PO Box 1704
La Porte, TX 77572

Notable Rates APY Vs.Others
Savings 0.10% 2.25% →
1-Year CD 2.10% 2.25% →
2-Year CD 2.30% 2.50% →
5-Year CD 2.75% 3.25% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Beacon is an NCUA insured institution located in La Porte, TX. It was founded in 1949 and has approximately $167.46 millions in assets.

NCUA Insured Yes
Charter Number # # 6062
Date Established 1949
Assets $167.46 million
Loans $96.95 million
Deposits $152.82 million
Capital $13.29 million

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships, or attends school in the Southeast Harris County areas of Baytown, La Porte and Seabrook. Membership requires a minimum deposit of $5 into the savings account.

Deposit Rates - December 16, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $1 $9,999 Learn MoreShow Less
Money Market
0.50% $10,000 $24,999 Learn MoreShow Less
Money Market
0.75% $25,000 - Learn MoreShow Less
Fixed IRA
2.10% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
1.05% $1,000 - Learn MoreShow Less
6 Mo CD
1.70% $1,000 - Learn MoreShow Less
2.10% $1,000 $89,999 Learn MoreShow Less
2.30% $1,000 $89,999 Learn MoreShow Less
2.55% $1,000 $89,999 Learn MoreShow Less
2.75% $1,000 $89,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.35% $5 - Learn MoreShow Less

Loan Rates - December 16, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for BEACON

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
3.537% 3.500% 0.50 $1,162 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($222) $1,141 Learn More
American Federal Mortgage Corp.
NMLS ID: 2756
License#: 2612
3.761% 3.750% 0.13 $340 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

Note to BEACON
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Beacon branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Beacon Locations

Financial Details

Beacon Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Beacon. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Beacon U.S. Average
4.26% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Beacon had $529,506 in non-current loans and $55,899 in owned assets. To cover these potential losses it had $13,288,722 in net worth and $465,187 in loans loss reserves. That gives it a Texas Ratio of 4.26%.

Net Worth
Beacon U.S. Average
7.98% 13.65%

Beacon FCU has a net worth of 7.98% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Beacon

Branches and Savings

What is Beacon?

A federal credit union, registered with the NCUA under certificate #6062.
Learn more about credit unions here.

Is Beacon FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Beacon?

Please see Field of Membership information above for information on who is eligible to join.

What are Beacon's share account and share certificate rates?

Beacon's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Beacon?

Beacon has total capital of $13.29 million. Full information on Beacon's financial position is located above.

Who owns Beacon?

Credit Unions are owned by their members.

Where are Beacon branches located?

See branch locations nearby.

Are Beacon ATMs Open 24/7?

Do Beacon ATMs accept cash deposits?

Can Beacon customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Beacon have a mobile app?

Does Beacon have mobile deposit?

Does Beacon have quick pay?

How can Beacon transfer money to other banks or credit unions?

Does Beacon report to credit bureaus?

Does Beacon use Chexsystems?

Does Beacon use Equifax?

What is Beacon's toll free phone number?

What is Beacon's ACH Routing Number?

What is Beacon's SWIFT code?

Where can I find Beacon's wire transfer form?

What is the Beacon address for deposits?

What Products Does Beacon Offer

Does Beacon offer mortgages?

Compare mortgage rates here.

Does Beacon offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Beacon offer auto and RV loans?

Compare auto loan rates here.

Does Beacon offer student loans or personal loans?

Compare personal loan rates here.

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