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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Rates

Earn more while spending less

Beacon FCU beats the banks on deposit and loan rates

Whether you come to Beacon Federal Credit Union for a loan or to open a savings or checking account, you’ll find that we offer members better rates than traditional banks.

Check out our Deposit and Loan rates and you’ll see how Beacon provides tremendous value.

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Deposit Rates

Build your savings.

Whether you’re building short or long-term savings, Beacon FCU’s deposit rates are always working in your favor.

Rates are effective October 10, 2024 and are subject to change.

Savings Accounts

Savings Accounts
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
Regular Shares $100.00 0.05% 0.05%
Money Market $10,000 – $24,999.99 0.85% 0.85%
Money Market $25,000+ 0.95% 0.95%
Money Market < $10,000 0.80% 0.80%
Christmas Club $5.00 0.05% 0.05%
Vacation Club $5.00 0.05% 0.05%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. All Rates & Terms are subject to change without notice.

Checking Accounts

Checking Accounts
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
Checking Account $0 0.00% 0.00%
Reward Checking – Qualified Accounts $0 – $20,000 1.00% 1.00%
Reward Checking – Qualified Accounts over $20,000.01 0.05% 0.05%
Reward Checking – Non-Qualified Accounts any 0.00% 0.00%
Club Checking $0 0.00% 0.00%
Fresh Start Checking $25.00 0.00% 0.00%
Youth Spending $0 0.00% 0.00%

Open an Account

*APY = Annual Percentage Yield Minimum balance required to earn the advertised annual percentage yield. All Rates & Terms are subject to change without notice.

Vision Reward Checking Account – qualifications must be met. See account details for more information. Takes them to our vision rewards page where we have the following disclosures: 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.

IRA Savings Accounts

IRA Savings Accounts
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
IRA Savings $5.00 0.15% 0.15%
Roth IRA Savings $5.00 0.15% 0.15%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. A penalty will be charged for early withdrawal. All Rates & Terms are subject to change without notice.

Certificate

Certificate
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
6 mos. Cert $1,000.00 4.17% 4.25%
12 mos. Cert $1,000.00 4.17% 4.25%
18 mos. Cert $1,000.00 4.22% 4.30%
24 mos. Cert $1,000.00 3.69% 3.75%
36 mos. Cert $1,000.00 3.20% 3.25%
48 mos. Cert $1,000.00 3.11% 3.15%
60 mos. Cert $1,000.00 3.20% 3.25%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. A penalty will be charged for early withdrawal. All Rates & Terms are subject to change without notice

 

Jumbo Certificates: $90,000 minimum; rates vary.

 

Youth Certificates: minimum balance is $500.00.

IRA Certificate

IRA Certificate
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
6 mos. IRA Cert $1,000.00 4.26% 4.35%
12 mos. IRA Cert $1,000.00 4.17% 4.25%
18 mos. IRA Cert $1,000.00 3.74% 3.80%
24 mos. IRA Cert $1,000.00 3.69% 3.75%
36 mos. IRA Cert $1,000.00 3.30% 3.50%
48 mos. IRA Cert $1,000.00 3.20% 3.25%
60 mos. IRA Cert $1,000.00 3.20% 3.25%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. A penalty will be charged for early withdrawal. All Rates & Terms are subject to change without notice.

 

Jumbo Certificates: $90,000 minimum; rates vary.

 

Youth Certificates: minimum balance is $500.00.

 

Roth IRA Certificate

Roth IRA Certificate
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
6 mos. Roth IRA Cert $1,000.00 4.17% 4.25%
12 mos. Roth IRA Cert $1,000.00 4.65% 4.75%
18 mos. Roth IRA Cert $1,000.00 4.70% 4.80%
24 mos. Roth IRA Cert $1,000.00 4.70% 4.80%
36 mos. Roth IRA Cert $1,000.00 3.20% 3.25%
48 mos. Roth IRA Cert $1,000.00 3.35% 3.40%
60 mos. Roth IRA Cert $1,000.00 3.44% 3.50%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. A penalty will be charged for early withdrawal. All Rates & Terms are subject to change without notice.

 

Jumbo Certificates: $90,000 minimum; rates vary.

 

Youth Certificates: minimum balance is $500.00.

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Loan Rates

Borrow for what you need.

 

Want to borrow for a home mortgage, vehicle purchase, a line of credit or something else? You’ll find very favorable loan rates at Beacon FCU.

Rates are effective October 10, 2024 and are subject to change.

New & Used Autos

New & Used Autos
Effective Date: Thursday, October 10th, 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*

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.

Unimproved Property (LTV up to 90%)

Unimproved Property (LTV up to 90%)
Effective Date: Thursday, October 10th, 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)

Apply Now

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 10th, 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 10th, 2024
TermRate
15 Years Rates change frequently please call 281-471-1782
20 Years Rates change frequently please call 281-471-1782

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Unsecured Loans

Unsecured Loans
Effective Date: Thursday, October 10th, 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 10th, 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 10th, 2024
TermRate
Beacon Blue Platinum MasterCard 13.05% – 18.00% APR*
6-month introductory rate 1.80% – 9.80% APR* balance transfers and purchases

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: 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 10th, 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 10th, 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 10th, 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 10th, 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 10th, 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! 

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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