Credit union · Privately insured
Beacon Credit Union Savings Rates
Beacon Credit Union’s best savings rate is 0.90% APY on $10,000, with its Advantage Money Market - Consumer. Rates checked October 15, 2026.
How Beacon Credit Union’s savings 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
0.90%APY
- Minimum
- $0
- Earns on $10,000 a year
- $90
Advantage Money Market - Consumer
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Bippus State Bank
3.25%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $325
Beacon Credit Union savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0002.25%
- QualifiedQualified0.90%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ownership Share
6.00%APY
Opening balance of $5 required at all times to serve as member-owner share. Earns funds through debit card round up and share certificate dividends or participating in qualifying products/services; personal deposits not accepted. Inactivity fee of $5.00 applies if no activity across membership in previous 12 months. Access via debit cards or checks not permitted.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5No interest paid on balances $5.00 and below. | 0.00% | — | No interest paid on balances $5.00 and below. |
| Over $5Promoted interest rate paid on entire balance when maintained at $5.01 and above. | 6.00% | $600 | Promoted interest rate paid on entire balance when maintained at $5.01 and above. |
Advantage Money Market - Consumer
0.90%APY
No minimum balance required to open or maintain account. Access via debit cards or checks (paper or electronic) not permitted. Limit of 8 withdrawals per calendar month; withdrawals over the limit will be assessed a fee. $5 monthly account maintenance fee can be avoided by receiving eStatements. Membership qualifying account required. Insured up to $500,000 via ASI and ESI.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $10,000 | 0.40% | — |
| $10,000 – $50,000 | 0.90% | $90 |
| $50,000 – $100,000 | 1.75% | — |
| $100,000 – $250,000 | 2.25% | — |
| $250,000 and up | 2.70% | — |
Savings Plus
0.15%APY
Membership qualifying account required (for new membership after 11/1/25). Interest compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Special-purpose accounts
Health Savings Account (HSA)
0.15%APY
Membership qualifying account required. Interest compounded monthly. Convenient debit card access and free bill payment service available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Individual Retirement Account (IRA) Savings
0.15%APY
Membership qualifying account required. Interest compounded monthly. Access funds 24/7 without credit union withdrawal penalties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
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.