Reach Your Financial Goals Faster with an Add-to CD

By opening a BECU Certificate of Deposit (CD) with our add-to option, you can hit your financial goals faster, whether it’s saving for a dream vacation, buying a new car, or building a rainy day fund.

Growing your savings from scratch takes time, effort, and determination. Most experts agree that the easiest way to save money is when it's done automatically. Not having to think about putting money into savings is the key to staying consistent, and ultimately being successful. 

Add-to CDs allow you to make additional deposits to your CD after the CD has been opened. Deposits are made on a recurring basis via automatic transfers, and earn the same original interest rate. Plus, you can choose from several recurring contribution options, including monthly and bi-monthly. When it comes to saving the most money possible, we definitely recommend this "set it and forget it" approach.

Other advantages of an add-to CD include:

  • Earning a higher rate of return than a standard savings account
  • Being able to choose the maturity date and term
  • Opening a CD with as little as $100
  • Locking in your funds to prevent the temptation of early spending

Set up an add-to CD and see for yourself how much you'll save. In addition, if you have Member Advantage, you can earn an even higher rate.

Get started by opening a CD through Online Banking, by calling us at 800-233-2328, or by visiting your nearest Neighborhood Financial Center.

See Account Disclosure for further details. Early withdrawal penalties may apply. Fees may reduce earnings.

Note: Regulation D limits the number of transfers or withdrawals from any savings account to six per calendar month. With that in mind, we recommend you use your BECU checking account.


To open a CD, you must establish and maintain membership by opening a Member Advantage Savings Account or Member Share Savings Account. Early withdrawal penalties may apply. Fees may reduce earnings.