Credit union · NCUA insured
Beacon Community Credit Union CD Rates
Top CarrotBeacon Community Credit Union’s best CD rate is 3.34% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Beacon Community Credit Union’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Beacon Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Beacon Community Credit Union
3.34%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $679
Share Certificates
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
Beacon Community Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.09%
- 9–15 months9–15 mo3.19%
- 16–30 months16–30 mo3.34%
- 31–60 months31–60 mo3.29%
- QualifiedQualified3.34%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Beacon Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.34%APY · 7 terms
The minimum deposit to open and maintain a regular share certificate is $500.00. Regular certificate terms are 6, 12, 18, 24, 36, 48 and 60 months. Early closure prior to maturity date will result in an early termination penalty (90 day interest penalty for terms up to 1 year, 180 day interest penalty for terms over 1 year).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.09% | $153 |
| 12 months | 3.19% | $319 |
| 18 months | 3.24% | $490 |
| 24 months | 3.34% | $679 |
| 36 months | 3.29% | $1,020 |
| 48 months | 3.13% | $1,312 |
| 60 months | 3.18% | $1,694 |
Special-purpose accounts
IRA Share Certificates
Up to 3.34%APY · 6 terms
Retirement account share certificates. Early closure prior to maturity date will result in an early termination penalty.
| Term | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.09% | — | 3.09% | $309 |
| 18 months | — | 3.24% | 3.24% | $490 |
| 24 months | — | 3.34% | 3.34% | $679 |
| 36 months | — | 3.29% | 3.29% | $1,020 |
| 48 months | — | 3.13% | 3.13% | $1,312 |
| 60 months | — | 3.18% | 3.18% | $1,694 |
Sources (1)
- beaconccu.org/Rates · captured Sep 25, 2026
Who can join Beacon Community Credit Union
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