Beacon Credit Union, Incorporated

Lynchburg, Virginia
Last verified: August 4, 2026
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Verified rate book

Current Beacon Credit Union, Incorporated rates

47 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

5 offers
Beacon Credit Union, Incorporated mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Mortgageother4.000% APR4.000%—Standard
Choice Plus Checkingother4.990% APR4.990%—Standard
Mortgageother4.990% APR4.990%—Standard
How to Get Pre-Approved for a Mortgage?other4.990% APR4.990%—Standard
FHA Loanother5.000% APR5.000%—Standard

Auto & vehicle rates

11 offers
Beacon Credit Union, Incorporated auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Refinanceauto4.690% APR4.690%—Standard
Choosing the Right Auto Warranty.auto4.690% APR4.690%—Standard
New & Used Auto Loanauto_any_60mo6.550% APR6.550%60 mo · anyStandard
New & Used Auto Loanauto_any_72mo7.250% APR7.250%72 mo · anyStandard
New & Used Auto Loanauto_any_84mo7.750% APR7.750%84 mo · anyStandard
New & Used Auto Loanauto_any_96mo9.300% APR9.300%96 mo · anyStandard
Boats/ RV's/ Motorcyclesboat_any_60mo11.750% APR11.750%60 moStandard
Boats/ RV's/ Motorcyclesboat_any_66mo12.250% APR12.250%66 moStandard
Advantageauto12.500% APR12.500%—Standard
Boats/ RV's/ Motorcyclesboat_any_72mo12.750% APR12.750%72 moStandard
Rewardsauto15.250% APR15.250%—Standard

HELOC rates

1 offer
Beacon Credit Union, Incorporated heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable5.250% APR5.250%—Standard

Personal loan rates

10 offers
Beacon Credit Union, Incorporated personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Improvement Loanpersonal_unsecured_36mo8.700% APR8.700%36 moStandard
Home Improvement Loanpersonal_unsecured_60mo9.700% APR9.700%60 moStandard
Security Only Loanpersonal_unsecured_60mo10.250% APR10.250%60 moStandard
Home Improvement Loanpersonal_unsecured_84mo10.700% APR10.700%84 moStandard
Home Improvement Loanpersonal_unsecured_119mo11.700% APR11.700%119 moStandard
Security Only Loanpersonal_unsecured_66mo12.250% APR12.250%66 moStandard
Security Only Loanpersonal_unsecured_72mo13.250% APR13.250%72 moStandard
42-Month Unsecured Personal Loanpersonal_unsecured_42mo17.750% APR17.750%42 moStandard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo18.000% APR18.000%36 moStandard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo18.500% APR18.500%24 moStandard

Credit card rates

3 offers
Beacon Credit Union, Incorporated credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Visa Credit Cards - Bluecredit_card8.000% APR8.000%—Standard
Visa Credit Cards - Advantagecredit_card12.500% APR12.500%—Standard
Rewards Credit Cardcredit_card_rewards15.250% APR15.250%—Standard

Savings & CD rates

4 offers
Beacon Credit Union, Incorporated savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
REQUIREMENTS TO EARN 5.05% INTERESTsavings1.00% APY1.00%—Standard
Premier Money Marketmoney_market4.00% APY4.00%—Standard
Business Checkingsavings4.04% APY4.04%—Standard
Certificateshare_certificate4.25% APY4.25%—Standard

Other rates

13 offers
Beacon Credit Union, Incorporated other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Terms vary from 60 Months to 180 Monthsother6.200% %6.200%—Standard
60 Months (minimum $10,000)other6.550% %6.550%—Standard
66 Months (minimum $10,000)other6.550% %6.550%—Standard
72 Months (minimum $20,000)other7.250% %7.250%—Standard
84 Months (minimum $25,000)other7.750% %7.750%—Standard
Blueother8.000% %8.000%—Standard
12-36 Months (minimum $5,000)other8.700% %8.700%—Standard
Security Only Loanother9.250% %9.250%—Standard
96 Months (minimum $40,000)other9.300% %9.300%—Standard
37-60 Months (minimum $5,000)other9.700% %9.700%—Standard
61-84 Months (minimum $5,000)other10.700% %10.700%—Standard
85-119 Months (minimum $5,000)other11.700% %11.700%—Standard
120-180 Months (minimum $10,000)other11.700% %11.700%—Standard

As of August 4, 2026, Beacon Credit Union, Incorporated offers mortgage rates from 4% APR. Vehicle loans available from 4.69% APR. HELOC rates from 5.25% APR. Personal loan rates from 8.7% APR. Credit card rates from 8% APR. Savings and certificate yields up to 4.25% APY.

Source: RateAPI.dev, verified from Beacon Credit Union, Incorporated's official website

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About Beacon Credit Union, Incorporated

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
29.8K
Assets
$378.2M
Founded
1939
Locations reported
11
NCUA charter
66965
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial education
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Blue EagleCornerstone · Lynchburg · VA · 24502Branch in the same ZIPCentral VirginiaTimberlake Branch · Lynchburg · VA · 24502-7202Branch in the same ZIPFreedom FirstTimberlake · Lynchburg · VA · 24502Branch in the same ZIPGeneral Electric EmployeesVirginia · Lynchburg · VA · 24502Branch in the same ZIPVirginiaLYNCHBURG BRANCH · Lynchburg · VA · 24502-2335Branch in the same ZIPLynchburg Municipal Employees3176 Fort Ave · Lynchburg · VA · 24501About 4.2 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Beacon Credit Union, Incorporated

Membership eligibility from Beacon Credit Union, Incorporated's own published criteria. How we verify this.

Membership criteria are published on Beacon Credit Union, Incorporated's website. Check the membership page below to confirm whether you qualify.

Cost to join: About $5.

Verified from Beacon Credit Union, Incorporated's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Beacon Credit Union, Incorporated offer?

Beacon Credit Union, Incorporated currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Beacon Credit Union, Incorporated rates updated?

RateAPI verifies Beacon Credit Union, Incorporated's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Beacon Credit Union, Incorporated's rate data?

Rate data is collected directly from Beacon Credit Union, Incorporated's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Beacon Credit Union, Incorporated's mortgage rate?

As of August 4, 2026, Beacon Credit Union, Incorporated offers mortgage rates from 4% APR.

What are Beacon Credit Union, Incorporated's auto & boat loan rates?

As of August 4, 2026, Beacon Credit Union, Incorporated offers vehicle loans from 4.69% APR.

What is Beacon Credit Union, Incorporated's HELOC rate?

As of August 4, 2026, Beacon Credit Union, Incorporated offers home equity lines of credit from 5.25% APR.

What is Beacon Credit Union, Incorporated's personal loan rate?

As of August 4, 2026, Beacon Credit Union, Incorporated offers personal loans from 8.7% APR.

What is Beacon Credit Union, Incorporated's best CD rate?

As of August 4, 2026, Beacon Credit Union, Incorporated offers savings and certificate (CD) yields up to 4.25% APY.

Related Rate Data

Compare Beacon Credit Union, Incorporated's rates against national credit-union benchmarks.

More Virginia credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Beacon Credit Union, Incorporated
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  -H "Authorization: Bearer YOUR_API_KEY"
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