No Down Payment Mortgage Options Available!

0% Down Purchase Program

Tired of putting off buying your dream home until you can afford the down payment? Ask us about our 0% Down Purchase home loan program.

• Keep cash on hand for expenses.
• Fast closings, usually an average of 20 days.
• No longer answer to a landlord.

Let us help you make your dreams come true. Call Today!

Beacon's Mortgage Team

Federally insured by the NCUA. Information subject to change. Certain restrictions apply. Subject to approval of borrower and investor guideline requirements. Down payment is provided as a 2nd lien against the subject property. 2nd lien bears 0% interest rate and cannot exceed a $15,000 loan amount. 2nd lien has no minimum monthly payment requirements, a term of 360 months and is fully due as a balloon payment upon the occurrence of either a refinance of the 1st lien, payoff of the 1st lien or the final payment of the amortization schedule of the 1st lien. Borrower must qualify based on Home Possible® or Homeone® guidelines. Some exclusions may apply. The principal, interest, and MI payment of a $350,000 30-Year Fixed-Rate loan at 6.999% and 97% loan-to-value (LTV) is $2433.32. The annual percentage rate (APR) is 7.528% with estimated finance charges of $6,500. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premium, which will result in a higher actual monthly payment. Rates current as of 5/22/2024. Subject to borrower approval. Some exclusions may apply.

Cruise into Summer with Auto Loan Savings.

Refinance now, and you could get rates as low as 5.79% APR.*

As the sun-kissed days of summer approach, it’s time to hit the open road, feel the sand between your toes, and embrace the freedom of a well-deserved vacation. And what better way to kick off your summer adventures than by refinancing your auto loan? 🌞🚗

Why Refinance Your Car Loan?

• Lower Monthly Payments: Your current car payment may feel like an anchor on your budget. Refinancing can help trim those monthly expenses, giving you more cash for beachside cocktails or souvenir shopping.
• Improved Credit Score: If your credit score has climbed since you first took out your loan, you might qualify for a better interest rate. A higher credit score signals responsible financial behavior, and lenders reward that with lower rates.
• Shorter Loan Term: If you still have several years on your loan, renewing your payments, new rate, and current credit score could shorten the remaining time you have to pay off your auto loan. This could potentially save you thousands of dollars over the life of your loan, painting a brighter, vacation-filled financial future.

What are you waiting for? Grab your shades, cue your favorite tunes, and cruise into summer with a refreshed auto loan! 🎉🌴🚗

Apply Online

Or you can visit your favorite branch for more details.

*APR=Annual Percentage Rate. APR is determined at the time of your application, based on credit worthiness and the loan value of the vehicle. 5.79% is the lowest rate for qualified applicants with a minimum loan amount of $20,000. 84 months is the maximum term allowed with this promotion. Promotional loan rate is subject to a $299 processing fee. Loan must have 90 days of payment history on credit report.

Current Beacon loans are not eligible for the promotional rate. Offers cannot be combined or used with other Beacon specials. All credit union programs may change or end at any time.

Love your credit union? Well now you can earn $50 for both you and your friend when you refer us!*

Making money has never been easier. Now you can earn $50 for YOU and $50 for your FRIEND OR FAMILY MEMBER when your referral opens a checking account or loan with Beacon Credit Union. There's no limit to how many you can refer! Simply follow these steps:

1. Have your referral print and complete the form (Click here) and have him or her return it to one of our eight locations to open the account. OR
2. Have the referral open an account online using the referring member's promo code. Each member is assigned a promo code that was received through email. If the member is uncertain what the promo code is, he or she can call 434.237.1566 to retrieve it. To open the account online, Click Here.  
   
   

 *Bonus is paid at the time of account opening, outside the minimum balance required to establish the account, there is no additional balance requirements. Account must stay open for a minimum of 12 months to retain the bonus. Beacon reserves the right to end this offer at any time.

It's here! 4.04% APY Business Checking!

Start earning interest today! Visit a Beacon branch to open your account.

The brand new Business Interest Plus Checking Account offers a competitive 4.04% APY for businesses looking to grow their money. Perfect for companies of all sizes, the Business Interest Plus Checking provides benefits, including free online and mobile banking, free bill pay, and no monthly maintenance fees.

Start earning interest today. Swing by a Beacon branch location to open your account. Take advantage of this opportunity to grow your checking account and achieve your financial goals.

*4.04% Annual Percentage Yield (APY) paid on balances between $0.01 and $10,000 each month when the member meets qualifications. Qualifications are an Average Daily Balance (ADB) of $5,000 or more and either 10 debit card transaction OR 10 Beacon Business VISA card purchase transactions from the same account per month. An ADB of $5,000 or more waives the monthly service fee of $15 to maintain this account.

For balances that exceed $10,000 and up to $50,000, when the above criteria are met, the APY is 0.10%. When the promotional criteria are not met, reference standard deposit rates found on Beacon's website. Dividends begin the business day we receive credit for the deposit of non-cash items (for example, checks). Rates and terms for this account are effective December 1st, 2023, and are subject to change. Dividends are compounded monthly. Beacon Credit Union checking accounts are subject to credit qualification.