Credit union · NCUA insured
Beacon Credit Union Credit Card Rates
Top CarrotBeacon Credit Union credit cards start at 8.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Beacon Credit Union’s credit card rates compare
Compared with banks and credit unions near Lynchburg, VA, where Beacon Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Beacon Credit Union
8.00%APR
Visa Blue
2nd-lowest rate
Central Virginia Federal Credit Union
8.99%APR
3rd-lowest rate
National Bank of Blacksburg
9.00%APR
Beacon Credit Union credit card score
92
Credit card score
Higher than 94% of U.S. banks and credit unions
- Purchase APRPurchase APR8.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Beacon Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Advantage
To qualify for Beacon products, a $5 membership share is required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | Variable APR. Rates as low as 12.50%. Limits $5,000 to $20,000. No annual fee. Convenient balance transfers available. Rates subject to credit qualifications. |
Visa Blue
Balance secured by your savings account. Establish or re-build your credit. To qualify for Beacon products, a $5 membership share is required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.00% | None | Rates as low as 8.00%. Limits $500 to $3,000. Subject to credit qualifications. |
Visa Rewards
Earn 2% Cash Back on every purchase ($1,500 annual rebate maximum). To qualify for Beacon products, a $5 membership share is required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.25% | None | Variable APR. Rates as low as 15.25%. Limits $5,000 to $20,000. No annual fee. Convenient balance transfers available. Rates subject to credit approval/qualifications. |
Sources (3)
- mybcu.org/personal/credit-card…rewards-visa-credit-card
- mybcu.org/loan-rates
- mybcu.org/personal/credit-cards
All captured Oct 15, 2026
Who can join Beacon Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in, and businesses and other legal entities located in Amherst County, Appomattox County, Bedford County, Campbell County, Nelson County, Rockbridge County, Pittsylvania County, Caswell County NC, Rockingham County NC, Roanoke County, Botetourt County, City of Lynchburg, City of Lexington, City of Buena Vista, City of Danville, City of Roanoke, City of Salem, City of Reidsville NC, City of Eden NC, Town of Altavista, Town of Appomattox, Town of Bedford (Region 2000), or the township of Vinton are eligible for membership.
Employers and groups
- Members at the time of community charter conversion of credit unions affiliated with the Virginia Credit Union League, the Virginia Credit Union League itself, affiliated credit union corporations, and existing select employee groups are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership, credit union employees, retirees/pensioners/annuitants from credit union employment, members of their immediate families (related by blood, marriage, or adoption), and organizations/associations of such persons are eligible for membership.
Cost to join
- A $5 membership share is required to qualify for Beacon products.
Membership information collected October 4, 2026.