BECU's guaranteed fixed-rate CDs offer a variety of risk-free, flexible saving options with high rates of return—which can be even higher with Member Advantage.

Enjoy Greater Benefits with Member Advantage

With Member Advantage at BECU, you may enjoy additional benefits, such as better earnings on CD, IRA and Money Market accounts, along with lower rates on most BECU loans. Member Advantage also rewards you with a premium rate on the first $500 in both your checking and savings accounts. Learn More.

Certificates of Deposit - CDs APY* effective 05/01/2013
	$500 - $49,999.99	$50,000 - $99,999.99	$100,000 +
12 - 17 Month CD w/ Member Advantage   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	0.45%	0.50%	0.50%
12 - 17 Month CD   If the opening balance is less than $500, the Add-To option is mandatory. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	0.20%	0.25%	0.25%
24 - 35 Month CD w/ Member Advantage   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	0.60%	0.65%	0.65%
24 - 35 Month CD   If the opening balance is less than $500, the Add-To option is mandatory. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	0.35%	0.40%	0.40%

CD Options

Choose a Maturity Date or Term — BECU CDs offer the flexibility to choose a CD by a specific maturity date or by choosing the specific term length.

• Maturity date: Choose the date your CD will mature without being restricted by specific CD term lengths. The benefit is your investment will be available on the date you want it.
• Term: Choose from 3 months to 60 months term lengths. The CD will mature at the end of the term you selected.

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.

BECU’s flexible IRA accounts 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. Our IRAs are held as CDs with varying terms from 12 to 60 months, so you can create a savings strategy that will maximize your earnings.

Enjoy Greater Benefits with Member Advantage

With Member Advantage at BECU, you may enjoy additional benefits, such as better earnings on CD, IRA and Money Market accounts, along with lower rates on most BECU loans. Member Advantage also rewards you with a premium rate on the first $500 in both your checking and savings accounts. Learn More.

Individual Retirement Accounts – IRAs APY* effective 05/01/2013
	$500 - $49,999.99	$50,000 - $99,999.99	$100,000 +
12 Month CD w/ Member Advantage   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	0.45%	0.50%	0.50%
12 Month CD   Interest compounds and is credited monthly. CD will automatically renew at maturity unless you select the Non-Renewable option. A penalty may be imposed for early withdrawal.	0.20%	0.25%	0.25%
24 Month CD w/ Member Advantage   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	0.60%	0.65%	0.65%
24 Month CD   Interest compounds and is credited monthly. CD will automatically renew at maturity unless you select the Non-Renewable option. A penalty may be imposed for early withdrawal.	0.35%	0.40%	0.40%

Which IRA is right for you?

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.

Online IRA Resources

Visit Retirement Central

• Learn more about IRAs and use online planning tools
• Get the forms you need to open an IRA
• Open a new IRA online
• Manage your existing IRA online