Deposit Rates
Checking Accounts
| Basic Checking | |
| Minimum to Open: | $25 |
| Balance to Earn APY1 | N/A |
| APY1 | 0.00% |
| Dividend Rate | 0.00% |
| Dividends Compounded: Monthly | |
| Preferred Checking | |
| Minimum to Open: | $100 |
| Balance to Earn APY1 | $200 ADB* |
| APY1 | 0.01% |
| Dividend Rate | 0.01% |
| Dividends Compounded: Monthly | |
| Choice Plus Checking | |||
| Minimum to Open: $100 Minimum to Earn Tier 1: $300 Average Daily Balance |
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| Tier | Balance to Earn APY1 | APY1 | Dividend Rate |
| 1 | $0.00 to $2,500 | 5.05% | 4.94% |
| 2 | Over $2,500 | 0.01% | 0.01% |
| Dividends Compounded: Monthly | |||
Savings Accounts
| Regular Share | |
| Minimum to Open: $25 | |
| Balance to Earn APY1 | $200 |
| APY1 | 0.05% |
| Dividend Rate | 0.05% |
| Dividends Compounded: Monthly | |
| Tiered Savings | |||
| Minimum to Open: $25 | |||
| Tier | Balance to Earn APY | APY1 | Dividend Rate |
| 1 | $0 to $999.99 | 0.01% | 0.01% |
| 2 | $1,000 to $4,999.99 | 0.05% | 0.05% |
| 3 | $5,000 to $9,999.99 | 0.35% | 0.35% |
| 4 | $10,000 to $49,999.99 | 0.65% | 0.65% |
| 5 | $50,000 to $99,999.99 | 0.75% | 0.75% |
| 6 | $100,000 and up | 0.80% | 0.80% |
| Dividends Compounded: Monthly | |||
| Christmas Club | |
| Minimum to Open: N/A | |
| Balance to Earn APY1 | N/A |
| APY1 | 0.05% |
| Dividend Rate | 0.05% |
| Dividends Compounded: Monthly | |
| Vacation Club | |
| Minimum to Open: N/A | |
| Balance to Earn APY1 | N/A |
| APY1 | 0.05% |
| Dividend Rate | 0.05% |
| Dividends Compounded: Monthly | |
| IRA | |
| Minimum to Open: N/A | |
| Balance to Earn APY1 | N/A |
| APY1 | 0.20% |
| Dividend Rate | 0.20% |
| Dividends Compounded: Monthly | |
| Kirby Club | |||
| Minimum to Open: $5 | |||
| Tier | Balance to Earn APY1 | APY1 | Dividend Rate |
| 1 | Up to $4,999.99 | 0.75% | 0.75% |
| 2 | $5,000 and Up | 0.05% | 0.05% |
| Dividends Compounded: Monthly | |||
Horizon Tiered Market Accounts
| Horizon Money Market | |||
| Minimum to Open: $100 | |||
| Tier | Balance to Earn APY1 | APY1 | Dividend Rate |
| 1 | $0 to $199.99 | 0.00% | 0.00% |
| 2 | $200 to $1,999.99 | 0.05% | 0.05% |
| 3 | $2,000 to $4,999.99 | 0.20% | 0.20% |
| 4 | $5,000 to $9,999.99 | 0.50% | 0.50% |
| 5 | $10,000 to $49,999.99 | 0.80% | 0.80% |
| 6 | $50,000 and Up | 0.90% | 0.90% |
| 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. Please contact Beacon Credit Union if you have any questions 1.800.868.6655. | |||
Business Tiered Market Accounts
| Business Money Market | |||
| Minimum to Open: $500 | |||
| Tier | Balance to Earn APY1 | APY1 | Dividend Rate |
| 1 | $0 to $1,999.99 | 0.00% | 0.00% |
| 2 | $2000 to $4,999.99 | 0.05% | 0.05% |
| 3 | $5,000 to $9,999.99 | 0.35% | 0.35% |
| 4 | $10,000 to $49,999.99 | 0.70% | 0.70% |
| 5 | $50,000 and Up | 0.80% | 0.80% |
| Dividends Compounded: Monthly | |||
| *The Beacon Business Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Please contact Beacon Credit Union if you have any questions 1.800.868.6655. | |||
Certificates
| Promotional Certificates | |||
| Type | Balance to Earn APY1 | APY1 | Dividend Rate |
| Minimum to Open: $2,500 | |||
| Limited Time Special - 13 Months | $2,500 | 4.40% | 4.31% |
| For 13 months promotional share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not. | |||
| Certificates | |||
| Type | Balance to Earn APY1 | APY1 | Dividend Rate |
| Minimum to Open: $500 | |||
| 12 Month Bump | $500 | 1.65% | 1.64% |
| 12 Months | $500 | 1.75% | 1.74% |
| For 12 month share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not. With the 12 month bump, one early withdrawal penalty is free. | |||
| 24 Months | $500 | 1.80% | 1.79% |
| For 24 month share certificates, the early withdrawal penalty is 180 days of dividend whether earned or not. | |||
| 36 Months | $500 | 2.00% | 1.98% |
| For 36 month share certificates, the early withdrawal penalty is 270 days of dividend whether earned or not. | |||
| 48 Months | $500 | 1.75% | 1.74% |
| 60 Months | $500 | 1.50% | 1.49% |
| 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
| Promotional Business Certificates | |||
| Type | Balance to Earn APY1 | APY1 | Dividend Rate |
| Minimum to Open: $5,000 | |||
| Limited Time Special - 5 Months | $5,000 | 3.75% | 3.69% |
| For 5 months promotional share certificates, the early withdrawal penalty is 30 days of dividend whether earned or not. | |||
| Limited Time Special - 9 Months | $5,000 | 4.00% | 3.93% |
| For 9 months promotional share certificates, the early withdrawal penalty is 30 days of dividend whether earned or not. | |||
| Business Certificates | |||
| Minimum to Open: $500 | |||
| Type | Balance to Earn APY1 | APY1 | Dividend Rate |
| 3 Months | $500 | 0.05% | 0.05% |
| 6 Months | $500 | 0.10% | 0.10% |
| For all business share certificates, the early withdrawal penalty is 30 days of dividend whether earned or not. | |||
| Dividends Compounded: Monthly | |||
