Earn More From Your Savings
Beacon Credit Union Deposit Rates
Compare current rates on savings accounts, money markets, CDs, and more to make the most of your deposits.
CONSUMER CHECKING ACCOUNTS
| Choice Plus Checking — Minimum to Open: $25 | |||
|---|---|---|---|
| Tier | Balance to Earn APY1 | Dividend Rate | APY1 |
| 1 | $0.01 to $2,500 | 4.94% | 5.05% |
| $2,500.01 & Greater | 0.05% | 5.05% - 0.06% | |
| Additional qualification must be met to earn Tier 1 dividend. Click here to see requirements. | |||
| 2 | $0.01 to $5,000 | 6.85% | 7.07% |
| $5,000.01 & Greater | 0.05% | 7.07% - 0.12% | |
| Additional qualification must be met to earn Tier 2 dividend. Click here to see requirements. | |||
| Dividends Compounded: Monthly. | |||
| Preferred Checking — Minimum to Open: $25 | ||
|---|---|---|
| Balance to Earn APY1 | Dividend Rate | APY1 |
| $200 ADB* | 0.05% | 0.05% |
| Dividends Compounded: Monthly. | ||
| Basic Checking — Minimum to Open: $25 | ||
|---|---|---|
| Balance to Earn APY1 | Dividend Rate | APY1 |
| N/A | 0.00% | 0.00% |
| Dividends Compounded: Monthly. | ||
| Budget Checking — Minimum to Open: $25 | ||
|---|---|---|
| Balance to Earn APY1 | Dividend Rate | APY1 |
| N/A | 0.00% | 0.00% |
| Dividends Compounded: Monthly. | ||
CONSUMER SAVINGS ACCOUNTS
| Regular Share — Minimum to Open: $5 | ||
|---|---|---|
| Balance to Earn APY1 | Dividend Rate | APY1 |
| $200 | 0.10% | 0.10% |
| Dividends Compounded: Monthly. | ||
| Tiered Savings — Minimum to Open: $25 | |||
|---|---|---|---|
| Tier | Balance to Earn APY1 | Dividend Rate | APY1 |
| 1 | $0.01 to $4,999.99 | 0.10% | 0.10% |
| 2 | $5,000 to $9,999.99 | 0.25% | 0.10% - 0.18% |
| 3 | $10,000 to $49,999.99 | 0.50% | 0.18% - 0.44% |
| 4 | $50,000 to $99,999.99 | 0.65% | 0.44% - 0.54% |
| 5 | $100,000 and Greater | 0.80% | 0.54% - 0.78% |
| Dividends Compounded: Monthly. | |||
| Christmas Club — Minimum to Open: N/A | ||
|---|---|---|
| Balance to Earn APY1 | Dividend Rate | APY1 |
| N/A | 0.10% | 0.10% |
| Dividends Compounded: Monthly. | ||
| Vacation Club — Minimum to Open: N/A | ||
|---|---|---|
| Balance to Earn APY1 | Dividend Rate | APY1 |
| N/A | 0.10% | 0.10% |
| Dividends Compounded: Monthly. | ||
| IRA — Minimum to Open: N/A | ||
|---|---|---|
| Balance to Earn APY1 | Dividend Rate | APY1 |
| N/A | 0.50% | 0.50% |
| Dividends Compounded: Monthly. | ||
| Kirby Club — Minimum to Open: $5 | |||
|---|---|---|---|
| Tier | Balance to Earn APY1 | Dividend Rate | APY1 |
| 1 | $0.01 to $5,000 | 0.65% | 0.65% |
| 2 | $5,000 and Greater | 0.05% | 0.65% - 0.05% |
| Dividends Compounded: Monthly. | |||
CONSUMER MONEY MARKET ACCOUNTS
| Premier Money Market (Limited Time Offer) — Minimum to Open: $100 | |||
|---|---|---|---|
| Tier | Balance to Earn APY1 | Dividend Rate | APY1 |
| 1 | $0.00 - $2,499.99 | 0.01% | 0.01% |
| 2 | $2,500.00 - $24,999.99 | 0.05% | 0.05% |
| 3 | $25,000.00 - $49,999.99 | 2.48% | 2.50% |
| 4 | $50,000.00 - $99,999.99 | 2.96% | 3.00% |
| 5 | $100,000.00 - $499,999.99 | 3.44% | 3.50% |
| 6 | $500,000.00 & Greater | 3.93% | 4.00% |
| Dividends Compounded: Monthly. | |||
| Beacon’s Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change. | |||
| Horizon Money Market — Minimum to Open: $100 | |||
|---|---|---|---|
| Tier | Balance to Earn APY1 | Dividend Rate | APY1 |
| 1 | $0.01 - $1,999.99 | 0.05% | 0.05% |
| 2 | $2,000.00 - $4,999.99 | 0.15% | 0.05% - 0.11% |
| 3 | $5,000.00 - $9,999.99 | 0.25% | 0.11% - 0.18% |
| 4 | $10,000.00 - $49,999.99 | 0.65% | 0.18% - 0.56% |
| 5 | $50,000.00 & Greater | 0.80% | 0.56% - 0.79% |
| Dividends Compounded: Monthly. | |||
| *The Beacon Horizon Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Please contact Beacon Credit Union if you have any questions 1.800.868.6655. | |||
CONSUMER SHARE CERTIFICATES
| Promotional Certificates (Limited Time Offer) — Minimum to Open: $2,500 | |||
|---|---|---|---|
| Type | Balance to Earn APY1 | Dividend Rate | APY1 |
| Limited Time Special - 6 Months | $2,500 | 4.27% | 4.35% |
| Beacon's promotional certificate rate is only valid on new money only. For 6 months promotional share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not. | |||
| Certificates — Minimum to Open: $500 | |||
|---|---|---|---|
| Type | Balance to Earn APY1 | Dividend Rate | APY1 |
| 12 Month Bump | $500 | 1.64% | 1.65% |
| 12 Months | $500 | 3.85% | 3.92% |
| 24 Months | $500 | 3.35% | 3.40% |
| 36 Months | $500 | 3.26% | 3.31% |
| 48 Months | $500 | 3.26% | 3.31% |
| 60 Months | $500 | 3.26% | 3.31% |
| Early withdrawal penalties vary:
For 12 month share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not. With the 12 month bump, one early withdrawal penalty is free. For 24 month share certificates, the early withdrawal penalty is 180 days of dividend whether earned or not. For 36 month share certificates, the early withdrawal penalty is 270 days of dividend whether earned or not. For 48 month and 60 month share certificates, the early withdrawal penalty is 365 days of dividend whether earned or not. |
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1APY = Annual Percentage Yield
*ADB = Average Daily Balance