Beach Municipal FCU Offers Competitive Deposit Rates
Credit Unions traditionally offer higher deposit rates than other financial institutions, and we are no exception! We regularly review our rates to ensure Beach Municipal FCU members' deposit rates are competitive in our market.
If you would like to make an appointment to discuss or open any of our deposit accounts, please use the following secure form.
| Name | Dividend Rate | Annual Percentage Yield APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance Method |
|---|---|---|---|---|---|---|
| Share/All About Me | ||||||
| Tier I | 0.00% | 0.00% | $5.00 | $0.00 | $0-$25 | Daily |
| Tier II | 0.00% | 0.00% | $5.00 | $0.00 | $25.01- $250 | Daily |
| Tier III | 0.10% | 0.10% | $5.00 | $0.00 | $250.01 - $1,000 | Daily |
| Tier IV | 0.15% | 0.15% | $5.00 | $0.00 | $1,000.01 & over | Daily |
Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787. | ||||||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance Method |
|---|---|---|---|---|---|---|
| Share/Long John Saver & The Pipeline | ||||||
| Long John Saver & The Pipeline | 0.15% | 0.15% | $5.00 | $0.00 | $5.00 | Daily |
Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787. | ||||||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance Method |
|---|---|---|---|---|---|---|
| Share/Vacation & Holiday | ||||||
| Holiday & Vacation | 0.15% | 0.15% | $5.00 | $0.00 | $5.00 | Daily |
Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787. | ||||||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | **Minimum Balance to Earn Stated APY | Balance Method |
|---|---|---|---|---|---|---|
| Checking Account | 0.05% | 0.05% | $0.00 | $0.00 | $500.00 | Daily |
Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787. | ||||||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance Method |
|---|---|---|---|---|---|---|
| Tier I | 0.15% | 0.15% | $2,500.00 | $0.00 | $0 -$2,499.99 | Daily |
| Tier II | 0.60% | 0.60% | $2,500.00 | $0.00 | $2,500 -$9,999.99 | Daily |
| Tier III | 0.75% | 0.75% | $2,500.00 | $0.00 | $10,000 -$24,999.99 | Daily |
| Tier IV | 1.10% | 1.11% | $2,500.00 | $0.00 | $25,000 -$99,999.99 | Daily |
| Tier V | 1.70% | 1.71% | $2,500.00 | $0.00 | $100,000 & over | Daily |
Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787. | ||||||
| Term | Minimum Balance | Rate | APY* |
|---|---|---|---|
| 6 months | $500.00 | 1.03% | 1.03% |
| 12 months | $500.00 | 1.17% | 1.18% |
| 30 months | $500.00 | 1.34% | 1.35% |
| 60 months | $500.00 | 4.13% | 4.19% |
| 91 days | $1,000.00 | 0.90% | 0.90% |
| 6 months | $1,000.00 | 1.92% | 1.92% |
| 12 months | $1,000.00 | 2.56% | 2.58% |
| 18 months | $1,000.00 | 2.78% | 2.81% |
| 30 months | $1,000.00 | 2.93% | 2.96% |
| 6 months | $10,000.00 | 1.55% | 1.55% |
| 12 months | $10,000.00 | 4.40% | 4.47% |
| 18 months | $10,000.00 | 4.40% | 4.47% |
| 24 months | $10,000.00 | 4.25% | 4.32% |
| 30 months | $10,000.00 | 4.30% | 4.37% |
*APY = Annual Percentage Yield. Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787. | |||
| Term | Available Options | Rate | APY |
|---|---|---|---|
| 60 months | $50 and $100 only | 4.91% | 5.00% |
*APY = Annual Percentage Yield. Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.
| |||
| Term | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| See disclosure | $50.00 | 1.34% | 1.35% |
*APY = Annual Percentage Yield. Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.
| |||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance Method |
|---|---|---|---|---|---|---|
| IRA Share | 0.50% | 0.50% | $0.00 | $0.00 | $0.00 | Daily |
Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. This Credit Union is federally insured by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787. | ||||||
| Term | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| 12 months | $500.00 | 2.16% | 2.16% |
| 12 months | $2,500.00 | 4.45% | 4.45% |
*APY = Annual Percentage Yield. Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787. | |||
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