Beacon Community Credit Union

7910 National Turnpike
Louisville, KY 40214
800-363-6022
www.beaconccu.org

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Beacon Community Credit Union is headquartered in Louisville and is the 20^th largest credit union in the state of Kentucky. It is also the 2,293^rd largest credit union in the nation. It was established in 1947 and as of December of 2012, it had grown to 20 employees and 9,994 members. Beacon Community Credit Union has a 5-star health rating.

5.50% 60-Month / 5.40% 48-Month CD at a Kentucky CU (Beacon Community) - 11/24/2007

Beacon Community Credit Union has some competitive long-term certificate rates. The highest yield is 5.50% APY for a 60-month term. Other yields include 5.40%, 5.30%, 5.20 and 5.10% APY for 48, 36, 24 and 12 month terms. The minimum deposit is $500....

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See Rates for: Checking | Savings | Money Market | CD | IRA

Beacon Community Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.08%	-	-	Go Green Share Draft

Beacon Community Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$100	-	IRA Savings
0.40%	$100	-	Roth IRA Savings
0.40%	$100	-	CESA Savings
0.15%	$100	-	Regular Share Savings
0.15%	$100	-	Club Account

Beacon Community Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$10k	-	Money Market Account

Beacon Community Credit Union CD Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month Share Certificate
1.30%	$500	-	48 Month Share Certificate
1.15%	$500	-	36 Month Share Certificate
0.90%	$500	-	24 Month Share Certificate
0.65%	$500	-	18 Month Share Certificate
0.50%	$500	-	12 Month Share Certificate
0.25%	$500	-	6 Month Share Certificate

Beacon Community Credit Union IRA Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month IRA Certificate
1.60%	$500	-	60 Month Roth IRA Certificate
1.60%	$500	-	60 Month CESA Certificate
1.30%	$500	-	48 Month IRA Certificate
1.30%	$500	-	48 Month Roth IRA Certificate
1.30%	$500	-	48 Month CESA Certificate
1.15%	$500	-	36 Month IRA Certificate
1.15%	$500	-	36 Month Roth IRA Certificate
1.15%	$500	-	36 Month CESA Certificate
0.90%	$500	-	24 Month IRA Certificate
0.90%	$500	-	24 Month Roth IRA Certificate
0.90%	$500	-	24 Month CESA Certificate
0.65%	$500	-	18 Month IRA Certificate
0.65%	$500	-	18 Month Roth IRA Certificate
0.65%	$500	-	18 Month CESA Certificate
0.50%	$500	-	12 Month IRA Certificate
0.50%	$500	-	12 Month Roth IRA Certificate
0.50%	$500	-	12 Month CESA Certificate

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

BEACON COMMUNITY
NCUA #	60883
BankRate Report	View
Year Chartered	1947
Employees	20
Primary Regulator
Assets and Liabilities
Assets	$48.71 million
Loans	$20.90 million
Deposits	$42.47 million
Equity Capital	$5.64 million
Loan Loss Allowance	$133,000
Unbacked Noncurrent Loans	$62,000
Historic Data - December 2011
Assets	$45.55 million
Equity Capital	$4.86 million
Loan Loss Allowance	$143,000
Unbacked Noncurrent Loans	$75,000
Profit Margin - Quarterly
Net Interest Margin	5.98%
Return on Assets	0.92%
Return on Equity	7.97%
Interest Income	$1.77 million
Non-Interest Income	$1.20 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Beacon Community Credit Union had $62,000 in non-current loans and owned real-estate with $5.77 million in equity and loan loss allowances on hand to cover it. This gives Beacon Community Credit Union a Texas Ratio of 1.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Beacon Community Credit Union decreased slightly from 1.50% as of December 31, 2011 to 1.07% as of December 31, 2012, resulting in a positive change of 28.25%.This indicates that the balance sheet and financial strength for Beacon Community Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Beacon Community Credit Union has increased its total deposits by $2.27 million, resulting in 5.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Beacon Community Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Beacon Community Credit Union has $48.71 million in assets with $5.77 million in equity, resulting in a capitalization level of 11.84%, which is above average.