Credit union · NCUA insured
Beacon Federal Credit Union Credit Card Rates
Beacon Federal Credit Union credit card rates start at 11.55% APR. Rates checked October 16, 2026.
How Beacon Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Beacon Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Beacon Federal Credit Union
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
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.
Beacon Blue Platinum MasterCard
Credit Cards: Variable rate account. Your rate will be determined by your credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.80%–9.80% | None | 6-month introductory rate for balance transfers and purchases. |
| Ongoing | 11.55%–18.00% | None | After the 6-month introductory period ends, your APR will be based on your creditworthiness. The variable APR will vary with the market based on the Prime Rate and will not exceed 18.00%. |
Beacon FCU Visa® Credit Card
No annual fee and no balance transfer fees. Chip technology safeguards personal information and financial data.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.80%–9.80% | None | 6-month introductory rate valid only for new balance transfers from other financial institutions and new purchases. Rate is based on creditworthiness. |
| Ongoing | 11.55%–18.00% | None | After the first 6 billing cycles, variable APR varies with the market based on the Prime Rate. Rate is based on creditworthiness. |
Sources (1)
- beaconfed.org/borrow/credit-cards · captured Oct 16, 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This may be incomplete or out of date, so check with the credit union before you apply.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.