Apply for a BECU Credit Union Account Online

Open a BECU credit union account in just a few minutes. It’s easy to join!¹

Apply Online

Already a BECU Member? Apply for additional products in Online Banking.

What type of account do you wish to open?

Must contain at least one letter
Numeric code unique to the member who referred you

Apply For BECU Membership

Setting up credit union membership is an easy two-step process.1

Step 1: Gather Identification Documents

  • Social Security number or Individual Taxpayer Identification Number.
  • Valid U.S. government-issued ID such as a driver's license or state-issued ID.
  • Contact information, such as a street address and phone number. You may be asked to validate your address with documents such as a utility bill.

Step 2: Apply Today

Join BECU Online2
Apply online using the form above.

Be aware: If someone has asked you to open an account for them, it might be a scam. Learn about social engineering scams.

Make an Appointment
Schedule an appointment in-person with a BECU representative or online with our Video Banking team.

Questions? Give us a call at 800-233-2328.

BECU Membership Eligibility

If you live, work, or go to school in Washington state, you're eligible for BECU membership.

Individuals in select counties of Oregon, Idaho, South Carolina or with affiliation to BECU partners like Boeing, may also be eligible. For more information on specific eligible states, counties, affiliations, and partnerships, visit the membership eligibility page.

Frequently Asked Questions

Applying and becoming a credit union member online only takes around 10 - 15 minutes.

Yes. Our checking and savings accounts require no minimum balance, and we have no monthly maintenance fees.

Yes. You can become a member and open a BECU Checking Account with no deposit,2 and there are no minimum balance requirements or monthly maintenance fees.

To enjoy BECU's full range of benefits, we encourage you to open a free Member Advantage Checking account. To open this credit union account, you'll need to make at least one free electronic transaction per month. This transaction can be as simple as depositing your paycheck via auto deposit or using your debit card.

Visit our switch to BECU page for more information and a step-by-step guide for making the transition from your current bank or financial institution to BECU.

BECU offers most loans you would expect from banks, including home improvement, vehicle, student, and personal loans, along with mortgages and lines of credit. Click on our Loans & Mortgages tab for more information.

BECU has over 60 convenient locations around Washington state and South Carolina. Search and filter for BECU and CO-OP Network ATMs and partner credit unions from our interactive locations map.

BECU Membership Unlocks These Great Products

Check / Sign Checks
Free Checking & Savings

Enjoy checking and savings accounts with no minimum balance or monthly maintenance fees, plus 30,000+ surcharge-free CO-OP Network ATMs nationwide.

Automobile / Auto Loan
Auto Loans

Our members enjoy great interest rates,3 onsite financing with participating dealerships,4 and enrollment in our BECU Reprice Program.5

Home / Home Loan
Home Loans

Get your dream home with a great interest loan with no origination fee6 and up to $8,000 assistance for first-time homebuyers.7

credit card or debit card
Cash Back Credit Card⁸
Earn 1.5% cash back on all purchases with no annual or cash advance fees.9 New cardholders could get a $100 bonus if you spend $2,000 in purchases within the first three months.10
Available on mobile and desktop
Online and Mobile Banking

Do all your banking from your desktop or phone: Pay bills, deposit checks, set up transfers, and meet with a BECU consultant.

Personal Line of Credit¹¹

Tap into emergency cash for those unexpected expenses with non-sufficient funds/overdraft protection12 and no annual or transfer fees.13

Looking to Open a Business Credit Union Account Instead?

Visit the Business Membership page to learn more about how BECU can help you start and grow your business.

Member Share, Member Advantage, or Early Saver savings account required to establish membership; not everyone will qualify. Must be 18 or older to open membership online.

You may be required to deposit a minimum of $10 to your new checking when opening account(s) online.

Auto Loans

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

4 Services provided by Credit Union Direct Lending (CUDL) and is not affiliated with BECU. BECU specifically disclaims all warranties with regard to dealers' products and services. Dealer fees apply. Loan program offered including rates, terms, and conditions are subject to change without notice.

5 BECU periodically evaluates the credit rating of each member who has a credit card, personal line of credit, auto, boat, RV, or personal loan with BECU. If your score has improved sufficiently and your account is in good standing, we will look at reducing your rate (if you're not already receiving our lowest published rate.)

Home Loans

6 Mortgage 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.

7 Buyers must meet all the first-time homebuyer grant program criteria, including loan and property qualifications, all of which are not listed here. BECU reserves the right to alter or change criteria.

All federal, state, and local taxes imposed on the acceptance of a grant are solely the responsibility of the applicant. BECU will issue an IRS Form 1099-MISC or W-2 to an applicant where a Form 1099-MISC or W-2 is required by applicable law. Applicants should consult their own accountant(s) or tax advisor(s) to determine tax implications, if any.

Cash Back Credit Card

Approval 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.

9 BECU's credit card rates in effect as of 7/1/2024 range from 18.24% 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.

10 $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.

Personal Line of Credit

11 Approval subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify. BECU checking account and automatic payment method required. Interest charges accrue from the date any credit advance is posted to your account.

12 After the personal line of credit is established, overdraft funds transfers will be made in $100 increments (or the unused portion of the available credit limit if less than $100) to the checking or money market account attached. Overdraft for savings accounts not available. Interest charges accrue from the date of a credit advance or transfer.

13 Personal lines of credit rates in effect as of 11/01/2023 range from 11.90% to 19.40% 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.