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Certificates of Deposit

Our CD rates get even better with Member Advantage.

Open an Account

Certificate of Deposit Rates 

APY Effective 5/2/2023*


6 - 11 Month CD with Member Advantage


12 - 17 Month CD with Member Advantage

$500 - $49,999.99


12 - 17 Month CD

$500 - $49,999.99


36 - 47 Month CD with Member Advantage

$500 - $49,999.99

See Account Disclosure for details

BECU's fixed-rate CDs offer a variety of flexible saving options — plus good CD rates that get even better with Member Advantage.

Choose Your Maturity Date or Term

  • Maturity date: Choose the date your CD will mature. Your deposit will be available on the date you want it.
  • Term: Terms range from 3 months to 60 months. The CD matures at the end of the term you selected.

Low Opening Requirements of $500

Bump Certificate of Deposit

Do you like keeping tabs on financial markets and following interest rate forecasts? A 12- or 24-month Bump CD might be a good choice. These have a one-time option to increase the interest rate on your investment to the current BECU published rate for the equivalent term CD.

Add-To Option

This option lets you make additional contributions while maintaining your fixed interest rate. Also, as long as you choose the Add-To Option, you can open a CD with as little as $100.

Earn More With Member Advantage

With Member Advantage, you can earn even more on your CD, IRA and Money Market accounts—plus a premium rate on the first $500 in both your checking and savings accounts. Learn More

APY rates below effective 5/2/2023*
$500 - $49,999.99 $50,000 - $99,999.99 $100,000 +
12 - 17 Month CD with Member Advantage 3.56% 3.61% 3.61%
12 - 17 Month CD 3.04% 3.09% 3.09%
36 - 47 Month CD with Member Advantage 2.32% 2.38% 2.38%
36 - 47 Month CD 1.81% 1.87% 1.87%

See Account Disclosure for details

CD Laddering-What Is It and How Does It Help?

CD Laddering is a way to boost your savings and still have frequent access to your cash. Learn More

*APY = Annual Percentage Yield; rates subject to change, fees may reduce earnings. The APY is based on an assumption that interest will remain in the account until maturity. Early withdrawal penalties may apply.

To open this account, you must establish and maintain membership by opening a Member Advantage Savings Account or Member Share Savings Account. Not everyone will qualify.

Information contained on this website does not constitute legal or tax advice. Individuals should consult with their financial adviser and/or attorney for advice.