Credit union · NCUA insured
Beacon Federal Credit Union Savings Rates
Beacon Federal Credit Union’s best savings rate is 0.85% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Beacon Federal Credit Union’s savings 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
0.85%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $85
Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Beacon Federal Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.85%
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 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.
Money Market
Up to 0.85%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.80% | $80 |
| $10,000 – $25,000 | 0.85% | $85 |
| $25,000 and up | 0.95% | — |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Savings
0.15%APY
Traditional and Roth IRA wrappers supported. Penalty will be charged for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upApplies to Traditional and Roth IRA Savings. A penalty will be charged for early withdrawal.$5 and up | 0.15% | $15 | Applies to Traditional and Roth IRA Savings. A penalty will be charged for early withdrawal. |
Sources (2)
All captured Oct 6, 2026
Christmas Club
0.05%APY
Unlimited deposits; withdrawals are limited. Balance is transferred at the beginning of November. If opening for a minor, a parent or legal guardian is required to co-sign as a joint owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance required to earn the advertised APY.$5 and up | 0.05% | $5 | Minimum balance required to earn the advertised APY. |
Sources (2)
All captured Oct 6, 2026
Regular Shares
0.05%APY
Savings account is at the core of a Beacon FCU membership. Required balance of $100 to earn regular dividend payments. If opening for a minor, a parent or legal guardian is required to co-sign as a joint owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to earn the advertised APY.$100 and up | 0.05% | $5 | Minimum balance of $100.00 required to earn the advertised APY. |
Sources (2)
All captured Oct 6, 2026
Vacation Club
0.05%APY
Unlimited deposits. Withdrawals must be performed at one of credit union locations or by contacting the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance required to earn the advertised APY.$5 and up | 0.05% | $5 | Minimum balance required to earn the advertised APY. |
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.