About Us

We Are a Financial Cooperative That Exists to Actively Serve Our Membership

BECU Benefits

BECU is more than an alternative to a traditional bank; we're a credit union, a not-for-profit financial institution whose members are our stakeholders. We work hard to not only save you money, but help you earn more too.

Checking & Savings | Credit Cards | Auto Loans | Home Loans | Financial Health | Discounts & Events

Fees

Everyone dislikes fees, and at BECU, we do too. Here are a few of our benefits from popular deposit-related products:

  • No minimum balance fee.
  • No monthly maintenance fee.
  • No foreign transaction fee.7
  • No ATM surcharge fee.

More about Checking1 | Open an Account

Interest Earning Checking & Savings

You work hard for your money; wouldn't you like a checking or savings account that helps you earn a little more? At BECU, we offer:

  • 6.17% APY on Member Advantage savings accounts (up to $500).2 Savings account balances over $500.00 receive a rate of 0.50% APY.
  • 4.07% APY on Member Advantage checking accounts (up to $500).2 Checking account balances over $500.00 receive a rate of 0.10% APY.
  • Access to over 30,000+ surcharge free ATMs.
  • Check your FICO Score for free.

Credit Cards

Our credit cards offer great rates.4

  • No annual fees.3
  • No foreign transaction fees.3

  • Open a new BECU Cash Back Credit Card and earn a $100 cash back bonus after you spend $2,000 on purchases in the first three months of account opening.5

  • Open a new BECU Low Rate Credit Card and enjoy 0% introductory APR on purchases and balance transfers for the first 12 months.6 After that, your rate will range from 14.24% - 25.24% variable APR based upon your creditworthiness.6

More about BECU Credit Cards | Open an Account

Auto Loans

BECU offers competitive interest rates, helpful online tools and extra protections.8

  • Great rates on new and used cars.
  • BECU indirect dealer financing.
  • Auto buying services.
  • Boat, motorcycle and RV loans too!

More about BECU Auto Loans | Open an Account

Mortgage Loans

We offer competitive rates, a wide variety of mortgage products, limited grants for first-time home buyers and no origination fee.9

  • No home loan origination fee on most mortgage loans.
  • Great rates.

More about BECU Mortgage Loans

Financial Health & Education

  • Free Financial Health Check.
  • Dozens of financial guidance articles.
  • Free webinars, seminars and self-paced financial education courses.

More about Financial Education

Offers & Discounts

  • Save on tickets to Home and Auto Shows.
  • Discounts to sporting events.
  • Seasonal events like the Washington State Fair and Wild Waves.

More about Offers & Discounts

Related Links

Become a Member

1To open a checking account, you must establish membership by opening a Member Share savings account or Member Advantage savings account; not all applicants will qualify. Business and fiduciary accounts are not eligible for Member Advantage. Limit one Member Advantage checking and savings account per person. Member Advantage eligibility and benefits are subject to change. Mobile and internet carrier charges may apply for Online and Mobile Banking usage.

2Rates stated as Annual Percentage Yield (APY), effective 04/18/2023 and are subject to change. Fees may reduce earnings. See Account Disclosure for details.

3BECU's credit card rates in effect as of 07/01/2024 range from 14.24% to 27.24% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your creditworthiness.

4Approval subject to BECU membership, credit approval and other underwriting criteria; not every applicant will qualify. Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information. Your APR will vary with the market based on the Prime Rate. Please refer to the Credit and Security Agreement for the terms and conditions, fees, and charges, and other information regarding your credit card account.

5$100 CASH BACK AFTER SPENDING $2,000 IN PURCHASES WITHIN THREE (3) MONTHS from account opening: This offer is not available to either (i) current cardholders of this credit card, or (ii) previous cardholders of this credit card who received a new cardholder bonus for this credit card within the last 12 months, (iii) individuals who currently have a Low Rate or Points Rewards credit card and switch to a Cash Back Rewards credit card, or (iv) to individuals who have opened a different Cash Back Rewards account within the previous 12 months. You will receive $100 cash back credit which you must redeem. To qualify and receive your bonus, you must make purchases totaling $2,000 or more in the first three (3) months from account opening. (“Purchases” do not include balance transfers, cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, any fees of any kind, including an annual fee, if applicable.) After qualifying, please allow up to 30 days for bonus to post to your cash back balance. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

60% Introductory Annual Percentage Rate (APR) on purchases for twelve (12) months from date of account opening, and 0% introductory APR on balance transfers for twelve (12) months when completed within ninety (90) days of account opening. After that your APR will range from 14.24% to 25.24% APR, based on your creditworthiness and product selection. This APR will vary with the market based with Prime Rate.

Introductory offers not available for BECU secured or student credit cards. Introductory offer for balance transfers is from date of transfer when transfers are completed within 90 days of account opening. You may not make balance transfers payable to cash, to you, to any individual, to a deposit account, or to any BECU loan account and, if you do make any such balance transfer, BECU reserves the right to convert the transaction to a cash advance.

70.20% currency conversion fee may be included in the purchase or withdrawal's overall total when using a debit card; however, the fee will be refunded within 3 business days contingent upon the account being open at the time of refund.

8Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify.

9Mortgage loans are subject to membership, credit approval, and other underwriting criteria; not every applicant will qualify. Certain restrictions apply. Home loan programs, terms, and conditions are subject to change without notice. BECU reserves the right to terminate this offer at any time without notice.