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Limited-Time Reduced Rates

For a limited time, we're offering reduced loan rates, because every dollar you keep gets you closer to your financial goals. Check out today's rates or see below to learn more.

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Consumer Loan Offers

Cash Back Credit Card

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Get $200 cash back when you spend $2,000 within 3 months of account opening.1

Get Details & Apply

Personal Loan

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Enjoy a 0.25% rate discount when you apply for a personal loan through BECU.1

Get Details & Apply

Home Improvement

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Unlock a 0.25% rate discount when you take out a home improvement loan.1

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Auto Refinance

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Refinance your auto loan and enjoy a 0.50% rate discount (rates now as low as 4.74%).1, 2

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Home Equity Line of Credit

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Get a HELOC with a rate as low as 5.99% for 6 months. After the intro period, rates as of 11/01/25 are 7.24% – 10.09% variable APR.1

Get Details & Apply

Business Loan Offers

Business Term & Equipment Loan

Business Term Loans

Get a 0.50% rate discount (as low as 6.67%).1

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Business Cash Back Credit Card

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Enjoy $300 cash back when you spend $3,000 within 3 months of account opening.1

Get Details & Apply

Business Vehicle Loan

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Expand and update your fleet with a 0.50% rate discount (as low as 7.49%).1

Get Details & Apply

Business Line of Credit

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Enjoy a 1% discount and no annual fee for 12-months (or 1 year) on new business LOCs less than $50k.1

Get Details & Apply

Why Choose BECU?

As a cooperative, our priority is providing value to our members. That's why our checking and savings accounts have no monthly maintenance fees or minimum balance. We offer video banking services, text assistance,3 and over 60 locations across Washington State. Plus, we care about the communities we serve—in 2024, we gave over $7 million to local causes.

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How Can I Join BECU?

Available on mobile and desktop

Join Online

Open a BECU credit union account in just a few minutes.

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Video Banking

Meet with a live member consultant "on-demand"
Monday-Friday, 8 a.m. to 6 p.m. Pacific Time
Saturday, 9 a.m. to 1 p.m. Pacific Time.

Calendar / Date

Make an Appointment

Set up an in-person or online appointment on a day and time that works best for you.


Visit the Business Membership page to learn more about how BECU can help you start and grow your business.

1Please see disclosures on linked pages.

2Excludes existing BECU loans/refinances.

3Airtime, roaming, data usage and minutes of use may be billed by your mobile provider.