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.
Get RatesConsumer Loan Offers
Cash Back Credit Card
Get $200 cash back when you spend $2,000 within 3 months of account opening.1
Get Details & ApplyPersonal Loan
Enjoy a 0.25% rate discount when you apply for a personal loan through BECU.1
Get Details & ApplyHome Improvement
Unlock a 0.25% rate discount when you take out a home improvement loan.1
Get Details & ApplyAuto Refinance
Refinance your auto loan and enjoy a 0.50% rate discount (rates now as low as 4.74%).1, 2
Get Details & ApplyHome Equity Line of Credit
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 & ApplyBusiness Loan Offers
Business Cash Back Credit Card
Enjoy $300 cash back when you spend $3,000 within 3 months of account opening.1
Get Details & ApplyBusiness Vehicle Loan
Expand and update your fleet with a 0.50% rate discount (as low as 7.49%).1
Get Details & ApplyBusiness Line of Credit
Enjoy a 1% discount and no annual fee for 12-months (or 1 year) on new business LOCs less than $50k.1
Get Details & ApplyWhy 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.
How Can I Join BECU?
Join Online
Open a BECU credit union account in just a few minutes.
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.
Make an Appointment
Set up an in-person or online appointment on a day and time that works best for you.
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.