Our loan rates help you get more done.

At Beacon Federal Credit Union, we're committed to providing fantastic value to our members in the La Porte, Baytown, Seabrook, and Deer Park, Texas, areas that we serve. Whether you're looking for an auto loan, personal loan, or credit card, start with Beacon.

Term Rate
Up to 36 Months 3.99% – 14.55% APR*
37-48 Months 4.49% - 14.55% APR*
49 – 65 Months 4.99% –14.74% APR*
66 – 74 Months 5.24% – 15.74% APR*
75 – 84 Months 6.24% –10.24% APR*

Term Rate
Up to 48 Months 4.19% – 15.95% APR*
49 – 65 Months 4.69% – 16.45% APR*
66 – 74 Months 5.69% – 16.95% APR*
75 – 84 Months 6.69% – 11.65% APR*

Inquire for additional terms. Some discounts apply.

Term Rate
Up to 48 Months 5.19% – 17.99% APR*
49 – 65 Months 5.65% – 17.99% APR*
66 – 74 Months 6.45% – 17.99% APR*
75 – 84 Months 7.75% – 11.55% APR*
85 – 120 Months 8.59% – 12.65% APR*
121 – 144 Months 9.54% – 14.40% APR*
145-180 Months 10.54% - 15.40% APR*

Inquire for additional terms.

Term Rate
Up to 48 Months 4.14% – 17.99% APR*
49 – 65 Months 5.85% – 17.99% APR*
66 – 74 Months 6.89% – 17.99% APR*
75 – 84 Months 8.00% – 11.75% APR*
85 – 120 Months 8.79% – 12.85% APR*
121 – 144 Months 9.74% – 14.60% APR*

Inquire for additional terms.

Rates 9.50% – 17.99% APR*

Term Rate
Anytime Any Day Loan 7.20% – 10.70% APR*
Unsecured up to $10,000 (up to 48 months) 10.49% – 17.99% APR*
Unsecured $10,000.01 to $35,000 (up to 60 months) 11.49% – 17.99% APR*
Pay Day Loan (60-day term) 17.99% – 17.99% APR*
Teacher Loan (12-month term) 2.25% – 9.24% APR*

Term Rate
Beacon Blue Platinum MasterCard 12.05% – 18.00% APR*
6-month introductory rate 1.80% – 9.80% APR* balance transfers and purchases

Term Rate
60 Months 3.25% APR* above Dividend

Term Rate
Term of Certificate 3.25% APR* above Interest

Term Rate
15 Years Rates change frequently please call 281-471-1782
20 Years Rates change frequently please call 281-471-1782

Apply Online

Term Rate
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)

Term Rate
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)

† There are no other discounts available for this rate.

*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%.

Rates quoted as of 12/15/2022

Home Loans

​We offer a variety of home loans to help you purchase the home of your dreams!

Home Loans

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