--- title: "Beacon Credit Union Rates (Nov 2026): CDs to 4.00%" description: "Beacon Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Beacon Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/beacon" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Beacon Credit Union Rates (Nov 2026): CDs to 4.00% ### Auto & vehicle rates 22 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 3.390% | 36 mo | Standard | | **We're Looking Out For You (Select Your Rate)** auto_any_65mo | — APR | 3.390% | 65 mo | Standard | | **New & Used Autos (Up to 36 Months)** auto_any_36mo | — APR | 3.390% | 36 mo · any | Standard | | **New & Used Auto** auto_any | — APR | 3.390% | any | Standard | | **Auto Loan** auto | — APR | 3.390% | — | Standard | | **New & Used Autos (37-48 Months)** auto_any_48mo | — APR | 3.890% | 48 mo · any | Standard | | **New & Used Autos (49 – 65 Months)** auto_any_65mo | — APR | 4.390% | 65 mo · any | Standard | | **New & Used Autos (66 – 74 Months)** auto_any_74mo | — APR | 4.890% | 74 mo · any | Standard | | **We're Looking Out For You (What's Your Loan Amount?)** auto_any_36mo | — APR | 4.990% | 36 mo | Standard | | **New & Used Motorcycles (Up to 48 Months)** motorcycle_any_48mo | — APR | 5.190% | 48 mo · any | Standard | | **New & Used Autos (75 – 84 Months)** auto_any_84mo | — APR | 5.390% | 84 mo · any | Standard | | **New & Used Motorcycles (49 – 65 Months)** motorcycle_any_65mo | — APR | 5.690% | 65 mo · any | Standard | | **New & Used RV, Boat & Watercraft (Up to 48 Months)** rv_any_48mo | — APR | 6.190% | 48 mo · any | Standard | | **New & Used RV, Boat & Watercraft (49 – 65 Months)** rv_any_65mo | — APR | 6.650% | 65 mo · any | Standard | | **New & Used Motorcycles (66 – 74 Months)** motorcycle_any_74mo | — APR | 6.690% | 74 mo · any | Standard | | **New & Used RV, Boat & Watercraft (66 – 74 Months)** rv_any_74mo | — APR | 7.450% | 74 mo · any | Standard | | **New & Used Motorcycles (75 – 84 Months)** motorcycle_any_84mo | — APR | 7.690% | 84 mo · any | Standard | | **New & Used RV, Boat & Watercraft (75 – 84 Months)** rv_any_84mo | — APR | 8.750% | 84 mo · any | Standard | | **Auto Loan** auto | — APR | 9.500% | — | Standard | | **New & Used RV, Boat & Watercraft (85 – 120 Months)** rv_any_120mo | — APR | 9.590% | 120 mo · any | Standard | | **New & Used RV, Boat & Watercraft (121 – 144 Months)** rv_any_144mo | — APR | 10.540% | 144 mo · any | Standard | | **New & Used RV, Boat & Watercraft (145-180 Months)** rv_any_180mo | — APR | 11.540% | 180 mo · any | Standard | Beacon Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity (LTV up to 80%) (Up to 10 Years)** heloc | — APR | 5.250% | — | Standard | | **Home Equity (LTV up to 80%) (Up to 15 Years)** heloc | — APR | 5.500% | — | Standard | Beacon Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Any Time, Any Day Loan** personal | — APR | 7.950% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 9.500% | — | Standard | | **LOC** personal | — APR | 9.500% | — | Standard | | **Unsecured (under $10K)** personal_unsecured | — APR | 11.490% | — | Standard | | **Unsecured (over $10K)** personal_unsecured | — APR | 12.490% | — | Standard | | **Pay Day Loan** personal | — APR | 17.990% | — | Standard | Beacon Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Cards (6-month introductory rate)** credit_card | — APR | 1.800% | — | Introductory offer | | **Credit Cards (Beacon Blue Platinum MasterCard)** credit_card_platinum | — APR | 11.550% | — | Standard | Beacon Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 28 offers | Product | Published | Rate | Term / condition | Status | | **Regular Shares** savings | — APY | 0.05% | — | Standard | | **Reward Checking – Qualified Account** checking | — APY | 0.05% | — | Standard | | **Christmas Club** savings | — APY | 0.05% | — | Specialty offer | | **IRA** ira | — APY | 0.15% | — | Standard | | **We're Looking Out For You (APY** up to)** savings | — APY | 0.15% | — | Standard | | **Roth IRA Savings** ira | — APY | 0.15% | — | Standard | | **Money Market** money_market | — APY | 0.80% | — | Standard | | **Money Market** money_market | — APY | 0.85% | — | Standard | | **Money Market** money_market | — APY | 0.95% | — | Standard | | **Reward Checking – Qualified Account** checking | — APY | 1.00% | — | Standard | | **Certificate** cd | — APY | 3.25% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.25% | 60 mo | Standard | | **24 mos. Roth IRA Cert** ira | 3.50% APY | 3.45% | 24 mo | Standard | | **60 mos. Roth IRA Cert** ira | 3.50% APY | 3.45% | 60 mo | Standard | | **48 mos. Roth IRA Cert** ira | 3.50% APY | 3.45% | 48 mo | Standard | | **24 mos. Cert** cd_24mo | 3.50% APY | 3.45% | 24 mo | Standard | | **36 mos. Cert** cd_36mo | 3.50% APY | 3.45% | 36 mo | Standard | | **36 mos. Roth IRA Cert** ira | 3.50% APY | 3.45% | 36 mo | Standard | | **48 mos. Cert** cd_48mo | 3.50% APY | 3.45% | 48 mo | Standard | | **60 mos. Cert** cd_60mo | 3.50% APY | 3.45% | 60 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.75% | 18 mo | Standard | | **6 mos. Cert** cd_6mo | 3.75% APY | 3.69% | 6 mo | Standard | | **18 mos. Cert** cd_18mo | 3.75% APY | 3.69% | 18 mo | Standard | | **6 mos. Roth IRA Cert** ira | 3.75% APY | 3.69% | 6 mo | Standard | | **18 mos. Roth IRA Cert** ira | 3.75% APY | 3.69% | 18 mo | Standard | | **12 mos. Cert** cd_12mo | 4.00% APY | 3.93% | 12 mo | Standard | | **12 mos. Roth IRA Cert** ira | 4.00% APY | 3.93% | 12 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.99% | 36 mo | Standard | Beacon Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Farm