Loan Rates

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New & Used Autos
TERM RATE
Up to 48 Months 2.84% – 12.10% APR*
49 – 65 Months 3.09% – 12.59% APR*
66 – 74 Months 3.45% – 13.20% APR*
75 – 84 Months 4.69% – 8.49% APR*

 

New & Used Motorcycles
TERM RATE
Up to 48 Months 3.44% – 15.20% APR*
49 – 65 Months 3.94% – 15.70% APR*
66 – 74 Months 4.94% – 16.20% APR*
75 – 84 Months 5.94% – 10.90% APR*
Inquire for additional terms. Some discounts apply

 

New & Used RV, Boat & Watercraft
TERM RATE
Up to 48 Months 4.44% – 17.95% APR*
49 – 65 Months 4.90% – 17.95% APR*
66 – 74 Months 5.70% – 17.99% APR*
75 – 84 Months 7.00% – 10.80% APR*
85 – 120 Months 7.84% – 11.90% APR*
121 – 144 Months 8.79% – 13.65% APR*
Inquire for additional terms.

 

New & Used Farm Equipment
TERM RATE
Up to 48 Months 3.39% – 17.85% APR*
49 – 65 Months 5.10% – 17.95% APR*
66 – 74 Months 6.14% – 17.99% APR*
75 – 84 Months 7.20% – 11.00% APR*
85 – 120 Months 8.04% – 12.10% APR*
121 – 144 Months 8.99% – 13.85% APR*
Inquire for additional terms.

 

Line of Credit
Rates9.50% – 17.99% APR*

 

Unsecured Loan
TERM RATE
 12 Month Anytime Any Day Loan 6.70% – 10.20% APR*
Unsecured up to $10,000 (up to 48 months) 9.74% – 17.95% APR*
Unsecured $10,000.01 to $35,000 (up to 60 months) 10.74% – 17.99% APR*
Pay Day Loan (60-day term) 17.99% – 17.99% APR*
Teacher Loan (12 month term) 2.25% – 9.24% APR*

 

Credit Cards
TERM RATE
Beacon Blue Platinum MasterCard 9.80% – 18.00% APR*
6 month introductory rate 1.80% – 9.80% APR* balance transfers and purchases

 

Share Secured
TERM RATE
60 Months 3.25% APR* above Dividend

 

Share Certificates
TERM RATE
Term of Certificate 3.25% APR* above Interest

 

First Mortgage
TERM RATE
15 Years rates change frequently please call  281-471-1782
20 Years rates change frequently please call 281-471-1782
Apply for your loan online.

 

Home Equity (LTV up to 80%)
TERM RATE
Up to 10 Years Rates as low as 3.90% APR* (Call for more information)
Up to 15 Years Rates as low as 4.35% APR* (Call for more information)

 

Unimproved Property (LTV up to 90%)
TERM RATE
Up to 10 Years Rates as low as 6.14% APR* (Call for more information)
Up to 15 Years Rates as low as 6.64% APR* (Call for more information)

† There are no other discounts available for this rate.

*APR = Annual Percentage Rate

All Rates & Terms are subject to change without notice.

Beacon Federal Credit union will provide written disclosures before or at time covered borrower becomes obligated on transaction.  The written disclosures will contain the following:

  • MAPR description applicable to the extension of credit
  • Any disclosures required by Regulation Z
  • Clear description of the payment obligation

Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll free telephone number.

Credit Cards: Variable rate account. Your rate will be determined by your credit score.
After 6-month introductory period ends, your APR will be based on your credit worthiness.
The variable APR will vary with the market based on the Prime Rate, and will not exceed 17.99%.

Rates quoted as of 10/17/2018.