Credit union · Privately insured
Beacon Credit Union CD Rates
Beacon Credit Union’s best CD rate is 4.35% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Beacon Credit Union’s CD rates compare
Compared with banks and credit unions near Wabash, IN, where Beacon Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Beacon Credit Union
4.25%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,313
Regular Share Certificates
Top rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $430
2nd-highest rate
First Farmers Bank & Trust
4.25%APY
- Term
- 19 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $681
Beacon Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo2.70%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.85%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 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.
Jumbo Share Certificates
Up to 4.35%APY · 9 terms
Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty. Public fund entities are not eligible for jumbo certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.60% | $64 |
| 6 months | 2.81% | $140 |
| 12 months | 2.86% | $286 |
| 15 months | 3.75% | $471 |
| 18 months | 2.90% | $438 |
| 24 months | 2.95% | $599 |
| 36 months | 4.05% | $1,265 |
| 48 months | 4.20% | $1,789 |
| 60 months | 4.35% | $2,373 |
Regular Share Certificates
Up to 4.25%APY · 9 terms
Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 months | 2.70% | $134 |
| 12 months | 2.75% | $275 |
| 15 months | 3.75% | $471 |
| 18 months | 2.80% | $423 |
| 24 months | 2.85% | $578 |
| 36 months | 3.95% | $1,232 |
| 48 months | 4.09% | $1,739 |
| 60 months | 4.25% | $2,313 |
Special-purpose accounts
IRA Share Certificates
Up to 4.25%APY · 9 terms
Traditional and Roth options available. Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 months | 2.70% | $134 |
| 12 months | 2.75% | $275 |
| 15 months | 3.75% | $471 |
| 18 months | 2.80% | $423 |
| 24 months | 2.85% | $578 |
| 36 months | 3.95% | $1,232 |
| 48 months | 4.09% | $1,739 |
| 60 months | 4.25% | $2,313 |
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 or work in any of 56 specified Indiana counties are eligible to join Beacon Credit Union.
Cost to join
- Opening a membership requires a $5 initial account opening ownership share deposit.
Membership information collected October 5, 2026.