Certificates of Deposit

Our CD rates get even better with Member Advantage.

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Certificate of Deposit Rates 

APY Effective 3/13/2020*


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


36 - 47 Month CD

$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.

You choose your maturity date or term

  • Maturity date: Choose the date your CD will mature. Your investment 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.

Veterans Family Fund Certificate of Deposit

You can make your savings count for others through the Veterans Family Fund with this 6-month CD. Half the interest you earn will be paid to veteran families in need, and the other half will go to you. The interest paid to the Fund may be tax-deductible, consult with a tax advisor.

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 3/13/2020*
$500 - $49,999.99 $50,000 - $99,999.99 $100,000 +
12 - 17 Month CD with Member Advantage 0.70% 0.75% 0.75%
12 - 17 Month CD 0.45% 0.50% 0.50%
36 - 47 Month CD with Member Advantage 0.65% 0.70% 0.70%
36 - 47 Month CD 0.40% 0.45% 0.45%

See Account Disclosure for details

*APY = Annual Percentage Yield; rates subject to change, fees may reduce earnings. To open this account, you must establish and maintain membership by opening a Member Advantage Savings Account or Member Share Savings Account. Early withdrawal penalties may apply.  Information contained on this website does not constitute legal or tax advice. Individuals should consult with their financial adviser and/or attorney for advice.