With more choices, better rates and lower fees, BECU accounts, credit cards, and loan programs allow you to dream bigger about your financial future.
BECU has a range of loan options and lines of credit that can meet your needs and budget. Take a look at the choices here and call us to learn more, or you can apply for a loan online today.
Whether you’re a first-time homebuyer or looking to save money by refinancing, BECU can help ease the home loan process. With our great rates and online tools, it’s easier to find a loan that fits your needs. If you’d like help narrowing down the choices, e-mail us or visit us at a BECU Neighborhood Financial Center. We look forward to hearing from you.
| Home Loans APR* effective 03/11/2010 |
|
| 30 Year Fixed | 5.190% |
| 15 Year Fixed | 4.620% |
| 30 Year Jumbo | 5.943% |
*Important information about rates and Home Loans (pdf)
Interested in learning more about BECU home loan options? Visit our home loan center at www.becuhomeloans.org:
If you are age 62 or older, you may qualify for a government insured reverse mortgage loan where you could turn the value of your home into a source of income*. BECU has partnered with Golden Gateway Financial** to help members compare and choose the right reverse mortgage. To learn more, visit Golden Gateway online or call them at 1-888-8CU-REVERSE.
If you are searching to find the right home at the right price, take a look at the BECU homes for sale. We have homes for sale that are affordably priced.
View the homes for sale.
Apply for a BECU home for sale.
When it comes to buying a home, all of us could benefit from a knowledgeable partner who is looking out for our best interests. That's why BECU Real Estate Services created its Member Advocate program. After you register you’ll be teamed up with a personal advocate who will monitor the entire purchase process, from finding the right real estate agent to all the closing details. The service includes discounted closing costs and a 20% rebate on certified BECU real estate agent commission when using Real Estate Services.
*Subject to specific lender terms and conditions as well as appraised value of your home and any outstanding mortgage balance(s).
**Golden Gateway Financial provides a unique set of online tools and clear and unbiased communication to help seniors find the answers and resources relating to reverse mortgages. Golden Gateway Financial is an independent Reverse Mortgage Services provider and is not affiliated with BECU.
***BECU Real Estate Services is a program provided by Prime Alliance Real Estate Services, LLC.
Equity Advantage is two accounts in one, offering both the convenience of a variable rate home equity line of credit and the stability of a fixed-rate home equity loan. You can use as much of your available credit as you like at the variable rate, and you can lock-in all or part of the available credit as fixed rate advances. There are no prepayment penalties or annual fees, and the interest you paid may be fully tax-deductible.**
| Owner-Occupied, Up To 80% Loan to Value APR* effective 03/12/2010 |
|
| Variable Rate Line of Credit | 3.99% - 4.74% |
| Fixed Rate Advance | 5.74% - 7.74% |
| Owner-Occupied, Up To 90% Loan to Value APR* effective 03/12/2010 |
|
| Variable Rate Line of Credit | 4.99% |
| Fixed Rate Advance | 7.74% - 9.49% |
| Non-Owner Occupied, Up To 70% Loan to Value APR* effective 03/12/2010 |
|
| Variable Rate Line of Credit | 4.99% - 5.74% |
| Fixed Rate Advance | 8.24% - 10.24% |
Loan Payment Protection - BECU offers this program to help safeguard your family from financial stress if you’re injured or lose your job.
To add Loan Payment Protection to your Home Equity loan, call us at 206-439-5700 or 800-233-2328. Read the Loan Payment Protection Contract (pdf).
**Consult tax advisor regarding tax deductibility.
Selecting the right auto loan is as important as finding just what you want in a car or truck. Look at BECU’s loan choices and choose the terms that fit your needs. You can apply for your loan online today, or call us if you’d like to talk to a loan specialist. We look forward to working with you.
Have you considered refinancing your auto loan as a way to cut down on monthly expenses? The same rates apply when you refinance your current auto loan from another financial institution with BECU.
| Auto Loans APR* effective 03/12/2010 |
|
| New Auto Loan (2007 models and newer) |
3.49% - 18.00% |
| Used Auto Loan (2006 models and older) |
3.99% - 18.00% |
GAP (Guaranteed Asset Protection) - If your car is stolen or totaled, auto insurance doesn’t always cover all the costs. GAP covers the difference between your insurance settlement and the loan balance.
