We Are a Financial Cooperative That Exists to Actively Serve Our Membership
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
Everyone dislikes fees, and at BECU, we do too. A few of our popular deposit related non-fees include:
- No minimum balance fee
- No monthly maintenance fee
- No foreign transaction fee6
- 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:
- 3.04% APY on Member Advantage Savings Accounts (up to $500)2
- 3.04% APY on Member Advantage Checking Accounts (up to $500)2
- Access to over 30,000+ surcharge free ATMs
- Free FICO Score
Our credit cards offer some of the lowest rates in the country.
- No annual fees3
- No foreign transaction fees3
Open a new Cash Back Visa® credit card and earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening.4
Open a new BECU Visa® credit card and enjoy 0% introductory APR on purchases and balance transfers for the first 12 months.5 After that, you'll still get one of the nation's lowest variable interest rates, currently ranging from 12.49% - 24.49% based upon your creditworthiness.
More about BECU Credit Cards | Open an Account
BECU offers competitive interest rates, helpful online tools and extra protections.
- Low 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
We offer competitive rates, a wide variety of mortgage products, limited grants for first-time home buyers and no origination fee.
- No Home Loan Origination Fee on conventional mortgage loans
- Low 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
1 To open a Checking Account, 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. Mobile and internet carrier charges may apply for Online and Mobile Banking usage.
2 Rates stated as Annual Percentage Yield (APY), effective 10/27/2022 and are subject to change. Fees may reduce earnings. Checking account balances over $500.01 and above receive a rate of .10% APY. Savings Account balances over $500.01 and above receive a rate of .50% APY. See Account Disclosure for details.
3 Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information.
4 $300 CASH BACK AFTER SPENDING $3,000 IN PURCHASES IN 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. The additional $300 cash reward is not available to individuals who currently have a Traditional BECU Visa and switch to a Cash Back Rewards Visa or to individuals who have opened a different Cash Back Rewards Account within the previous 12 months. You will receive $300 cash back credit which you must redeem. To qualify and receive your bonus, you must make purchases totaling $3,000 or more in the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, race track 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.
5 0% Introductory Annual Percentage Rate (APR) for twelve (12) months from date of account opening. After that your APR will be from 12.49% - 24.49%, based on your credit worthiness and card selection. This APR will vary with the market based on the Prime Rate.
60.20% 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.
We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate).