Ownership Share
Your relationship with Beacon starts with an Ownership Share account. This account acts as a way of reaping the benefits of membership to your local credit union, rewarding one of our highest APY rates for participating in qualifying products and services across the credit union as an active member.
FAQs
[1] Annual Percentage Yield (APY) as of 11/01/2025 if balance is above $5; subject to change. Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. [2] Applicable Share Certificate dividends exclude HSA and IRA. [3] Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the individual’s membership within previous 12 months. Consumer accounts only; business accounts not eligible.
Savings Plus
Start building your future today with Savings Plus — the simple, secure way to grow your money while keeping it accessible. It’s a great way to start saving for unplanned expenses or vacations.
Membership qualifying account required (for new membership after 11/1/25).
Advantage Money Market
Earn higher dividends on your savings while maintaining easy access to your funds. The more you save, the more you’ll earn.
[1] Annual Percentage Yield (APY) as of 03/01/2025; subject to change. No minimum balance required to open or maintain account. Access via debit cards or checks (paper or electronic) not permitted. Limit of 8 withdrawals per calendar month; withdrawals over the limit will be assessed a fee. Membership qualifying account required. $5 Monthly Account Maintenance Fee (can be avoided by receiving eStatements).
[2] Advantage Money Market (MMS) and Business Advantage Money Market (BMMS) accounts at Beacon Credit Union are insured up to $500,000. This exceptional level of coverage is attained through a combination of $250,000 of primary insurance from American Share Insurance (ASI) and $250,000 of excess insurance from Excess Share Insurance Corporation (ESI).