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BECU Savings

Our savings accounts offer great interest rates, and no minimum balance is required.

Open an Account

Savings Rates

APY Effective 11/6/2024*

6.17
%
APY

Member Advantage Savings

On the first $500

0.40
%
APY

Member Share and Savings

See Account Disclosure for details

Open an Account

Members who open a savings account can expect the same great features we offer with our checking accounts – no monthly maintenance fees, no minimum balance requirements, and more.

Savings Account Features1

All our savings accounts are federally insured up to $250,000 and come with a free savings ATM card.

Special Offer

A man and his child sitting on a couch looking at a laptop screen.

Give The Gift Of Savings

Open an Early Saver account by Dec. 31, deposit $25, and your child could receive $25.*

Open Early Saver Account

Member Advantage Savings1

Member Share Savings2

  • Standard savings account, available with or without checking.

Early Saver5

  • Our savings account for kids and teens (under 18).
  • Earn a premium rate on the first $500.2
  • Learn more about the Early Saver application process and requirements.

How to Open an Account

Qualification for Member Advantage Savings

To get the higher rates on CDs, IRAs, and Money Market accounts, plus a premium rate on the first $500 in your savings account, enroll in free Member Advantage. After opening your Member Share Savings account, qualify for Member Advantage with these three steps:

  1. Have both a BECU checking and savings account.
  2. Sign up to receive monthly eStatements; and
  3. Make at least one free electronic transaction per month.6

Why BECU

When it comes to finances, we're all in it together. BECU is member-owned credit union, not a bank, and we're here to make our members' lives easier by saving them money. That's why we offer our members free or low-cost services and competitive rates on loans and credit cards.

By establishing membership with us, you'll get these membership benefits and more.

Related Content

*For new BECU members age 17 and under only. Must be within BECU's field of membership and be eligible to open an Early Saver account and maintain membership; not everyone will qualify. New members who are rejoining but have had a membership relationship with BECU in the last six (6) months do not qualify. Only Early Saver accounts are eligible to receive the $25 deposit bonus. Must establish and maintain membership by opening an Early Saver account using promo code MP44 by December 31, 2024, when depositing at least $25 within 30 days of account opening. Account must remain open for at least 30 days following the deposit made to qualify for the $25 bonus. BECU is not required to pay the promotional incentive for accounts opened without the appropriate promo code, If the account is not open for at least 30 days, and a minimum $25 deposit made to the account. BECU will not deposit bonus funds to closed accounts. Other terms, limitations, and conditions apply. Cannot be combined with any other offers. Limit one offer per member. Check with BECU for current Annual Percentage Yield (APY) of accounts. The $25 bonus deposit to your Early Saver account will occur within 60 days of establishing the qualifying account if the $25 minimum deposit requirement was met within the first 30 days of account opening. Account must be open and in good standing at time of fulfillment to qualify. $25 bonus will be reported to the IRS on form 1099INT. BECU reserves the right to terminate this offer at any time.

1 You must establish membership by opening a Member Share Savings Account or Member Advantage Savings Account. 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.

2 Rates stated as Annual Percentage Yield, and are subject to change after account opening. Fees may reduce earnings. A Member Advantage Savings Account is required to establish membership. See Account Disclosure for details.

3 Based on account ownership status and account type.

4 Refund of out-of-network ATM fees charged by the other financial institution on ATM withdrawals from a Member Advantage Savings, Member Advantage Checking or Member Advantage Money Market account. Refund will be made in to the Member Advantage account of withdrawal. Account must be open and still considered Member Advantage at time of refund. Refunds processed daily and may take up to three days due to cut-off and posting times. If you share your Member Advantage account with another person, your maximum fee reimbursement will still be $3.

5 Limit one Early Saver Account per person, may not be older than 18 years old, Online Banking and eStatements are not available to anyone under 13 years old, eligibility and benefits subject to change. A parent or guardian is required. A Member Share savings, Member Advantage savings or Early Savers account is required to establish membership.

6 Qualifying transactions include: Debit Mastercard: Make purchases online, over the phone and in person, Online or Telephone Banking: make BECU loan or Visa payments, or transfer funds between BECU accounts, Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account.

7 0.20% 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.

8 Certain restrictions, conditions and limitations apply. More detailed information on these benefits can be found in the MasterCard Guide to Benefits.