Act Now for Reduced Loan Rates

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

²APRs as of 4/1/2026 range from 5.49% to 18%. 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 based on wholesale Kelley Blue Book or dealer invoice. 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. Certain conditions apply. The specific amount of the loan shall be based on the approved value of the collateral. Final loan approval is subject to funding review by BECU. Actual rate may be higher. Financing is subject to BECU credit approval and other underwriting criteria; not every applicant will qualify. Apply to refinance an external auto loan at BECU by 7/15/2026, and receive a 0.50% APR discount on the qualified rate if the loan is approved. The rates with this discount are 4.99% to 18.00% APR.

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.

⁴Loan rates effective April 1, 2026, range from 9.74% to 19.99% APR based on credit qualifications, amount borrowed, and term.

⁵Loan rates effective April 1, 2026, range from 9.24% to 19.99% APR based on credit qualifications, amount borrowed, and term.

⁶Example payment for a $35,000 home improvement loan for 6 years at 10.74% APR is $661.54 per month.

⁷Financing is subject to BECU membership, credit approval and other underwriting criteria in the following states: WA, AZ, CA, ID, IL, KS, MO, OR, PA, SC; 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 of 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. Loan programs, terms, and conditions are subject to change without notice.

⁸The six-month introductory offer applies to applications received between April 1 -July 31, ,2026, on owner-occupied properties only. The APR for line of credit advances during the intro period will be 4.49-6.99% APR, based on creditworthiness, for six months from date of account origination. After that, your APR will range from 6.99% to 9.84% APR as of April 1, 2026, 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.

⁹During 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.