Credit union · NCUA insured
Beacon Federal Credit Union CD Rates
Beacon Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Beacon Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Beacon Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Beacon Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Certificate
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Beacon Federal Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Federal 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.
Certificate
Up to 4.00%APY · 7 terms
Compounding monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Early withdrawal penalty applies. Minimum balance for kids/Youth Certificates is $500.00. Jumbo Certificates: $90,000 minimum; rates vary.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 4.00% | $400 |
| 18 months | 3.75% | $568 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 7 terms
Traditional and Roth IRA wrappers supported. Early withdrawal penalty applies. Jumbo Certificates: $90,000 minimum; rates vary. Youth Certificates: minimum balance is $500.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 4.00% | $400 |
| 18 months | 3.75% | $568 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 6, 2026
Who can join Beacon Federal Credit Union
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.
Membership information collected October 5, 2026.