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Certificates of Deposit

Our CD rates get even better with Member Advantage.

Certificate of Deposit Rates 

APY Effective 6/1/2024*

4.75
%
APY

12 - 17 Month CD with Member Advantage

$500+

4.25
%
APY

12 - 17 Month CD

$500+

3.25
%
APY

6 - 11 Month CD with Member Advantage

$500+

2.75
%
APY

6 - 11 Month CD

$500+

See Account Disclosure for details.

BECU's fixed-rate CDs offer a variety of flexible saving options — plus good CD rates that get even better with Member Advantage.

Choose Your Maturity Date or Term

  • Maturity date: Choose the date your CD will mature. Your deposit will be available on the date you want it.
  • Term: Terms range from 3 months to 60 months. The CD matures at the end of the term you selected.

Low Opening Requirements of $500

Bump Certificate of Deposit

Do you like keeping tabs on financial markets and following interest rate forecasts? A 12- or 24-month Bump CD might be a good choice. These have a one-time option to increase the interest rate on your investment to the current BECU published rate for the equivalent term CD.

Add-To Option

This option lets you make additional contributions while maintaining your fixed interest rate. Also, as long as you choose the Add-To Option, you can open a CD with as little as $100.

Earn More With Member Advantage

With Member Advantage, you can earn even more on your CD, IRA and Money Market accounts—plus a premium rate on the first $500 in both your checking and savings accounts. Learn more.

$500 - $49,999.99 $50,000 - $99,999.99 $100,000 +
12-17 Month CD with Member Advantage
4.75%
4.75%
4.75%
12-17 Month CD
4.25%
4.25%
4.25%
6-11 Month CD with Member Advantage
3.25%
3.25%
3.25%
6-11 Month CD
2.75%
2.75%
2.75%

APY rates effective 05/01/2024*

See Account Disclosure for details.

  1. Log into your Online Banking account.
  2. In the top navigation bar, select Transfers, and then select Withdraw CD Funds.
  3. From the Select CD drop-down menu, select the CD you wish to withdraw from and close.
  4. From the Choose Withdrawal type and amount to transfer drop-down menu, select Full Withdrawal. The full withdrawal amount will automatically populate the Amount box.
  5. From the Select where to transfer funds drop-down menu, select the account you wish to deposit the CD funds into. Click Continue.
  6. You will be asked to agree to an early withdrawal penalty. No early withdrawal penalty is assessed within the 7-day grace period of the CD's maturity. Please contact a Member Consultant to learn the exact amount of the early withdrawal penalty.
  7. After you agree to any applicable early withdrawal penalty and select Continue, the CD is closed and its funds will be deposited in the account you selected.

Please note: For a partial withdrawal, the CD must have $500 left in the account after the withdrawal.

CD Laddering-What Is It and How Does It Help?

CD Laddering is a way to boost your savings and still have frequent access to your cash. Learn More

*Rates stated as Annual Percentage Yield (APY), effective 05/01/2024, and are subject to change. Minimum deposit $500. The APY is based on an assumption that interest will remain in the account until maturity. An early withdrawal penalty may apply. Fees will reduce earnings. To open this account, you must maintain membership by keeping open your Member Share Savings account. Restrictions apply.

To open this account, you must establish and maintain membership by opening a Member Advantage Savings account or Member Share Savings account. Not everyone will qualify.

Information contained on this website does not constitute legal or tax advice. Individuals should consult with their financial adviser and/or attorney for advice.