--- title: "Beacon Community Credit Union: #1 Mortgage in Kentucky" description: "Beacon Community Credit Union has the lowest tracked 30-year fixed mortgage rate in Kentucky (6.54% APR) among 8 credit unions we verify. Beacon Community Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Beacon Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kentucky/beacon-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Beacon Community Credit Union: #1 Mortgage in Kentucky ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | Beacon Community Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Beacon Community Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kentucky/beacon-community) , verified from [Beacon Community Credit Union's official website](https://www.beaconccu.org/) Best product position **#1 of 8** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **46 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Kentucky markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | #1 of 8 · lowest in Kentucky | State market leader | 46 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Beacon Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=beacon-community&state=kentucky&code=KY&name=Beacon%20Community%20Credit%20Union) Loading branch locator… ## About Beacon Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8.9K Assets $70.7M Founded 1947 Locations reported 3 NCUA charter 60883 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Class Act** Doss High School Branch · Louisville · KY · 40214-4017 About 1.8 miles away](https://rateapi.dev/credit-unions/kentucky/class-act) [**L & N** SOUTHERN PARKWAY · LOUISVILLE · KY · 40214 About 2.4 miles away](https://rateapi.dev/credit-unions/kentucky/l-n) [**Transcend** Dixie · Shively · KY · 40216 About 3.0 miles away](https://rateapi.dev/credit-unions/kentucky/transcend) [**Park** Dixie Office · Louisville · KY · 40258 About 3.3 miles away](https://rateapi.dev/credit-unions/kentucky/park) [**Young Community** Branch 01 · Louisville · KY · 40216 About 4.6 miles away](https://rateapi.dev/credit-unions/kentucky/young-community) [**Commonwealth** Cane Run Road Branch · Louisville · KY · 40216 About 4.7 miles away](https://rateapi.dev/credit-unions/kentucky/commonwealth) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Beacon Community Credit Union Membership eligibility from Beacon Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Beacon Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location floyd, clark — IN Verified from [Beacon Community Credit Union's membership page](https://www.beaconccu.org/) . Final membership determination is always made by the credit union. ## Membership rules for Beacon Community Credit Union Geography 2 counties · Family 11 published paths to membership, last verified October 11, 2026, quoted from Beacon Community Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Clark County, IN - Floyd County, IN “You are eligible for membership if you live, work, worship, volunteer or go to school in the Louisville Metro Area, KIPDA, Bluegrass, Lincoln Trail or Northern Kentucky Area Development Districts, as well as Floyd or Clark County, Indiana, and desire membership in Beacon Community Credit Union.” > [source ↗](https://www.beaconccu.org/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Family of a member immediate family, household member “Eligibility is also extended to you if someone in your immediate family or household is currently a member of the credit union.” > [source ↗](https://www.beaconccu.org/) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Beacon Community Credit Union? Yes No ## Work at Beacon Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Beacon Community Credit Union ranks against Kentucky peers. - See which AI assistants fetched Beacon Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kentucky - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=beacon-community&state=kentucky&code=KY&name=Beacon%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Beacon Community Credit Union offer? Beacon Community Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Beacon Community Credit Union rates updated? RateAPI verifies Beacon Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Beacon Community Credit Union's rate data? Rate data is collected directly from Beacon Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Beacon Community Credit Union's mortgage rate? As of November 12, 2026, Beacon Community Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Beacon Community Credit Union? Beacon Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 2 counties for Beacon Community Credit Union, each quoted from Beacon Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Beacon Community Credit Union's rates against national credit-union benchmarks. [More Kentucky credit unions](https://rateapi.dev/credit-unions/kentucky) [Kentucky mortgage rate leaders](https://rateapi.dev/mortgage-rates/kentucky) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.beaconccu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Beacon Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kentucky credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Beacon Community Credit Union curl "https://api.rateapi.dev/credit-unions/kentucky /beacon-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Beacon Community Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/kentucky/beacon-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp