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Beacon Financial Credit Union Loan Rates

These rates are offered to Beacon Financial members. Contact us today if you’re interested in joining.

Effective as of: 10-30-2020

Shared Secured

This loan is designed to borrow against your share account balance to provide you with a lower rate than an unsecured loan.
Term APR*
60 Months 2% above the current rate of shares or CD’s

Signature Loans

This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **
Term APR*
up to 60 Months 7.85% to 18.00%

New Autos

Financing your new auto with your credit union is the way to go. Take the rebate offered by dealership and finance with us, you are guaranteed to save. 100% of Retail Value.
Term APR*
24 – 96 Months As low As 1.89% – 6.99%

Used Autos

We will finance Loan Value or average retail / trade-in/loan value.
Term APR*
24 – 96 Months As Low As 2.49% – 7.74%

Recreational Vehicles

Motor Homes, Trailers, 5th Wheels, Boats, etc.
Term APR*
Up to 180 month amortization (based on product) As Low As 4.75%

Helping Hand Loans

Term APR*
3 months 18.00%

Savings Account

Share Accounts Annual Percentage Yield (APY)
Regular Share
$100.01 and over 0.10%
Share Draft/Checking 0.00%
Christmas Club 0.50%
Madd 0.10%

Money Market

Share Accounts Annual Percentage Yield (APY)
$1,000.01 – $15,000.00 0.20%
$15,000.01 – $50,000.00 0.30%
$50,000.01 – $75,000.00 0.40%
$75,000.01 – $100,000.00 0.50%
$100,000.01 0.60%
Effective as of: 5/1/17

Fee Schedule

Check Orders Varies by Choice
Insufficient Funds (Return Checks) $35.00
Courtesy Pay (NSF) $35.00
Stop Payments (Checks or EFT/ACH) $35.00
Deposited Item / Cashed Check Returned Fee $35.00
ACH Insufficient Funds $35.00
Check Cashing Fee (w/o multiple services or $100 min bal) $5.00
Copy of Draft (Volcorp) $2.50
Courtesy pay (Overdraft Protection) * No Fee
* Members may opt-out of the Courtesy Pay program by notifying the credit union in writing at any time. By doing so, you the account holder realizes that no NSF items presented for payment will be posted by the credit union and you will still be charged the $35.00 NSF fee for every item presented.

General Charges

Printed Statement Fee $2.00 per copy
Tax, Levy/ Legal Notice Fee $20.00
Account Reserch Fee (per hour) $75.00
Cash Advance Fee 4% of payment
Return Mail Fee $5.00
Domestic Wires (Outgoing Only) $30.00
Internation Wires $50.00
International Transaction Fee $1.50
Statement Copy (Account History) $1.00 per page
Certified Check (1 free check per day) $3.00
Inactive Account (after one year with NO Activity) $10.00 Monthly
Share Accounts opened less than 90 days $10.00
Christmas Club (Early Withdrawal Penalty) $10.00
Excessive Withdrawal Fee Regular Share (6 per month) REG D $5.00
Excessive Withdrawal Fee MMA(6 per month) REG “D” $5.00
Share account dividends are day of deposit/day of withdrawal and paid quarterly.

Debit/ATM Card

Gift Card Activation Fee $3.00
Insufficient Point of Sales (POS) $35.00
Insufficient Funds (Debit Card) $35.00
Replacement of an Debit Card $7.50
ATM Fees * No Charge
* Foreign ATM Fees Varies (Foreign ATM fees are charged by using machines other than JCMC Lobby, NP Drive Up, Sycamore Shoals, Franklin Woods, CBO, Allpoint Branded ATMs and area Walgreens)

Lending Fees

Non-Refundable Loan Application Fees up to $250.00
Mortgage Loan up to 1% origination fee
Late Fee 5% of payment past due
GAP Insurance $475.00
Helping Hand Loan Fee $20.00
An excessive savings withdrawal will be charged if you make over (6) pre-authorized, automatic, online banking or telephone transfers from your share account to another account or to a third party in any month. Our share account dividends are day of deposit day of withdrawal and paid quarterly.
Online Loan Payment via credit/debit or e-check $10.00
Per Day ATM Maximum Withdrawal $500.00
Per Day Point of Sale Debit Cards $1000.00
Member Identification Program – Mountain States Credit Union will obtain a credit report when opening an account for you. Based on your credit rating MSCU may offer you all of our services and products or may deny your account request. If you do not wish for MSCU to obtain a credit report, we will not be able to open an account for you.

Certificates

Certificates Term Rates / Annual Percentage Yield
06 Months 0.35%
12 Months 0.65%
24 Months 0.70%
36 Months 0.85%
48 Months 0.90%
48 Months ($100,000 ) 1.00%
60 Months 1.00%
60 Months ($100,000 ) 1.10%
72 Months 1.10%
72 Months ($100,000 ) 1.15%
Minimum balance requirement is $1000.00

Routing Number: 264279237