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checking & savings

checking and savings rates

APY Effective 5/1/2015*

4.07
%
APY

Member Advantage Checking

Up to $500

4.07
%
APY

Member Advantage Savings

Up to $500

See Account Disclosure for details

Earn interest now while you manage and save for the future

Great rates + no hidden fees = a better way to bank

We got your happy banking right here

 We're not like banks; we're a community-based credit union. We give our members a better way to bank. Our personal checking and savings accounts offer benefits most traditional banks just can't, like higher interest rates, and free online banking with no minimum balance required.  

Member Advantage Checking Checking
Higher rate on first $500

Yes

N/A

Better rates on other
products 1

Yes

N/A

Monthly fee to maintain account

$0

$0

Minimum Balance 2

$0

$0

Free Online Banking

Free

Free

Free Bill Payment

Free

Free

Free eStatements

Free

Free

Federally Insured up to $250,000 3

Yes

Yes

Gold Debit Card with Fraud Monitoring Protection

Yes

Yes

1Higher rates may be earned on deposit products.

2To open a Member Advantage or Checking Account, you must establish membership by opening a Member Advantage Savings Account or Member Share Savings Account with a required $5 minimum deposit.

3Based on account ownership status and account type.

Member Advantage Savings 4 Savings Early Saver 5
Higher rate on first $500

Yes

N/A

Yes

Better rates on other products

Yes

N/A

N/A

Monthly fee to maintain account

$0

$0

$0

Minimum Balance 6

$5

$0

$5

Free Online Banking

Free

Free

Free

Free Bill Payment

Free

Free

Free

Free eStatements

Free

Free

Free

Federally Insured up to $250,000 7

Yes

Yes

Yes

Gold Debit Card with Fraud Monitoring Protection 8

Yes

Yes

N/A

4Limit one Member Advantage Checking and Savings Account per person, eligibility and benefits subject to change.

5Limit one Early Saver Account per person, may not be older than 18 years old, Online Banking and eStatements are not available to anyone under 13 years old, eligibility and benefits subject to change.

6To open a Checking Account, you must establish membership by opening a Member Share Savings, Member Advantage Savings, or an Early Saver Account with a $5 minimum deposit.

7Based on account ownership status and account type.

8Required a Checking Account.

When we say 'free' it is. 

BECU checking accounts are free of monthly maintenance fees, with no minimum-balance requirements9. You can also manage your accounts from just about anywhere, with:

With your checking account, you'll also get a free Gold Debit MasterCard® with MasterCard Zero Liability Protection.

Learn about all of the ways you can bank anywhere with BECU.

Money Manager

A New Way to Manage Your Finances

Set timely alerts, create budgets, track spending and meet your financial goals.

Try It Out

Gold Debit Card benefits

  • Extended time and coverage on your original manufacturer or U.S. store brand warranty on purchases

  • 60-day price protection on purchases

  • Access to several identity theft resolution services

  • A refund of up to $250 per product if you become dissatisfied within 60 days of purchase and the merchant will not accept a return

  • Free fraud monitoring protection

  • Protection against unauthorized online purchases with CardProtect-MasterCard SecureCode.

NEWS CENTER

Simplify Your Shopping with Apple Pay™

Add Your BECU Credit or Debit Card to Apple Pay

Certain restrictions apply. Learn more about Gold Debit Card benefits

You also have the option to flash your Husky spirit with a custom University of Washington Gold Debit Card.

BECU savings accounts - become a member when you start saving

When you open a BECU Member Share savings account with just $5, you become a member of Washington State's leading credit union.

Earn better rates with Member Advantage

You'll earn premium rates on the first $500 you deposit into both your checking and savings when you enroll in Member Advantage. It helps you earn higher interest—plus you'll get better earnings on your CDs, IRAs, and higher balance Money Market accounts. Learn more about Member Advantage

Overdraft protection

We all make mistakes once in a while, and unfortunately, they occasionally happen when we're balancing our checkbooks. That's why we offer our members overdraft protection for checks, Automated Clearing House (ACH), Online Bill Payment, and debit card purchases. Learn more about Overdraft Services

Looking to the Future

Building Credit

Read more
Savvy Money Matters

Banking 101

Read more

*APY = Annual Percentage Yield, rates subject to change, fees may reduce earnings; minimum $5 balance required in Member Advantage Savings Account. Checking account balances over $500.01 and above receive a rate of .05% APY. Savings Account balances over $500.01 and above receive a rate of .10% APY. See Account Disclosure for details.

9To open a Checking Account, you must establish membership by opening a Member Share Savings Account or Member Advantage Savings Account with a required $5 minimum deposit.

10Mobile and internet carrier charges may apply for Online and Mobile Banking usage.