Loan Payment Protection - BECU offers this program to help safeguard your family from financial stress if you’re injured or lose your job.
To add Loan Payment Protection to your Auto Loan, call us at 206-439-5700 or 800-233-2328. Read the Loan Payment Protection Contract (pdf).
Use AutoSMART to research and find the right car, and apply for on-the-spot BECU financing. Provided by Credit Union Direct Lending, AutoSMART is a BECU membership benefit. Learn about financing at the dealership.
Similar to a credit card, your funds become available again up to your limit as you pay down the balance with no annual fees or transfer fees. A Line of Credit provides overdraft protection on your checking account when you need it, and also can be used to consolidate your debts to avoid paying higher interest rates elsewhere.
| Personal Line of Credit APR* effective 03/12/2010 |
|
| Line of Credit | 8.90% - 18.00% |
Loan Payment Protection - BECU offers this program to help safeguard your family from financial stress if you’re injured or lose your job.
To add Loan Payment Protection to your Line of Credit, call us at 206-439-5700 or 800-233-2328. Read the Loan Payment Protection Contract (pdf).
Thinking about purchasing a motorcycle, boat, RV, ATV, or other sport vehicle? BECU has better rates and loan solutions that could work for you.
| Boats APR* effective 03/12/2010 |
|
| Fixed Rate | 6.74% - 18.00% |
| Recreational Vehicles APR* effective 03/12/2010 |
|
| Fixed Rate | 7.24% - 18.00% |
| Sport Vehicles APR* effective 03/12/2010 |
|
| Fixed Rate | 10.25% |
Loan Payment Protection - BECU offers this program to help safeguard your family from financial stress if you’re injured or lose your job.
To add Loan Payment Protection to your Recreational or Sport Vehicle loan, call us at 206-439-5700 or 800-233-2328. Read the Loan Payment Protection Contract (pdf).
Sport Vehicle Loan application not available online. To apply, call us at 206-439-5700 or 800-233-2328 or visit a BECU Neighborhood Financial Center.
Private Student Loans help students pay for college when federal loans, scholarships and other financial aid are not enough to cover the full cost of education. Students can use a Private Student Loan to finance tuition and other costs associated with attending college, such as books and room and board. A BECU Private Student Loan offers you cost-savings by offering lower interest rates and no origination fees. BECU Private Student Loans are processed by our partner, Credit Union Student Choice.
| Private Student Loan APR* effective 03/12/2010 |
|
| Private Student Loans | 5.49% - 7.24% |
Learn more about Private Student Loans by reading our Help topic or visit the Student Choice: Student Lending Center or call our student loan specialists 24/7 at 866-253-5967.
BECU membership is required for both the student borrower and co-borrower before the student loan is funded. Learn about becoming a BECU member.
or call our student loan specialist 24/7 at 866-253-5967 for more information
View our Homes For Sale listings for available homes with low rates.
View our Vehicles for Sale listings for available cars and trucks at discounted prices.
Visit our Auto Buying Service to find the perfect new or used car with great financing from BECU
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It’s easy to join online in a few steps and apply for your new loan at the same time.
Join BECUIt’s easy to join online in a few steps and apply for your new loan at the same time.
Join BECUIt’s easy to join online in a few steps and apply for your new loan at the same time.
Join BECUWant to know when a rate goes up or down? When you subscribe to BECU’s rate feed, you can get updates when and how you choose via RSS.
RSS, or Really Simple Syndication, is a format for receiving news, rates and other web content. When you subscribe to a BECU rate feed, the information is published and presented to you in your reader of choice. This way you may be notified of changes to BECU rates automatically.
When you click on the subscribe link, most web browsers will give you the option to add it to a web-based reader (also known as an aggregator), or allow you to choose a reader application you have on your hard drive. You can also add the feed to a reader manually by adding the URL from within your reader.
Common web-based readers are Google Reader, Bloglines, and MyYahoo. You can sign up for a reader account at any of these sites. If you prefer to use a reader application on your computer, some common readers are Feed Demon, Sharp Reader, and NewsGator (an Outlook plugin) for Windows; NetNewsWire and Shrook for Macs.
