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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Loan Rates

Borrow for what you need

Loan Rates

New & Used Autos

New & Used Autos
Effective Date: Thursday, October 3rd, 2024
TermRate
Up to 36 Months 4.99% – 15.55% APR*
37-48 Months 5.49% - 15.30% APR*
49 – 65 Months 5.99% –15.74% APR*
66 – 74 Months 6.24% – 16.74% APR*
75 – 84 Months 7.24% –11.24% APR*

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APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit
  • Any disclosures required by Regulation Z
  • A clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.

Unimproved Property (LTV up to 90%)

Unimproved Property (LTV up to 90%)
Effective Date: Thursday, October 3rd, 2024
TermDescription
Up to 10 Years Rates as low as 6.89% APR* (Call for more information)
Up to 15 Years Rates as low as 7.39% APR* (Call for more information)

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APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Home Equity (LTV up to 80%)

Home Equity (LTV up to 80%)
Effective Date: Thursday, October 3rd, 2024
TermDescription
Up to 10 Years Rates as low as 5.25% APR* (Call for more information)
Up to 15 Years Rates as low as 5.25% APR* (Call for more information)

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

First Mortgage

First Mortgage
Effective Date: Thursday, October 3rd, 2024
TermRate
15 Years Rates change frequently please call 281-471-1782
20 Years Rates change frequently please call 281-471-1782

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APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Unsecured Loans

Unsecured Loans
Effective Date: Thursday, October 3rd, 2024
NameRate
Any Time, Any Day Loan 7.95% - 11.45% APR
LOC 9.50% - 17.99% APR
Unsecured (under $10K) 11.49% - 17.99% APR
Unsecured (over $10K) 12.49% - 17.99% APR
Pay Day Loan 17.99% - 17.99% APR
Teacher Loan 2.25% - 9.24% APR

Share Secured

Share Secured
Effective Date: Thursday, October 3rd, 2024
TermRate
60 Months 3.25% APR* above Interest

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit
  • Any disclosures required by Regulation Z
  • A clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.

Credit Cards

Credit Cards
Effective Date: Thursday, October 3rd, 2024
TermRate
Beacon Blue Platinum MasterCard 13.05% – 18.00% APR*
6-month introductory rate 1.80% – 9.80% APR* balance transfers and purchases

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*APR = Annual Percentage Rate All Rates & Terms are subject to change without notice. Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit

  • Any disclosures required by Regulation Z

  • A clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number. Credit Cards: Variable rate account. Your rate will be determined by your credit score. After the 6-month introductory period ends, your APR will be based on your creditworthiness. The variable APR will vary with the market based on the Prime Rate and will not exceed 18.00%.

Line of Credit

Line of Credit
Effective Date: Thursday, October 3rd, 2024
Rate
9.50%-17.99% APR*

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit
  • Any disclosures required by Regulation Z
  • A clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.

New & Used Farm Equipment

New & Used Farm Equipment
Effective Date: Thursday, October 3rd, 2024
TermRate
Up to 48 Months 5.14% – 17.99% APR*
49 – 65 Months 6.85% – 17.99% APR*
66 – 74 Months 7.89% – 17.99% APR*
75 – 84 Months 9.00% – 12.75% APR*
85 – 120 Months 9.79% – 13.85% APR*
121 – 144 Months 10.74% – 15.60% APR*

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit
  • Any disclosures required by Regulation Z
  • A clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.

New & Used RV, Boat & Watercraft

New & Used RV, Boat & Watercraft
Effective Date: Thursday, October 3rd, 2024
TermRate
Up to 48 Months 6.19% – 17.99% APR*
49 – 65 Months 6.65% – 17.99% APR*
66 – 74 Months 7.45% – 17.99% APR*
75 – 84 Months 8.75% – 12.55% APR*
85 – 120 Months 9.59% – 13.65% APR*
121 – 144 Months 10.54% – 15.40% APR*
145-180 Months 11.54% - 16.40% APR*

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit
  • Any disclosures required by Regulation Z
  • A clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.

New & Used Motorcycles

New & Used Motorcycles
Effective Date: Thursday, October 3rd, 2024
TermRate
Up to 48 Months 5.19% – 16.95% APR*
49 – 65 Months 5.69% – 17.45% APR*
66 – 74 Months 6.69% – 17.95% APR*
75 – 84 Months 7.69% – 12.65% APR*

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit
  • Any disclosures required by Regulation Z
  • A clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.

Certificates

Certificates
Effective Date: Thursday, October 3rd, 2024
TermRate
Term of Certificate 3.25% APR* above Interest

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit
  • Any disclosures required by Regulation Z
  • A clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.

My First Auto Loan

**$250 cash back on every Auto Loan! 

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Youth Spending Accounts

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

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Scholarships

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

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