Credit union · NCUA insured
Beacon Federal Credit Union
A $209.1M credit union headquartered in La Porte, TX, with 14,204 members and 4 branches in Texas. Best rates: CDs 4.00% and savings 0.85% APY.
Beacon Federal Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#69 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Beacon Federal Credit Union
Chartered in March 1949 as DuPont La Porte Federal Credit Union, the institution officially became Beacon Federal Credit Union by 2005.
The locally owned and operated credit union serves members through branches located in La Porte, Baytown, Seabrook, and Deer Park, Texas.
- Headquarters
- 2901 Sens Rd, La Porte, TX 77571
- NCUA charter
- 6062
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in East Harris County, Texas is eligible to join.
Family and household
- Immediate family members (spouse, parent, child, sibling, grandparent, or grandchild) of a current Beacon FCU member living in the residence maintained as a single economic unit are eligible to join.
Cost to join
- Membership requires opening a Savings Account with a $5 deposit and maintaining a $5 minimum balance.
Branches
4 branches in Texas
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Texas
4 branches
- Main OfficeMain office2901 Sens Rd, La Porte, TX 77571Directions
- Baytown Branch2812 N Alexander Dr, Baytown, TX 77520Directions
- HEB - Deer Park4701 East Blvd, Deer Park, TX 77536Directions
- Seabrook Office2226 Repsdorph Rd, Seabrook, TX 77586Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.41% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.27% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $50 | $76 | — |
- CapitalNet worth ratio8.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.41%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.27%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$50Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Beacon Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.