APY Effective 4/1/2023*
Member Advantage Savings
On the first $500
Member Share and Savings
See Account Disclosure for details
Members who open a savings account can expect the same great features we offer with our checking accounts – no monthly maintenance fees, no minimum balance requirements, and more.
Savings Account Features1
- No minimum balance
- No monthly maintenance fees
- Earn a higher rate on the first $500 with Member Advantage Savings2
- Nationwide access to 30,000+ surcharge free ATMs
- Free Online Banking and Mobile Banking App
- Free FICO Score
All our Savings Accounts are federally insured up to $250,000 and come with a free savings ATM card.
Member Advantage Savings1
- Premium Rate on first $5002
- Earn higher rates on CD, IRA & Money Market
- Refunded out-of-network ATM Fees (Up to $3 per month)4
- Free Online banking with bill pay service
- Member Advantage Savings only available with Member Advantage Checking
Member Share Savings2
- Standard savings account, available with or without Checking.
- Premium Rate on first $5002
Applying Online is not currently available for Youth Savings Accounts. Please consider making an appointment before stopping by one of our neighborhood financial centers to apply in person.
You will need to bring the child you want associated with the account and both adult and child social security numbers.
How to Open an Account
Join online (adults only) or in person at one of our Neighborhood Financial Centers
Check out our BECU Switch Kit for help on leaving your existing bank
Questions? Give us a call at 800-233-2328
Qualification for Member Advantage Savings
To get even higher rates on CDs, IRAs, and Money Market accounts, plus the first $500 in your savings account, enroll in free Member Advantage. After opening your Member Share Savings account, qualify for Member Advantage with these three steps:
- Sign up to receive monthly eStatements; and
- Make at least one free electronic transaction per month7
- Have both a BECU checking and savings account
When it comes to finances, we're all in it together. BECU is member-owned credit union, not a bank, and we're here to make our members' lives easier by saving them money. That's why we offer our members free or low-cost services and competitive rates on loans and credit cards.
By establishing membership with us, you'll get these membership benefits and more.
- Our community involvement programs provide member inspired giving
- Access to hundreds of local deals and discounts
- Free Financial Health Check
- Access to free Financial Guidance articles and Financial Webinars and Seminars
1 You must establish membership by opening a Member Share Savings Account or Member Advantage Savings Account. Business and fiduciary accounts are not eligible for Member Advantage. Limit one Member Advantage Checking and Savings account per person. Member Advantage eligibility and benefits are subject to change.
2 APY = Annual Percentage Yield, rates subject to change, fees may reduce earnings; A Member Advantage Savings Account is required to establish membership. See Account Disclosure for details.
3 Based on account ownership status and account type.
4 Refund of out-of-network ATM fees charged by the other financial institution on ATM withdrawals from a Member Advantage Savings, Member Advantage Checking or Member Advantage Money Market account. Refund will be made in to the Member Advantage account of withdrawal. Account must be open and still considered Member Advantage at time of refund. Refunds processed daily and may take up to three days due to cut-off and posting times. If you share your Member Advantage account with another person, your maximum fee reimbursement will still be $3.
5 Limit 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. A parent or guardian is required. A Member Share savings, Member Advantage savings or Early Savers account is required to establish membership.
6 Qualifying transactions include: Debit Mastercard: Make purchases online, over the phone and in person, Online or Telephone Banking: make BECU loan or Visa payments, or transfer funds between BECU accounts, Bill Payment: Pay utilities, credit cards, businesses, or individuals, Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account.
7 0.20% currency conversion fee may be included in the purchase or withdrawal's overall total when using a debit card; however, the fee will be refunded within 3 business days contingent upon the account being open at the time of refund.
8 Certain restrictions, conditions and limitations apply. More detailed information on these benefits can be found in the MasterCard Guide to Benefits.