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:11-14-2023

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 12.99% to 17.99%

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 – 120 Months As low As 6.75%

Used Autos

We will finance Loan Value or average retail / trade-in/loan value.
Term APR*
24 – 120 Months As Low As 6.90%

Recreational Vehicles

Motor Homes, Trailers, 5th Wheels, Boats, etc.
Term APR*
Up to 180 month amortization (based on product) As Low As 6.75%

Helping Hand Loans

Term APR*
3 months 18.00%

Savings Account

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

Money Market Account

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%

DO MORE Money Market Account

Share Accounts Annual Percentage Yield (APY)
  • $99,999 + with recurring monthly $500 Direct Deposit
  • $199.999 + with recurring monthly $500 Direct Deposit
  • $200,000 + with recurring monthly $500 Direct Deposit
  • 2.00%
  • 2.50%
  • 4.00%

Effective as of: 04/2024

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) $10.00
Copy of Draft (Volcorp) $5.50
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 $5.00 per copy
Paper Statement Fee (No Charge for E-Statements $5.00
Tax, Levy/ Legal Notice Fee $20.00
Account Research Fee (per hour) $75.00
Return Mail Fee $10.00
Domestic Wires (Outgoing Only) $35.00
International Wires $50.00
International Transaction Fee $1.50
Statement Copy (Account History) $2.00 per page
Certified Check (1 free check per day) $5.00/each
Inactive Account (after one year with NO activity) $25.00 Monthly
Early Account Closure Fee (Open 90 days or less) $25.00
Christmas Club (Early Withdrawal Penalty) $10.00
Share Account Withdrawals (Over 6 per month unless in office) $5.00
Share account dividends are day of deposit/day of withdrawal and paid quarterly.

Debit/ATM Card

Insufficient Point of Sales (POS) $35.00
Insufficient Funds (Debit Card) $35.00
Replacement of an Debit Card $10.00
ATM Transaction Fees (Our ATM-Our Members No Charge
* Foreign ATM Fees Varies (Foreign ATM fees are charged by using machines other than First Regents ATMs located within Ballad facilities, 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 $575.00
Online Loan Payment via Debit Card Up to $10.00
One Time ACH Fee $35.00
Per Day ATM Maximum Withdrawal $500.00
Member Identification Program – Beacon Financial will obtain a credit report when opening an account for you. Based on your credit rating BFCU may offer you all of our services and products or may deny your account request. If you do not wish for BFCU to obtain a credit report, we will not be able to open an account for you.


Certificates Term Rates / Annual Percentage Yield
06 Months 4.00%
12 Months 5.00%
24 Months 2.50%
36 Months 2.75%
48 Months 2.75%
48 Months ($100,000 ) 2.75%
60 Months 2.75%
60 Months ($100,000 ) 2.75%
72 Months 2.75%
72 Months ($100,000 ) 2.75%
Minimum balance requirement is $1000.00

 AVAILABILITY OF FUNDS: In accordance with the Expedited Funds Availability Act, the first $225.00 of your check deposit will be available on the first business day after the day of your deposit. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day we receive your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will contact you by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Routing Number: 264279237

Open a Graduate Account CD today and earn 5% APY until your child turns 18 with just a $25 deposit!
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