# Beacon Credit Union (Indiana) CD and share certificate rates

As of October 22, 2026, Beacon Credit Union (Indiana)'s highest tracked CD (share certificate) rate is 4.60% APY on a 60-month CD ($100,000 minimum). That is 3.3 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.55% to 4.60% APY.

Canonical page: https://apyledger.com/cd-rates/beacon-credit-union-indiana
Institution: Beacon Credit Union (NCUA 82791)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:09.000Z (October 22, 2026)
Official source: https://www.beaconcu.org/savings-rates/
Coverage: Membership required. Share certificates from 3 months to 5 years with separate $500 and $100,000 balance tiers. Public funds are not eligible for jumbo or special certificates. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Share Certificate | standard | 3 months | $100,000 | 2.65% | Not ZIP-priced | −1.65% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 3 months | $500 | 2.55% | Not ZIP-priced | −1.75% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Jumbo Share Certificate | standard | 6 months | $100,000 | 2.95% | Not ZIP-priced | −1.45% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 6 months | $500 | 2.85% | Not ZIP-priced | −1.55% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 9 months | $500 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Jumbo Share Certificate | standard | 9 months | $100,000 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Jumbo Share Certificate | standard | 12 months | $100,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 12 months | $500 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Jumbo Share Certificate | standard | 18 months | $100,000 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 18 months | $500 | 4.15% | Not ZIP-priced | −0.57% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Jumbo Share Certificate | standard | 24 months | $100,000 | 4.46% | Not ZIP-priced | −0.41% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 24 months | $500 | 4.35% | Not ZIP-priced | −0.52% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Jumbo Share Certificate | standard | 36 months | $100,000 | 4.46% | Not ZIP-priced | −0.49% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 36 months | $500 | 4.35% | Not ZIP-priced | −0.60% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Jumbo Share Certificate | standard | 48 months | $100,000 | 4.46% | Not ZIP-priced | −0.52% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 48 months | $500 | 4.35% | Not ZIP-priced | −0.63% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Jumbo Share Certificate | standard | 60 months | $100,000 | 4.60% | Not ZIP-priced | −0.41% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |
| Regular Share Certificate | standard | 60 months | $500 | 4.50% | Not ZIP-priced | −0.51% | 2026-10-22T16:21:09.000Z | [Snapshot 315](https://apyledger.com/snapshots/315) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.