With more choices, better rates and lower fees, BECU accounts, credit cards, and loan programs allow you to dream bigger about your financial future.
Put your savings on the fast track with BECU's risk-free CDs and IRAs. We offer flexibility and safety, with higher rates of return than most banks. Pick the terms that fit your individual needs, and enjoy risk-free savings backed by BECU.
BECU's guaranteed fixed-rate CDs offer a variety of risk-free, flexible saving options with high rates of return.
Certificates of Deposit - CDsAPY* effective 11/01/2009 |
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| Product | $500 - $49,999.99 | $50,000 - $99,999.99 | $100,000 + |
|
3 Month CD
|
0.75% | 0.85% | 0.95% |
|
6 Month CD
|
1.11% | 1.21% | 1.31% |
|
6 Month Veterans Family Fund CD
|
1.11% | 1.21% | 1.31% |
|
12 Month CD
|
1.41% | 1.51% | 1.61% |
|
12 Month Bump CD
|
1.16% | 1.26% | 1.36% |
|
18 Month CD
|
1.56% | 1.66% | 1.76% |
|
24 Month CD
|
1.61% | 1.71% | 1.82% |
|
24 Month Bump CD
|
1.36% | 1.46% | 1.56% |
|
30 Month CD
|
1.61% | 1.71% | 1.81% |
|
36 Month CD
|
1.87% | 1.97% | 2.07% |
|
48 Month CD
|
2.02% | 2.12% | 2.22% |
|
60 Month CD
|
2.32% | 2.43% | 2.53% |
CD Options
Bump CDs — Do you like to keep tabs on financial markets and follow interest rate forecasts? Then you may want to choose a 12 or 24 month "Bump" CD. These CDs have a one-time option to increase the interest rate on your investment to BECU’s published rate for the equivalent term CD.
Add-To Option — With the Add-To option, you can make additional contributions while maintaining your fixed interest rate. Choosing Add-To also allows you to open a CD with as little as $100.
Veteran’s Family Fund CD — Make your savings count for others through the Veterans Family Fund. For this 6 month CD, half of the interest that you earn will be paid to veteran families in need, and the other half is paid to you. The interest paid to the Fund may be tax-deductible. To open this CD, call us at 206-439-5700 or 800-233-2328 or visit a BECU Neighborhood Financial Center.
*APY = Annual Percentage Yield. Rates subject to change, fees may reduce earnings. To open this account, you're required to establish membership by opening a Member Share Savings Account with a required $5 minimum deposit. Early withdrawal penalties may apply.
Our flexible IRA accounts can be catered to help you save for retirement while meeting your financial needs today. Even if you already have a 401(k), an IRA is a valuable way to supplement an employer-sponsored retirement plan. BECU IRAs are held as CDs with varying terms from 12-60 months, so you can create a savings strategy that will maximize your earnings.
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Individual Retirement Accounts – IRAs APY* effective 11/01/2009 |
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| Product | $500 - $49,999.99 | $50,000 - $99,999.99 | $100,000 + |
|
12 Month CD
|
1.41% | 1.51% | 1.61% |
|
12 Month Bump CD
|
1.16% | 1.26% | 1.36% |
|
18 Month CD
|
1.56% | 1.66% | 1.76% |
|
24 Month CD
|
1.61% | 1.71% | 1.82% |
|
24 Month Bump CD
|
1.36% | 1.46% | 1.56% |
|
30 Month CD
|
1.61% | 1.71% | 1.82% |
|
36 Month CD
|
1.87% | 1.97% | 2.07% |
|
48 Month CD
|
2.02% | 2.12% | 2.22% |
|
60 Month CD
|
2.32% | 2.43% | 2.53% |
Traditional IRA — IRA contributions may be tax deductible depending on your circumstances. Many people pay fewer taxes on these earnings because they move to a lower tax bracket after retirement.
Roth IRA — This IRA has the same contribution limits as a traditional IRA, but you don’t have to be under 70-1/2 years old to contribute. These contributions are not tax-deductible during the current tax year, but the earnings on your contributions are tax-deferred and may be tax-free if you wait to withdraw funds until you’ve had your Roth IRA for at least five years and you reach the age of 59-1/2, become disabled, or qualify as a first-time homebuyer.
Coverdell Educational Savings Account (ESA) — Formerly called an Education IRA, the Coverdell ESA helps pay for a child’s education. When used to pay for qualified education expenses, the earnings on your contributions are tax-free.
*APY = Annual Percentage Yield. Rates subject to change, fees may reduce earnings. To open this account, you’re required to establish membership by opening a Member Share Savings Account with a required $5 minimum deposit. Information contained on this website does not constitute legal or tax advice. Individuals should consult with their financial advisor and/or attorney for advice.
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