Loan Rates

New & Used Autos

Effective Date: Friday, October 31st, 2025

Term	Rate
Up to 36 Months	4.49% – 15.05% APR*
37-48 Months	4.99% - 15.05% APR*
49 – 65 Months	5.49% –15.24% APR*
66 – 74 Months	5.74% – 16.24% APR*
75 – 84 Months	6.24% –10.24% 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%)

Effective Date: Friday, October 31st, 2025

Term	Description
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.

Term

Description

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%)

Effective Date: Friday, October 31st, 2025

Term	Description
Up to 10 Years	Rates as low as 5.25% APR* (Call for more information)
Up to 15 Years	Rates as low as 5.50% APR* (Call for more information)
Apply Now APR = Annual Percentage Rate All Rates & Terms are subject to change without notice.

Term

Description

Up to 10 Years

Rates as low as 5.25% APR* (Call for more information)

Up to 15 Years

Rates as low as 5.50% APR* (Call for more information)

Apply Now

APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

First Mortgage

Effective Date: Friday, October 31st, 2025

Term	Rate
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.

Term

Rate

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

Effective Date: Friday, October 31st, 2025

Name	Rate
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

Effective Date: Friday, October 31st, 2025

Term	Rate
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.

Term

Rate

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

Effective Date: Friday, October 31st, 2025

Term	Rate
Beacon Blue Platinum MasterCard	12.05% – 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%.

Term

Rate

Beacon Blue Platinum MasterCard

12.05% – 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

Effective Date: Friday, October 31st, 2025

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.

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

Effective Date: Friday, October 31st, 2025

Term	Rate
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

Effective Date: Friday, October 31st, 2025

Term	Rate
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

Effective Date: Friday, October 31st, 2025

Term	Rate
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

Effective Date: Friday, October 31st, 2025

Term	Rate
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.

Term

Rate

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.