Loans to Fund Your Future

¹Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify.

²ADDITIONAL TERMS ON AUTO LOAN REFINANCE FROM ANOTHER LENDER. Auto Loan Refinance APRs as of 10/31/2025 range from 4.74% to 18.00%. Lowest APR based on borrower's credit history, 60-month or less repayment term, collateral two (2) years old or newer with up to 90% loan-to-value (LTV), and approved collateral value by BECU. Auto Loans with repayment terms that exceed 60 months, 90% LTV, involve lesser applicant creditworthiness, or collateral older than two (2) years are subject to higher APRs and lower loan amounts. Payment example for a 5-year, $30,000 loan with an interest rate of 4.74%, the APR would be 4.74% with monthly payments of $562.57. Certain conditions apply, including but not limited to, the loan amount cannot exceed BECU's approved value for auto, collateral mileage cannot exceed 150,000 miles, and the loan proceeds may not be used to pay off, refinance, or pay down any BECU loan. The specific amount of the loan shall be based on the approved value of the collateral and will be the amount needed to pay off the existing loan with the other institution as supported by current lienholder payoff information. Final loan approval is subject to funding review by BECU. Actual rate may be higher.

³With a reprice, your rate cannot drop below the lowest current published rate. Loan products available for this benefit may change at any time, the reprice program may end at any time, and we may not be able to lower your rate with each evaluation.

⁴Personal Loan rates effective October 31, 2025, range from 9.74% to 19.99% APR based on credit qualifications, amount borrowed, and term.

⁵Home Improvement Loan rates effective October 31, 2025, range from 9.24% to 19.99% APR based on credit qualifications, amount borrowed, and term.

⁶Home Improvement Loan rates effective October 31, 2025, range from 9.24% to 19.99% APR. Rates are based on an evaluation of credit history and other factors specific to your loan (such as credit qualification, loan term, and loan amount) and may be higher than the lowest rates advertised. The final APR may differ from the loan interest rate due to additional fees that may apply. Advertised APR as low as 9.24% in effect as of October 31, 2025 to December 31, 2025, and based on financing of a 4-year, $5,001 to $35,000 loan of an established BECU member with an excellent credit score and a rate reduction of 0.25%. Actual rate will be based on applicant's credit worthiness, loan amount, and loan term. Example payment for a $35,000 home improvement loan for 48 months at 9.24% APR is $874.97.

⁷Home Equity Line of Credit advances rates range from 7.24% to 10.09% APR as of November 1, 2025. The APR is based on the Prime Rate in effect on the last day of the previous month, plus a margin, but will never exceed 18.00% or go below 3.25% APR. The promotional APR for fixed rate advances (FRA) as of October 31, 2025, range from 6.99% to 10.09% APR. The FRA APR will be the rate in effect when the FRA is established, which can only occur once the HELOC funds and an advance is taken. Your specific APR(s) is determined by your creditworthiness and property type and qualifications. The quoted APR ranges are subject to change.

⁸Financing is subject to BECU membership, credit approval and other underwriting criteria; not every applicant will qualify. BECU must be able to perfect a first or second mortgage lien on your one-to-four family residence. Borrower will not have to pay any upfront fees to open the HELOC in normal circumstances. Borrower is required to pay for optional services (e.g., if borrower retains an attorney that borrower is not required to use). In South Carolina, where the law requires use of an attorney, BECU will be solely responsible for paying all attorneys' fees and costs necessary to open the HELOC and will perform this responsibility fully by paying all reasonable attorneys' fees and costs related specifically to the closing based on rates typically charged by attorneys in the local market for the closing of similar HELOC transactions. If the title report shows more than one existing lien, judgments, deceased owners, or other title issues, or if the appraisal shows problems with the subject property, however, then Borrower may be required to pay third parties to subordinate or otherwise resolve such title issues and/or to repair or otherwise resolve such property problems. These third-party charges may range from an average of $150.00 to $775.00 based on the specific circumstance. This range of charges does not include estimates for the costs of home repairs. Additional state or local mortgage fees or taxes may apply. Borrower will be required to pay for hazard insurance (including flood insurance, if applicable) throughout the term of the HELOC. When the HELOC terminates, Borrower will be required to pay a reconveyance fee up to $327.50. This fee must also be paid when refinancing your existing BECU HELOC with a new HELOC - this fee is subject to change at any time. The actual rate may be higher than the advertised rate for loans exceeding 70% combined loan-to-value (CLTV) or if you have lesser creditworthiness. Rates are subject to change without notice and assume a borrower with excellent credit. Loan programs, terms, and conditions are subject to change without notice.

⁹The HELOC six-month introductory offer applies to applications received between April 15 to December 31, 2025, on owner-occupied properties only. The APR for line of credit advances during the intro period will be 5.99%-7.99%, based on creditworthiness, for six months from date of account origination. After that, your APR will range from 7.24% to 10.09% as of October 31, 2025, and are subject to change. This APR is based on the Prime Rate in effect on the last day of the previous month, plus a margin, but will never exceed 18.00% or go below 3.25%. Your specific APR is determined by your creditworthiness and property. During the HELOC intro period your minimum payment amount may be less. During the intro period and after, your monthly payment will equal the amount of accrued interest, subject to the lesser of $100 or your outstanding balance. Because the minimum monthly payment during the draw period is interest only, your principal balance may not be reduced. At the end of the draw period, your monthly payment will increase and equal the amount of principal and interest necessary to pay off the loan balance by the end of the 180-month repayment period. Your payments during both the draw and repayment periods will not include amounts due for property taxes and insurance. APRs do not include costs other than interest.

¹⁰Approval subject to BECU membership, credit approval and other underwriting criteria; not every applicant will qualify. Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information. Your APR will vary with the market based on the Prime Rate. Please refer to the Credit and Security Agreement for the terms and conditions, fees, and charges, and other information regarding your credit card account.

¹¹$200 CASH BACK AFTER SPENDING $2,000 ON PURCHASES WITHIN THREE (3) MONTHS from account opening: This offer is not available to either (i) current cardholders of this credit card, or (ii) previous cardholders of this credit card who received a new cardholder bonus for the credit card within the last 12 months, (iii) individuals who currently have a Low Rate or Points Rewards credit card and switch to a Cash Back Rewards credit card, or (iv) to individuals who have opened a different Cash Back Rewards account within the previous 12 months. You will receive the $200 cash back credit, which you must redeem, as a statement credit only. To qualify and receive your bonus, you must make purchases totaling $2,000 or more in the first three (3) months from account opening. ("Purchases" do not include balance transfers, cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, any fees of any kind, including an annual fee, if applicable.) After qualifying, please allow up to 30 days for bonus to post to your cash back balance. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

¹²BECU's Cash Back credit card rates in effect as of December 1, 2025, range from 16.74% to 25.74% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your credit worthiness.

¹³Refer to the BECU Credit Card Guide to Benefits for details.