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 0.05%
Dividend Rate 0.05%
Dividends Compounded: Monthly

Choice Plus Checking
Minimum to Open: $100
Tier Balance to Earn APY1 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 APY1 $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 APY1 N/A
APY1 0.10%
Dividend Rate 0.10%
Dividends Compounded: Monthly

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

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

Kirby Club
Minimum to Open: N/A
Tier Balance to Earn APY1 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 APY1 APY1 Dividend Rate
1 $0 to $199.99 0.00% 0.00%
2 $200 to $1,999.99 0.20% 0.20%
3 $2,000 to $4,999.99 0.45% 0.45%
4 $5,000 to $9,999.99 0.50% 0.50%
5 $10,000 to $49,999.99 0.60% 0.60%
6 $50,000 and Up 0.70% 0.70%
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-$199.99 will not earn an APY. $200.00 to $1,999.99 will earn 0.20%. $2,000.00 to $4,999.99 will earn 0.45%. $5,000 to $9,999.99 will earn 0.50% and $10,000.00 to $15,000.00 will earn 0.60%. Please contact Beacon Credit Union if you have any questions 1.800.868.6655.


Promotional Certificates

Certificates
Type Balance to Earn APY1 APY1 Dividend Rate
30 Month Special $5,000 3.00% 2.96%
For 30 month share certificates, the early withdrawal penalty is 180 days of dividend whether earned or not.
11 Month Special $10,000 1.65% 1.64%
For 11 month share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not.
6 Month Special $2,500 1.25% 1.25%
For 11 month share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not.
Promotional Certificate Rates apply to new money only.


Certificates

Certificates
Minimum to Open: $500
Type Balance to Earn APY1 APY1 Dividend Rate
12 Month Bump $500 1.00% 1.00%
12 Months $500 1.25% 1.25%
18 Months $500 1.30% 1.30%
For 12 month and 18 month share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not.
24 Months $500 1.50% 1.49%
For 24 month share certificates, the early withdrawal penalty is 180 days of dividend whether earned or not.
36 Months $500 1.95% 1.94%
For 36 month share certificates, the early withdrawal penalty is 270 days of dividend whether earned or not.
48 Months $500 2.25% 2.23%
60 Months $500 2.55%  2.53% 
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 APY1 APY1 Dividend Rate
3 Month $500 0.50% 0.50%
6 Month $500 0.60% 0.60%
Dividends Compounded: Monthly

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