Checking Accounts

Basic Checking
Minimum to Open: $25
Balance to Earn APY N/A
APY1 0.00%
Dividend Rate 0.00%
Dividends Compounded: Monthly

Preferred Checking
Minimum to Open: $100
Balance to Earn APY $200 ADB*
APY1 0.05%
Dividend Rate 0.05%
Dividends Compounded: Monthly

Choice Plus Checking
Minimum to Open: $100
Tier Balance to Earn APY APY1 Dividend Rate
1 $0.00 to $2,500 5.05% 4.94%
2 Over $2,500 0.05% 0.05%
Dividends Compounded: Monthly


Savings Accounts

Regular Share
Minimum to Open: $25
Balance to Earn APY $200
APY1 0.10%
Dividend Rate 0.10%
Dividends Compounded: Monthly

Tiered Savings
Minimum to Open: $100
Tier Balance to Earn APY APY1 Dividend Rate
1 $0 to $999.99 0.10% 0.10%
2 $1,000 to $4,999.99 0.15%  0.15% 
3 $5,000 to $9,999.99 0.20%  0.20% 
4 $10,000 to $49,999.99 0.25% 0.25%
5 $50,000 to $99,999.99 0.30% 0.30%
6 $100,000 and up 0.35% 0.35%
Dividends Compounded: Monthly

Christmas Club
Minimum to Open: N/A
Balance to Earn APY N/A
APY1 0.10%
Dividend Rate 0.10%
Dividends Compounded: Monthly

Vacation Club
Minimum to Open: N/A
Balance to Earn APY N/A
APY1 0.10%
Dividend Rate 0.10%
Dividends Compounded: Monthly

IRA
Minimum to Open: N/A
Balance to Earn APY N/A
APY1 0.50%
Dividend Rate 0.50%
Dividends Compounded: Monthly

Kirby Club
Minimum to Open: N/A
Tier Balance to Earn APY APY1 Dividend Rate
1 Up to $4,999.99 1.50% 1.49%
2 $5,000 and Up 0.10%  0.10% 
Dividends Compounded: Monthly


Horizon Tiered Market Accounts

Horizon Money Market
Minimum to Open: $100
Tier Balance to Earn APY APY1 Dividend Rate
1 $0 to $199.99 0.00% 0.00%
2 $200 to $1,999.99 0.10% 0.10%
3 $2,000 to $4,999.99 0.25% 0.25%
4 $5,000 to $9,999.99 0.30% 0.30%
5 $10,000 to $49,999.99 0.40% 0.40%
6 $50,000 and Up 0.45% 0.45%
Dividends Compounded: Monthly
*The Beacon Horizon Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Example: If a member has a total balance of $15,000, $0.00 to $1,999.99 will not earn an APY. $2,000 to $4,999.99 will earn an APY of 0.00%. $5,000 to $9,999.99 will earn an APY of 0.10%. $10,000 to $15,000 will earn an APY of 0.25%. Please contact a Beacon Credit Union representative for any questions 1.800.868.6655.


Certificates

Certificates
Minimum to Open: $500
Type Balance to Earn APY APY1 Dividend Rate
12 Month Bump $500 0.70% 0.70%
12 Months $500 0.85% 0.85%
18 Months $500 0.95% 0.95%
For 12 month and 18 month share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not.
24 Months $500 1.00% 1.00%
For 24 month share certificates, the early withdrawal penalty is 180 days of dividend whether earned or not.
36 Months $500 1.40% 1.39%
For 36 month share certificates, the early withdrawal penalty is 270 days of dividend whether earned or not.
48 Months $500 1.60% 1.59%
60 Months $500 1.75%  1.74% 
For 48 month and 60 month share certificates, the early withdrawal penalty is 365 days of dividend whether earned or not.
Dividends Compounded: Monthly


Business Certificates

Business Certificates
Minimum to Open: $500
Type Balance to Earn APY APY1 Dividend Rate
3 Month $500 0.30% 0.30%
6 Month $500 0.40% 0.40%
Dividends Compounded: Monthly

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