Equipment (Up to 48 Months)** equipment_48mo | — APR | 5.140% | — | Standard | | **New & Used Farm Equipment (49 – 65 Months)** equipment_65mo | — APR | 6.850% | — | Standard | | **New & Used Farm Equipment (66 – 74 Months)** equipment_74mo | — APR | 7.890% | — | Standard | | **New & Used Farm Equipment (75 – 84 Months)** equipment_84mo | — APR | 9.000% | — | Standard | | **New & Used Farm Equipment (85 – 120 Months)** equipment_120mo | — APR | 9.790% | — | Standard | | **New & Used Farm Equipment (121 – 144 Months)** equipment_144mo | — APR | 10.740% | — | Standard | Beacon Credit Union equipment loan rates as of November 12, 2026 ### Other rates 6 offers | Product | Published | Rate | Term / condition | Status | | **We're Looking Out For You** other | — % | 0.150% | — | Standard | | **6-Month Introductory Rate** other | — % | 1.800% | — | Introductory offer | | **Teacher Loan** other | — % | 2.250% | — | Standard | | **We're Looking Out For You (APR* as low as)** other | — % | 3.390% | — | Standard | | **Unimproved Property (LTV up to 90%) (Up to 10 Years)** other | — % | 6.890% | — | Standard | | **Unimproved Property (LTV up to 90%) (Up to 15 Years)** other | — % | 7.390% | — | Standard | Beacon Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/beacon) , verified from [Beacon Credit Union's official website](https://beaconfed.org/) Loading branch locator… ## About Beacon Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 14.2K Assets $209.1M Founded 1949 Locations reported 4 NCUA charter 6062 Charter type Federal 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 - Student scholarships - Payday Alternative Loans I 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. [**Ila 1351** ILA 1351 Federal Credit Union · La Porte · TX · 77571 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/ila-1351) [**Shell** La Porte · La Porte · TX · 77571 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/shell) [**U. S. I.** USI Federal Credit Union · La Porte · TX · 77571 About 2.0 miles away](https://rateapi.dev/credit-unions/texas/u-s-i) [**City of Deer Park** Main Office · Deer Park · TX · 77536 About 4.0 miles away](https://rateapi.dev/credit-unions/texas/city-of-deer-park) [**Associated Credit Union of Texas** Deer Park · Deer Park · TX · 77536-3409 About 4.2 miles away](https://rateapi.dev/credit-unions/texas/associated-credit-union-of-texas) [**Lubrizol Employees'** Lubrizol Employees' CU · Deer Park · TX · 77536-2735 About 4.2 miles away](https://rateapi.dev/credit-unions/texas/lubrizol-employees) 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 Credit Union Membership eligibility from Beacon Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Beacon Credit Union's website. Check the membership page below to confirm whether you qualify. - Location TX Verified from [Beacon Credit Union's membership page](https://beaconfed.org/connect/join-now) . Final membership determination is always made by the credit union. ## Membership rules for Beacon Credit Union Geography 1 county · Family 38 published paths to membership, last verified November 8, 2026, quoted from Beacon Credit Union’s own published criteria. ### Geography 10 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Baytown, TX - Deer Park, TX - Friendswood, TX - Harris County, TX - La Porte, TX - Pasadena, TX - Pearland, TX - Seabrook, TX - South Houston, TX - Webster, TX “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Harris County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member spouse, parent, child, sibling, grandparent, grandchild “You can also join if you’re an immediate family member (spouse, parent, child, sibling, grandparent, or grandchild) of a current Beacon FCU member and are living in your residence that you maintain as a single economic unit.” > [source ↗](https://beaconfed.org/connect/join-now) - Family member (spouse, parent, child, sibling, grandparent, grandchild) 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 Credit Union? Yes No ## Work at Beacon 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 Credit Union ranks against Texas peers. - See which AI assistants fetched Beacon Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=beacon&state=texas&code=TX&name=Beacon%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Beacon Credit Union offer? Beacon Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card 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 Credit Union rates updated? RateAPI verifies Beacon 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 Credit Union's rate data? Rate data is collected directly from Beacon 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 Credit Union's best CD rate? As of November 12, 2026, Beacon Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Beacon Credit Union? Beacon Credit Union publishes its membership criteria on its own website. RateAPI tracks 38 published membership paths covering 1 county for Beacon Credit Union, each quoted from Beacon Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Beacon Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://beaconfed.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 Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 Credit Union curl "https://api.rateapi.dev/credit-unions/texas /beacon " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Beacon Credit Union locations Search, filter, and browse all 4 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/texas/beacon Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp