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Rates

Share Rates
Description Min Balance To Earn Dividend Dividend Rate APY**
Regular Share Savings $100 0.15% 0.15%
Go Green Share Draft $1 0.075% 0.075%
Club Accounts $100 0.15% 0.15%
Individual Retirement Account $100 0.40% 0.40%

Money Market Accounts

 

High Yield Checking restrictions apply

$2,500-$10,000
$10,000.01-$25,000
25,000.01-$50,000.00
Over $50,000 +

Avg Balance up to $10K

0.25%
0.50%
0.80%
1.00%

3.93%

0.25%
0.50%
0.80%
1.00%

4.00%

* Share Dividend Rates as of 07/01/2025

Share and IRA Certificates
Term Min Balance Dividend Rate APY**
6 Month $500 3.05% 3.09%
12 Month $500 3.15% 3.19%
18 Month $500 3.20% 3.24%
24 Month $500 3.30% 3.34%
36 Month $500 3.25% 3.29%
48 Month $500 3.10% 3.13%
60 Month $500 3.15% 3.18%
IRA 12 Month $500 3.05% 3.09%
IRA 18 Month $500 3.20% 3.24%
IRA 24 Month $500 3.30% 3.34%
IRA 36 Month $500 3.25% 3.29%
IRA 48 Month $500 3.10% 3.13%
IRA 60 Month $500 3.15% 3.18%

**APY = Annual Percentage Yield

New & Used Vehicles
Min Amount Max Term APR*
Up to 100% of Purchase Price 48 Months as low as 4.49%*
Up to 100% of Purchase Price 60 Months as low as 4.74%*
Up to 100% of Purchase Price 72 Months as low as 4.99%*
Up to 100% of Purchase Price 84 Months as low as 5.49%*
Purchase Price exceeding $15,000 60 Months  

Purchase Price exceeding $25,000

Purchase Price exceeding $40,000

*rate includes BCCU checking

with direct deposit and auto

payments via payroll

72 Months

84 Months

 

 

Apply Now!

New & Used Boats & Motorcycles
Min Amount Max Term APR*
Up to 100% of Purchase Price 60 Months as low as 6.75%*

Apply Now!

Personal
Loan Type Min Amount Max Term APR*
Personal/Signature $15,000 Max Up to 60 Months as low as 10.00%*
Revolving Credit $15,000 Max Open-End as low as 7.00%*
Second Chance Between $300 and $500 Up to 8 Months 18.00%*
Share Secured 100% of Shares Up to 84 Months 4.00%*
Share Certificate Secured 100% of Shares < Certificate Maturity Date 1% + BCCU Cert Rate min. 4.00%*

Apply Now!

1st Mortgage
Loan Type Min Amount Max Term APR*
1st Mortgage Up to 97% LTV 15-30 years Call for rates. Change daily.

Rates change daily - Call 502-366-6022 ext: 2 for rates

Home Equity Loans
Loan Type Min Amount Max Term APR*
Home Equity Up to 90% of appraised value* Variable Rate 10-15 years as low as 6.25%*
Home Equity

Up to 90% of appraised value Fixed Rate

 

 10-15 years as low as 6.99%*

Apply Now!

* APR = Annual Percentage Rate. Effective October 1, 2025 Prime Rate is 7.25%. Rates are subject to change. Members must meet credit requirements. Individual rate based on borrower qualifications. Shorter terms may be applicable based on credit performance, model year of vehicle and mileage of vehicle. 

Savings Services

Certified Checks/Official Checks-Members $5.00 per item
Certified Checks/Official Checks-Non-Members $10.00 per item
Check Cashing Fee Shares Only < $100.00 $3.00 each
   
Visa Gift Cards $3.00 per item
Cash or Deposit Non-Member item Not Accepted
Return Deposit Item (2 party) $15.00 per item
Return Deposit Item (1 party) $36.00 per item
Shared Branch withdrawal fee $0
Judicial Attachment (Garnishment) $36.00 per attachment
Notary Public Free
Research Account $15.00 per hour
Balancing Assistance $15.00 per hour
Document Copy $4.00 per item
Wire transfer (domestic) Outgoing $20.00 per wire
Wire transfer Incoming $10.00 per wire
Dormant Account $7.00 per Month
USPS Return Mail Fee Up to $10.00 Maximum
Re-open Account $10.00
Early Close Penalty for new accounts closed within 30 Days $5.00 per account
Mobile Banking App Free

Share Draft Services

Bill Pay Free
Snap Check Remote Deposit Free
NSF Draft, NSF ACH item or NSF Bill Pay item $36.00 per item
Courtesy Pay Fee (if applicable) $36.00 per item
Stop Payment, if item would not cause NSF $17.00 per item
Stop Payment, if item would cause NSF $36.00 per item
Copies of Drafts $4.00 per item
Draft can be viewed/printed free for 90 days after they clear on home branch at www.beaconccu.org
Starter/Temporary Checks $3.00 per sheet
Overdraft Transfer $5.00 per item
Negative Balance Fee up to $36.00 per day
Money Market Checking Features maximum 3 checks and 3 transactions per month.
   

Other Fees

Skip-A-Pay fee (per loan) $20.00

ATM Services

Initial Card Fee Free
NSF/Overdrawn ATM Withdrawal $36.00 per item
Replacement Card $10.00 per card
ATM deposits without envelope $20.00
Fifth Third ATM usage fee $0.50 per use
Savings Account only 6 ATM Withdrawals Free per month
$1.00 per item thereafter** (excluding deposit)

You may use your Beacon CCU ATM card or Visa Debit Card in ATMs that belong in the Alliance One Network, MoneyPass Network, or CO OP Network without obtaining a surcharge when you withdrawal funds at their ATM terminal. Fifth Third ATMs will incur $0.50 per use fee.

Other Non-Beacon CCU owned ATMs may charge a surcharge fee for an ATM withdrawal at their terminal.

** Monthly fees, if applicable, will be charged on the last business day of each month. All other fees are charged as the transaction occurs.

Visa Debit Card Services

Initial Card FREE
NSF/Overdrawn Fee $36.00 per item
Overdraft Transfer $5.00 per item
Sales Draft Copy $4.00 per item
Replacement Card $10.00 per card
Stop Payment of Visa Stop payments are prohibited on Visa Debit Card

*Visa is a registered Brand Mark of Visa International Services Association.

CO-OP Locator

Find a CO-OP ATM or
Shared Branch Near You