--- title: "Beach Municipal Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Beach Municipal 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 Beach Municipal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/beach-municipal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Beach Municipal Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 9 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 | | **15-Year Fixed** 15 year fixed | 6.765% APR | 6.500% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.965% APR | 6.750% | — | Standard | | **7/1 ARM** 7 1 arm | 7.091% APR | 6.750% | — | Standard | | **5/1 ARM** 5 1 arm | 7.137% APR | 6.750% | — | Standard | | **3/1 ARM** 3 1 arm | 7.502% APR | 7.875% | — | Standard | Beach Municipal Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Beach Municipal Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/beach-municipal) , verified from [Beach Municipal Credit Union's official website](https://www.beachmunicipal.org/) Best product position **Better than the Virginia median** 30-year fixed mortgage Gap to state best **23 bp** 23 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Virginia median | 23 bp from state best | 41 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Beach Municipal 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=beach-municipal&state=virginia&code=VA&name=Beach%20Municipal%20Credit%20Union) Loading branch locator… ## About Beach Municipal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9K Assets $194.6M Founded 1970 Locations reported 2 NCUA charter 20394 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Student scholarships - 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. [**Abnb** Little Neck · Virginia Beach · VA · 23452 About 0.5 miles away](https://rateapi.dev/credit-unions/virginia/abnb) [**Bayport** Little Neck Branch · Virginia Beach · VA · 23452 About 0.6 miles away](https://rateapi.dev/credit-unions/virginia/bayport) [**Navy Federal Credit Union** Pembroke-VA Beach · Virginia Beach · VA · 23452 About 1.2 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Chartway** Lynnhaven · Virginia Beach · VA · 23452-7408 About 1.6 miles away](https://rateapi.dev/credit-unions/virginia/chartway) [**Va Beach Postal** Virginia Beach Postal FCU · Virginia Beach · VA · 23452-7306 About 1.8 miles away](https://rateapi.dev/credit-unions/virginia/va-beach-postal) [**Langley FCU** Virginia Beach Town Center · Virginia Beach · VA · 23462 About 2.5 miles away](https://rateapi.dev/credit-unions/virginia/langley-fcu) 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 Beach Municipal Credit Union Membership eligibility from Beach Municipal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Beach Municipal Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer City of Virginia Beach, Virginia Beach City Public Schools, Adult Learning Center - Association Organizations of these individuals, boards and commissions of the City of Virginia Beach Verified from [Beach Municipal Credit Union's membership page](https://www.beachmunicipal.org/about-us/who-can-join) . Final membership determination is always made by the credit union. ## Membership rules for Beach Municipal Credit Union Employers 5 · Associations 2 · Family 2 9 published paths to membership, last verified August 21, 2026, quoted from Beach Municipal Credit Union’s own published criteria. ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of City of Virginia Beach “Full and part-time employees of the City of Virginia Beach and Virginia Beach City Public Schools , including the Adult Learning Center .” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Employee of City of Virginia Beach - Employee of Virginia Beach City Public Schools “Full and part-time employees of the City of Virginia Beach and Virginia Beach City Public Schools , including the Adult Learning Center .” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Employee of Virginia Beach City Public Schools - Employee of Adult Learning Center “Full and part-time employees of the City of Virginia Beach and Virginia Beach City Public Schools , including the Adult Learning Center .” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Employee of Adult Learning Center - Retired employee of City of Virginia Beach “Persons retired as pensioners from the City of Virginia Beach or Virginia Beach City Public Schools.” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Retiree of City of Virginia Beach - Retired employee of Virginia Beach City Public Schools “Persons retired as pensioners from the City of Virginia Beach or Virginia Beach City Public Schools.” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Retiree of Virginia Beach City Public Schools ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Organizations of these individuals “Organizations of these individuals.” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Member of Organizations of these individuals - Member of boards and commissions of the City of Virginia Beach “Appointed members of boards and commissions of the City of Virginia Beach.” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Member of boards and commissions of the City of Virginia Beach ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse “Spouses of persons who died while within the field of membership of this Credit Union.” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Family member (spouse) of a member - Family of a member spouse, child, sibling, parent, grandparent, grandchild, step-parent, step-child, step-sibling “Members of their immediate families , defined as spouse, child, sibling, parent, grandparent or grandchild. For the purposes of this definition, this also includes step-parents, step-children, step-siblings and adoptive relationships.” > [source ↗](https://www.beachmunicipal.org/about-us/who-can-join) - Family member (spouse, child, sibling, parent, grandparent, grandchild, step-parent, step-child, step-sibling) 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 Beach Municipal Credit Union? Yes No ## Work at Beach Municipal 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 Beach Municipal Credit Union ranks against Virginia peers. - See which AI assistants fetched Beach Municipal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=beach-municipal&state=virginia&code=VA&name=Beach%20Municipal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Beach Municipal Credit Union offer? Beach Municipal 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 Beach Municipal Credit Union rates updated? RateAPI verifies Beach Municipal 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 Beach Municipal Credit Union's rate data? Rate data is collected directly from Beach Municipal 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 Beach Municipal Credit Union's mortgage rate? As of November 12, 2026, Beach Municipal Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Beach Municipal Credit Union? Beach Municipal Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 5 employers and 2 associations for Beach Municipal Credit Union, each quoted from Beach Municipal Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Beach Municipal Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia mortgage rate leaders](https://rateapi.dev/mortgage-rates/virginia) [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.beachmunicipal.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 Beach Municipal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia 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 Beach Municipal Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /beach-municipal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Beach Municipal Credit Union locations Search, filter, and browse all 2 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/virginia/beach-municipal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp