Whether you’re a first-time homebuyer or looking to save money by refinancing, BECU can help ease the home loan process. With our great rates and online tools, it’s easier to find a loan that fits your needs. If you’d like help narrowing down the choices, e-mail us or visit us at a BECU Neighborhood Financial Center. We look forward to hearing from you.

Home Loans APR* effective 05/16/2012
30 Year Fixed	4.291%
30 Year Jumbo	4.700%
12 Year No Fee	3.904%

Your Online Home Loan Resource

Interested in learning more about BECU home loan options? Visit our home loan center at www.becuhomeloans.org:

• Choose the best home loan for you
• Apply for your loan online
• Learn about purchasing or refinancing your home
• Privacy statement, calculators, insurance, and more

BECU Homes for Sale

If you are searching to find the right home at the right price, take a look at the BECU homes for sale. We have homes for sale that are affordably priced.

• Low rate, no origination or discount fees
• Owner occupied up to 95% LTV
• Non-owner occupied up to 80% LTV
• Financing available for qualified members

View the homes for sale.
Apply for a BECU home for sale.

BECU Real Estate Services*

When it comes to buying a home, all of us could benefit from a knowledgeable partner who is looking out for our best interests. That's why BECU Real Estate Services created its Member Advocate program. After you register you’ll be teamed up with a personal advocate who will monitor the entire purchase process, from finding the right real estate agent to all the closing details. The service includes discounted closing costs and a 20% rebate on certified BECU real estate agent commission when using Real Estate Services.

Learn more about BECU Real Estate Services.

Enjoy the convenience of a revolving variable-rate home equity line of credit. And the added flexibility with the option to lock in all or part of the available credit as fixed rate advances.

Enjoy Greater Benefits with Member Advantage

With Member Advantage at BECU, you’ll enjoy additional benefits, such as lower rates on home equity fixed rate advances, boat and RV loans, cash back on auto loans, along with better earnings on CD, IRA and Money Market accounts. Member Advantage also rewards you with a premium rate on the first $500 in both your checking and savings accounts. Learn More.

More about BECU’s Home Equity Line of Credit

1. There are no annual fees or prepayment penalties.
2. Enjoy flexibility in your payment schedules and in how many loans you can have.
   • Use it as a variable rate line of credit.
   • Get access to funds again as you pay down the balance up to the credit limit.
   • Use it as a fixed rate home equity advance. Fixed rate advances allow you to take out a lump sum and lock in your rate. You can have up to three fixed rate advances at any given time, and can take out an unlimited amount of fixed rate advances over the 10-year draw period.
3. Manage your loans through Online Banking.
   • Set up fixed rate advances
   • Take advances from your line of credit
   • Make and schedule payments
4. There are lots of options available.
   • Available on owner- and non-owner-occupied properties
   • Borrow up to 100% of the available equity in your home
   • Interest may be tax-deductible ¹

Home Equity Advantage Rates APR* effective 05/01/2012
	Owner Occupied - Low LTV	Owner Occupied - High LTV	Non-Owner Occupied
Fixed Rate Advance w/Member Advantage   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	4.49% - 6.49%	6.49% - 8.24%	6.99% - 8.99%
Fixed Rate Advance	5.49% - 7.49%	7.49% - 9.24%	7.99% - 9.99%
Variable Rate Line of Credit	3.99% - 4.74%	4.99%	4.99% - 5.74%

Loan Payment Protection - BECU offers this optional program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

To learn more about Loan Payment Protection, call 800-233-2328. Read the Loan Payment Protection Contract (pdf).

BECU has new and used auto loans with flexible terms to help fit your needs. And if you have Member Advantage, you’ll enjoy the benefit of cash back on auto loans.*

Enjoy Greater Benefits with Member Advantage

With Member Advantage at BECU, you may enjoy additional benefits, such as cash back on auto loans, lower rates on home equity fixed rate advances, boat and RV loans, along with better earnings on CD, IRA and Money Market accounts. Member Advantage also rewards you with a premium rate on the first $500 in both your checking and savings accounts. Learn More.

Auto Loans APR* effective 05/01/2012
New Auto Loan (2009 models and newer)	2.89% - 18.00%
Used Auto Loan (2008 models and older)	3.39% - 18.00%

BECU Loan Features & Benefits

• Models three years old or newer qualify for new auto loan rates
• BECU rates apply when you refinance your current auto loan from another financial institution
• Large network of Credit Union Direct Lending (CUDL) dealers to get on-the-spot financing*

Simplify Your Car Search with AutoSMART

Provided by CUDL, use AutoSMART to view new and used cars, locate CUDL dealers, research trade-in values, get a vehicle history check and more. When you find the car you want, you can apply for on-the-spot financing at the dealership**. Learn about Financing at the Dealership.

GAP (Guaranteed Asset Protection) - If your car is stolen or totaled, auto insurance doesn’t always cover all the costs. GAP may cover the difference between your insurance settlement and the loan balance.

• Includes both new and used vehicles
• Waives losses up to a maximum of $50,000
• Covers insurance deductible up to $1,000
• If your GAP is used, receive $1,000 credit toward purchase of your next vehicle financed through BECU

Add GAP to your auto loan at the time of financing or call us at 800-233-2328 to add it to your existing auto loan.

Loan Payment Protection - BECU offers this program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

Add Loan Payment Protection to your auto loan at the time of financing or call us 800-233-2328 to add it to your existing auto loan. Read the Loan Payment Protection Contract (pdf ).

Similar to a credit card, your funds become available again up to your limit as you pay down the balance with no annual fees or transfer fees. A Line of Credit provides overdraft protection on your checking account when you need it, and also can be used to consolidate your debts to avoid paying higher interest rates elsewhere.

Personal Line of Credit APR* effective 05/01/2012
Line of Credit	8.90%-18.00%

Features & Benefits

• Low, competitive rates
• Overdraft protection on your checking account
• Emergency cash when you need it, or consolidate your debts
• Funds become available again as you pay down the balance
• No annual fees or transfer fees
• Online account access

Optional Feature

Loan Payment Protection - BECU offers this program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

To add Loan Payment Protection to your Line of Credit, call us at 206-439-5700 or 800-233-2328. Read the Loan Payment Protection Contract (pdf).

Thinking about purchasing a motorcycle, boat, RV, ATV or other sport vehicle? BECU has better rates and loan solutions that could work for you. And if you have Member Advantage, you’ll enjoy the benefit of even lower rates on boat and RV loans.

Enjoy Greater Benefits with Member Advantage

With Member Advantage at BECU, you’ll enjoy additional benefits, such as lower rates on recreational and boat loans, home equity fixed rate advances, cash back on auto loans, along with better earnings on CD, IRA and Money Market accounts. Member Advantage also rewards you with a premium rate on the first $500 in both your checking and savings accounts. Learn More.

Recreational and Sport Vehicle Rates APR* effective 05/01/2012
	Boats	Recreational Vehicles	Sport Vehicles
Fixed Rate w/Member Advantage   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	4.74% - 17.50%	4.74% - 17.50%	N/A
Fixed Rate	5.24% - 18.00%	5.24% - 18.00%	10.25%

BECU Loan Features & Benefits

• Flexible repayment terms
• Free online account access

Loan Payment Protection - BECU offers this optional program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

To add Loan Payment Protection to your Recreational or Sport Vehicle loan, call 800-233-2328. Read the Loan Payment Protection Contract (pdf).

Private Student Loans help students pay for college when federal loans, scholarships and other financial aid are not enough to cover the full cost of education. Students can use a Private Student Loan to finance tuition and other costs associated with attending college, such as books and room and board. A BECU Private Student Loan offers you cost-savings by offering lower interest rates and no origination fees. BECU Private Student Loans are funded and serviced by Credit Union Student Choice.

Private Student Loan APR* effective 05/01/2012
Private Student Loans	5.49% - 7.24%

Returning Borrowers: If you are a returning borrower and want to perform a funds draw request, visit Undergrad Returning Borrower.

Grad Business Students: If you are enrolled in a Business program at an approved school, we have loan solutions for you. For more details, choose one of the following: New Borrower or Returning Borrower.

To learn more about Private Student Loans visit the Student Choice: Student Lending Center or call our student loan specialists 24/7 at 866-253-5967.

College Funding and Planning Help

BECU offers a free web-based college planning service for members. This service is offered through our collaboration with Collegiate Funding Solutions. It can help you make smart, informed college planning and financial decisions—helping you to save money on your out-of-pocket college costs.

Get More Details

BECU membership is required for the student borrower before the student loan is funded. Learn about becoming a BECU member.

Features & Benefits

• No origination fees
• Maximum aggregate loan amounts: undergraduates up to $75,000; graduate MBAs up to $100,000 (minimum required certified loan amount is $1,000)
• Straight repayment or graduated repayment options available
• Up to 25-year repayment term and no pre-payment penalties
• 6-month grace period before repayment begins either upon graduation or separation from school
• Full deferment of principal and interest while in school
• Co-borrower release after 48 consecutive on-time payments
• Easy online application process