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Loan Rates

Borrow for what you need

Loan Rates

New & Used Autos

New & Used Autos
Effective Date: Monday, December 2nd, 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: Monday, December 2nd, 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: Monday, December 2nd, 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)

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APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

First Mortgage

First Mortgage
Effective Date: Monday, December 2nd, 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: Monday, December 2nd, 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: Monday, December 2nd, 2024
TermRate
60 Months 3.25% APR* above Interest

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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

Credit Cards
Effective Date: Monday, December 2nd, 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: Monday, December 2nd, 2024
Rate
9.50%-17.99% 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.

New & Used Farm Equipment

New & Used Farm Equipment
Effective Date: Monday, December 2nd, 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: Monday, December 2nd, 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: Monday, December 2nd, 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: Monday, December 2nd, 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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