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.

*See important information about rates, fees, other costs and Home Loans (pdf)

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Your Online Home Loan Resource

Interested in learning more about BECU home loan options? Visit our home loan center at www.becuhomeloans.org:

• Choose the best home loan for you
• Apply for your loan online
• Learn about purchasing or refinancing your home
• Privacy statement, calculators, insurance, and more

BECU Homes for Sale

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.

• Low rate, no origination or discount fees
• Owner occupied up to 95% LTV
• Non-owner occupied up to 80% LTV
• Financing available for qualified members

View the homes for sale.
Apply for a BECU home for sale.

BECU Real Estate Services*

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.

Learn more about BECU Real Estate Services.

BECU provides a suite of home equity and home improvement loans to meet your needs:

Home Equity Line of Credit

A Home Equity Line of Credit is a revolving variable-rate line of credit that you can withdraw funds whenever you need without reapplying and you can lock in rates with the fixed rate advance option. Learn More.

Home Equity Loan

A Home Equity Loan is a fixed rate loan where funds are available in a one lump sum, a good choice for those one-time expenses that don’t require additional funds later. Learn More.

Home Improvement Loan

A Home Improvement Loan is a fixed rate loan where funds are available in one lump sum to finance home repairs such as, new windows, new roof, remodeling and more. – Without borrowing against the equity in your home. Learn More.

Enjoy Greater Benefits with Member Advantage

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

*See important information about rates, fees and other costs (pdf)

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*See important information about rates, fees and other costs (pdf)

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Find out if consolidating your debts could save you money

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Loan Payment Protection - BECU offers this optional program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

Add Loan Payment Protection to your loan at the time of financing or call us at 800-233-2328 to add it to your existing loan. For home equity loans, read the Home Equity Loan Payment Protection Contract (pdf) and for Home Improvement loans, read the Consumer Loan Payment Protection Contract (pdf).

BECU has new and used auto loans with flexible terms to help fit your needs.

*See important information about rates, fees and other costs (pdf)

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Compare terms and payments on auto, boat or RV loans

See what you can afford and get a list of available cars How much will my vehicle payments be?

BECU Loan Features & Benefits

• Models three years old or newer qualify for new auto loan rates
• BECU rates apply when you refinance your current auto loan from another financial institution
• Large network of Credit Union Direct Lending (CUDL) dealers to get on-the-spot financing*

Simplify Your Car Search with AutoSMART

Provided by CUDL, use AutoSMART to view new and used cars, locate CUDL dealers, research trade-in values, get a vehicle history check and more. When you find the car you want, you can apply for on-the-spot financing at the dealership**. Learn about Financing at the Dealership.

GAP (Guaranteed Asset Protection) - If your car is stolen or totaled, auto insurance doesn’t always cover all the costs. GAP may cover the difference between your insurance settlement and the loan balance.

• Includes both new and used vehicles
• Waives losses up to a maximum of $50,000
• Covers insurance deductible up to $1,000
• If your GAP is used, receive $1,000 credit toward purchase of your next vehicle financed through BECU

Add GAP to your auto loan at the time of financing or call us at 800-233-2328 to add it to your existing auto loan.

Loan Payment Protection - BECU offers this program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

Add Loan Payment Protection to your auto loan at the time of financing or call us 800-233-2328 to add it to your existing auto loan. Read the Loan Payment Protection Contract (pdf ).

Thinking about purchasing a new vehicle? BECU offers loans for boats, RVs, motorcycles and sports vehicles such as ATVs, snowmobiles and personal watercraft at competitive rates. And if you have Member Advantage, you’ll enjoy the benefit of even lower rates on select loans.

Enjoy Greater Benefits with Member Advantage

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

*See important information about rates, fees and other costs (pdf)

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Try our Loan calculators

Try our Debt and Credit calculators

BECU Loan Features & Benefits

• No loan application fees
• Flexible repayment terms
• Free online account access

Loan Payment Protection - BECU offers this optional program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

Add Loan Payment Protection to your loan at the time of financing or call us at 800-233-2328 to add it to your existing loan. Read the Loan Payment Protection Contract (pdf).

Personal loans can be used for a variety of purposes, from small expenses to larger ones like debt consolidation. Personal loans are unsecured and require no collateral, and they are disbursed in a one lump sum.

Enjoy Greater Benefits with Member Advantage

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

*See important information about rates, fees and other costs (pdf)

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Try our Debt and Credit calculators

Try our Loan calculators

Features & Benefits

• No loan application fees
• Borrow up to $15,000
• Consolidate your debts
• Flexible repayment terms
• Online account access

Optional Feature

Loan Payment Protection - BECU offers this optional program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

Add Loan Payment Protection to your loan at the time of financing or call us at 800-233-2328 to add it to your existing loan. Read the Loan Payment Protection Contract (pdf).

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.

*See important information about rates, fees and other costs (pdf)

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Try our Loan calculators

Try our Debt Consolidation tool

Features & Benefits

• Low, competitive rates
• Overdraft protection on your checking account
• Emergency cash when you need it, or consolidate your debts
• Funds become available again as you pay down the balance
• No annual fees or transfer fees
• Online account access

Optional Feature

Loan Payment Protection - BECU offers this program to help safeguard your family from financial stress if you’re injured or lose your job.

• Package options include: life, disability and involuntary unemployment
• The cost is based on the package options you choose and your monthly outstanding loan balance

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).

College Funding and Planning Help

BECU offers a free web-based college planning service for members. This service is offered through our collaboration with Collegiate Funding Solutions. It can help you make smart, informed college planning and financial decisions—helping you to save money on your out-of-pocket college costs.

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Private Student Loans

BECU is not currently accepting new applications for Private Student Loans. For information on Private Student Loans and to find another credit union that offers these loans, visit Student Choice.

Currently have a Private Student Loan through BECU?

If you are a returning borrower and want to request a disbursement from your existing line of credit, visit Student Choice.