In observance of Columbus Day, our La Porte, Baytown, Seabrook offices, and the Call Center will be CLOSED on Monday, October 14, 2024. 

HEB Deer Park location will be OPEN. 

Regular Hours will Resume Tuesday, October 15, 2024.

 

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Checking

Beacon FCU checking comes with convenience, rewards and opportunity.

Open an Account

Better checking begins with Beacon

Looking for a basic checking account to manage your money, or something more rewarding?

No matter what type of checking you seek, Beacon FCU’s got you covered with several different account choices.

Although each option is designed to suit different member needs and goals, all Beacon FCU checking accounts share these great features:

money iconAccess to thousands of ATMs nationwide and across the globe

money iconDebit card with chip technology for added security. Add it digitally to your Apple or Android wallet

money iconMonthly eStatements detailing your account activity

 

 

Which checking account is right for you? Check out your options and meet your match.

 

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Checking

Simple.  Smart.  Streamlined.

A Beacon Checking account is perfect for members who want an account that’s easy to manage with a few digital tools for convenience.

  • No monthly fees
  • No minimum balance
  • Free Online Banking with Electronic Bill Pay
  • Free Mobile Banking app
  • Access to thousands of ATMs nationwide and across the globe
  • Visa ATM card with chip technology for added security
  • Monthly eStatements detailing your account activity

Open an Account

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Vision Rewards Checking

Spend, deposit, and watch your money grow.

With a Vision Rewards Checking account, you can earn extra cash simply by making monthly debit card purchases and taking other simple steps.

You can earn:

  • 1.00% APY* on balances up to $20,000
  • 0.05% APY* on balances over $20,000
  • 0.00% APY* if requirements are not met

It’s easy to meet the requirements for earning money through Vision Rewards Checking:

  • Complete 12 debit card purchases that post to and clear your Beacon FCU account within the monthly qualification cycle.
  • Activate one continuous ACH Direct Deposit or Auto Debit which posts to and clears Vision Reward account during monthly qualification cycle.
  • Enroll in and receive monthly eStatements.

* Annual Percentage Yield

 

Courtesy Pay and Overdraft privileges are only available on accounts in good standing. Rate quoted as of January 8, 2024. Rates and monthly qualification cycle dates are subject to change without notice. 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. 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.

** Transactions must be cleared by the qualification end date.

Open an Account

Monthly Qualification Cycle Dates
Beginning Date End Date
June 29, 2024 July 30, 2024
July 31, 2024 August 30, 2024
August 31, 2024 September 28, 2024
September 29, 2024 October 30, 2024
October 31, 2024 November 29, 2024
November 30, 2024 December 30, 2024
December 31, 2024 January 30, 2025

Courtesy Pay and Overdraft privileges are only available on accounts in good standing. Rate quoted as of January 8,2024. Rates and monthly qualification cycle dates are subject to change without notice. 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. 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.
 

** Transactions must be cleared by the qualification end date.

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Youth Spending Account

Spending account for the cool kids on the block.

Beacon FCU is excited to help cultivate positive financial habits for your teen or child.

Help your teen grow a sense of independence while learning to manage money by opening a Youth Spending account. It comes with loads of cool features as well as scholarship and volunteer opportunities.

  • Tweens and Teens ages 10-18 eligible*
  • No monthly service charge
  • No minimum balance requirement
  • Visa ATM/Check card**
  • Volunteer opportunities
  • Financial education seminars
  • Scholarships*** offered annually

Open an Account

*A parent or legal guardian is required to co-sign as a joint owner on the account.

 

** Maximum $300 daily card limit.

 

***Scholarships are offered to local graduating seniors only. Applications for scholarships are available at each Beacon Federal Credit Union office location. Other rules and qualifications apply.

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Fresh Start Checking

Beacon believes in second chances.

Everyone makes mistakes. If you’ve run up a sizeable debt or have had other financial issues, our Fresh Start Checking account can help you get back on track.

  • Minimum balance $25
  • Monthly fee of $12
  • Debit card available at no charge
  • Electronic Bill Pay services available
  • Fast track your paycheck into your account with Direct Deposit
  • Coverage for up to five insufficient fund fees to a Maximum of 5 NSFs allowed in a rolling 6-month period
  • Complete a free Debit in Focus financial education program

Open an Account

My First Auto Loan

**$250 cash back on every Auto Loan! 

Learn More

Youth Spending Accounts

  • No monthly fees
  • Your own ATM/Debit Card
  • Online and mobile banking
  •  Scholarship opportunities
  • Ages 10-18

Learn More

Scholarships

You’ve got class. We’ve got cash! Apply today: One of three $2,000 scholarships or One of three $1,000 scholarships!

Learn More

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