APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.beaconcu.org/savings-rates/
Read: 2026-10-22T16:21:09.000Z

Minimum | APY | Interest Rate
3 Month Certificate | $500.00 | 2.55% | 2.52%
6 Month Certificate | $500.00 | 2.85% | 2.81%
9 Month Certificate | $500.00 | 4.25% | 4.17%
1 Year Certificate | $500.00 | 3.90% | 3.83%
18 Month Certificate | $500.00 | 4.15% | 4.07%
2 Year Certificate | $500.00 | 4.35% | 4.27%
3 Year Certificate | $500.00 | 4.35% | 4.27%
4 Year Certificate | $500.00 | 4.35% | 4.27%
5 Year Certificate | $500.00 | 4.50% | 4.41%
Minimum | APY | Interest Rate
3 Month Certificate | $100,000.00 | 2.65% | 2.62%
6 Month Certificate | $100,000.00 | 2.95% | 2.91%
9 Month Certificate | $100,000.00 | 4.25% | 4.17%
1 Year Certficiate | $100,000.00 | 4.00% | 3.93%
18 Month Certificate | $100,000.00 | 4.25% | 4.17%
2 Year Certificate | $100,000.00 | 4.46% | 4.37%
3 Year Certificate | $100,000.00 | 4.46% | 4.37%
4 Year Certificate | $100,000.00 | 4.46% | 4.37%
5 Year Certificate | $100,000.00 | 4.60% | 4.51%
Balance | APY | Interest Rate
$0 - $999.99 | 0.00% | 0.00%
$1,000 - $9,999.99 | 0.40% | 0.40%
$10,000.00 - $49,999.99 | 0.90% | 0.90%
$50,000.00 - $99,999.99 | 1.75% | 1.74%
$100,000.00 - $249,999.99 | 2.25% | 2.23%
$250,000.00 - up | 2.70% | 2.67%
Balance | APY | Interest Rate
$0 - $9,999.99 | 0.00% | 0.00%
$10,000.00 - $49,999.99 | 0.90% | 0.90%
$50,000.00 - $99,999.99 | 1.75% | 1.74%
$100,000.00 - $249,999.99 | 2.25% | 2.23%
$250,000.00 - $499,999.99 | 2.70% | 2.67%
$500,000.00-up | 2.85% | 2.81%
Balance | APY | Interest Rate
All Balances | .15% | .15%
Balance | APY | Interest Rate
$0-$5.00 | 0.00% | 0.00%
$5.01-up | 6.00% | 5.84%
Balance | APY | Interest Rate
Advantage Plus Checking [4, 5, 7] | Up to $10,000 | 5.00% | 4.89%
Above $10,000 | .05% | .05%
Interest Advantage Checking | $100.00 (minimum) | .15% | .15%
Net Direct Checking [4] | No Minimum | .00% | .00%
Youth Debit Account [4] | No Minimum | .00% | .00%
Balance | APY | Interest Rate
Business Checking | All Balances | .00% | .00%
Organizational Checking | All Balances | .00% | .00%
[2] APY- Annual Percentage Yield. A penalty will be imposed for early withdrawal. Dividend is compounded monthly. The dividend is calculated by the daily balance method which applies the dailyperiodic rate to the balance in the account each day. Early withdrawal penalties (a penalty may be imposed for early withdrawals before maturity) we may impose will be based on the remaining days in the term of your share certificate as follows: 365 days or less remaining a penalty of 91 days interest, 366-730 days remaining a penalty of 180 days interest, 731-1095 days remaining a penalty of 365 days interest, 1,096-1,460 days remaining a penalty of 540 days interest, and a remaining term greater than 1,460 days a penalty of 730 days interest.
[6] APY (Annual Percentage Yield) if balance is above $5; subject to change. 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 (for consumer) or business’ (for business) membership within previous 12 months.
[7] Must have ACH deposit(s) totaling $1000 or more during statement cycle, receive eStatements, and complete at least twenty-five (25) point-of-sale (POS) transactions which post to account during the statement cycle to earn advertised APY and ATM foreign surcharge fee refunds (up to $4.99 per transaction with a maximum of $15.00 per month). Foreign fee surcharge must be submitted with the appropriate ATM switch fee coding to qualify for rebate. Limit one account per tax reporting name. If monthly requirements are met, 5.00% APY is earned on balances up to $10,000 and .05% APY is earned on all balances above $10,000. If monthly requirements not met; all balances earn .05% APY. $50 minimum required to open; no minimum balance required after opening