to discontinue this program at any time without notice. Other restrictions may apply.
**A fee will be assessed per loan. Interest and finance charges will continue to accrue on your loan(s) during the month you skip your payment, and the term of your loan(s) will be extended. The $40 processing fee per loan must be available in your Share Savings or Share Draft Checking account and paid the day of the request to skip your payment. Two skip-a-payment requests are allowed in one calendar year (must allow one month in between skips). Loan balances greater than $65K are not eligible for Skip A Pay product. Other restrictions may apply.
Youth Spending Accounts
- No monthly fees
- Your own ATM/Debit Card
- Online and mobile banking
- Scholarship opportunities
- Ages 10-18
Scholarships
You’ve got class. We’ve got cash! Apply today: One of three $2,000 scholarships or One of three $1,000 scholarships!