Credit union · NCUA insured
Beacon Financial Credit Union CD Rates
Beacon Financial Credit Union’s best CD rate is 3.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 6 years. Rates checked October 15, 2026.
How Beacon Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Johnson City, TN, where Beacon Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Beacon Financial Credit Union
3.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $149
Certificates
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
2nd-highest rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Beacon Financial Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.00%
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 Financial 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.
Certificates
3.00%APY · 7 terms
Minimum balance requirement is $1000.00. Terms from 6 months to 72 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance requirement is $1000.00 | 3.00% | $149 |
| 12 monthsMinimum balance requirement is $1000.00 | 3.00% | $300 |
| 24 monthsMinimum balance requirement is $1000.00 | 3.00% | $609 |
| 36 monthsMinimum balance requirement is $1000.00 | 3.00% | $927 |
| 48 monthsMinimum balance requirement is $1000.00 | 3.00% | $1,255 |
| 60 monthsMinimum balance requirement is $1000.00 | 3.00% | $1,593 |
| 72 monthsMinimum balance requirement is $1000.00 | 3.00% | $1,941 |
Who can join Beacon Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, contract employees, and volunteers of Ballad Health or its subsidiaries are eligible for membership.
- Employees of Right Coast Medical LLC, Champion Chevrolet, Crowder RV, One Stop Wine and Liquor, and Wise Property Solutions are eligible for membership.
Family and household
- Family members (including spouses, children, parents, grandparents, siblings, aunts, uncles, cousins, and step relations) of Ballad Health employees, contract employees, or volunteers are eligible for membership.
- Family members of employees of Right Coast Medical LLC, Champion Chevrolet, Crowder RV, One Stop Wine and Liquor, and Wise Property Solutions are eligible for membership.
Cost to join
- A $25.00 minimum balance in a regular share (savings) account is required for membership.
Membership information collected October 5, 2026.