CHECKING ACCOUNTS

Checking Accounts

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

Basic Checking

$25.00

N/A

0.00%

0.00%

Monthly

Preferred
Checking

$100

$200 Average
Daily Balance

0.10%

0.10%

Monthly

Choice Plus Checking

$100

$300 Average
Daily Balance

Tier 1 $0.00 to $2,500

Tier 2 Over $2,500

Tier 1 - 5.05%

Tier 2 - 0.10%

Tier 1 - 4.94%

Tier 2 - 0.10%

Monthly


SAVINGS ACCOUNTS

Savings Accounts

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

Regular Share

$25

$200

0.15%

0.15%

Monthly

Tiered Savings

$25

$0.00 to $999.99

0.15%

0.15%

Monthly

 

 

$1,000 to $4,999.99

0.20%

0.20% 

Monthly 

 

 

$5,000 to $9,999.99

0.25%

0.25% 

Monthly 

 

 

$10,000 to $49,999.99

0.30%

0.30%

Monthly 

 

 

$50,000 to
$99,999.99

0.35%

0.35%

Monthly

 

 

$100,000
and up

0.40%

0.40%

Monthly

Christmas Club

N/A

N/A

0.15%

0.15%

Monthly

Vacation Club

N/A

N/A

0.15%

0.15%

Monthly

IRA

N/A

N/A

.95%

.95%

Monthly

Kirby Account

 

N/A

Up to $5,000

2.01%

2.00%

Monthly

 

$5,000
and up

.15%

.15%

Monthly


HORIZON TIERED MONEY MARKET*

Horizon Money Market

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

Tiered Money Market

$100

$0.00 to 
$1,999.99

N/A

N/A

Monthly

 

 

$2,000 to $4,999.99

0.25%

0.25%

Monthly

 

 

$5,000 to $9,999.99

0.30%

0.30%

Monthly

 

 

$10,000 to $49,999.99

0.40%

0.40%

Monthly

 

 

$50,000 and above

0.45%

0.45%

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 0.25%. $5,000 to $9,999.99 will earn an APY of 0.30%. $10,000 to $15,000 will earn an APY of 0.40%. Please contact a Beacon Credit Union representative for any questions 1.800.868.6655.

CERTIFICATES

Certificates

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

Special 5 Year Certificate

$10,000

$10,000

2.00%

1.98%

Monthly

Special 3 Year Certificate

$5,000

$5,000

1.45%

1.43%

Monthly

12 Month Bump

$500

$500

0.40%

0.40%

Monthly

12 Months

$500

$500

0.45%

0.45%

Monthly

18 Months

$500

$500

0.60%

0.60%

Monthly

24 Months

$500

$500

0.70%

0.70%

Monthly

For 24 month share certificates, the early withdrawal penalty will increase to 180 days of dividend whether earned or not.

36 Months

$500

$500

0.85%

0.85%

Monthly

For 36 month share certificates, the early withdrawal penalty will increase to 270 days of divident whether earned or not.

48 Months

$500

$500

1.15%

1.16%

Monthly

For 48 month share certificates, the early withdrawal penalty will increase to 365 days of divident whether earned or not.

60 Months

$500

$500

1.35%

1.36%

Monthly

For 60 month share certificates, the early withdrawal penalty will increase to 365 days of divident whether earned or not.

BUSINESS SAVINGS

Horizon Money Market

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

3 Months

$500

$500

0.10%

0.10%

Monthly

6 Month

$500

$500

0.20%

0.20%

Monthly

 

1 - All rates, except fixed rate certificates of deposit, are subject to change after the account is opened. You must maintain the minimum balance listed in the account disclosure, if any, to earn the advertised Annual Percentage Yield (APY). Fees may reduce earnings on accounts. A penalty will be imposed for premature withdrawal from Certificates of Deposit. Personal accounts only. Rates and terms are subject to change.
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