Featured Savings Rates
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Beech Island Credit Union

Popular Accounts at this Credit Union

1.02%5-year CD60 Month Share Certificate
0.25%1-year CD12 Month Share Certificate
0.07%SavingsHoliday Savings Account

Overview / Commentary
143 Old Jackson Highway
Beech Island, SC 29842

Beech Island Credit Union is headquartered in Beech Island and is the 54th largest credit union in the state of South Carolina. It is also the 4,646th largest credit union in the nation. It was established in 1971 and as of September of 2016, it had grown to 4 employees and 1,131 members at 2 locations. Beech Island Credit Union has a B health rating.

Field of Membership Restrictions

Beech Island CU is open to anyone who resides, works, or is a registered student in Aiken County, South Carolina.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Beech Island Credit Union has a very low asset base.

Health Grade Components

NCUA #60810
Year Chartered1971
Primary Regulator
Profit Margin
Return on Assets - YTD-1.72%
Return on Equity - YTD-15.09%
Annual Interest Income$136.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$6.7MM$6.2MM
LoansQ3 2016vs Q3 2015$2.8MM$2.9MM
DepositsQ3 2016vs Q3 2015$5.9MM$5.3MM
Equity CapitalQ3 2016vs Q3 2015$742.00K$845.00K
Loan Loss AllowanceQ3 2016vs Q3 2015$34.00K$30.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$15.00K$6.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Beech Island Credit Union Savings Account Rates

0.10%--IRA Share
0.07%*$30k*-Share Savings Account
OTHER TIERS: 0.03% $500 - $10k | 0.05% $10k - $30k
0.07%*$30k*-Holiday Savings Account
OTHER TIERS: 0.03% $500 - $10k | 0.05% $10k - $30k

Beech Island Credit Union CD Rates

1.02%$1k-60 Month Share Certificate
0.90%$1k-48 Month Share Certificate
0.66%$1k-36 Month Share Certificate
0.40%$1k-24 Month Share Certificate
0.25%$1k-12 Month Share Certificate
0.15%$1k-6 Month Share Certificate

Beech Island Credit Union IRA Rates

1.02%$1k-60 Month IRA Certificate
0.90%$1k-48 Month IRA Certificate
0.66%$1k-36 Month IRA Certificate
0.40%$1k-24 Month IRA Certificate
0.25%$1k-12 Month IRA Certificate
0.15%$1k-6 Month IRA Certificate

Beech Island Credit Union Locations
Branch Office1070 Edgefield RdNorth Augusta, SC 29860-9277
Branch Office143 Old Jackson HwyBeech Island, SC 29842-4566