member advantage

Robert J., Seattle

A way to say thank you to our members

The more you use your credit union, the more value you can get from your credit union. Member Advantage lets members earn 6.17% APY on the first $500 in their checking and savings accounts1.  In addition, you'll also enjoy better earnings on CDs, IRAs and higher balance Money Market accounts. This is just one way we say “thank you” for being a member.

Member Advantage Features and Benefits
Member Advantage Checking Member Advantage Savings
Higher rate onfirst $500
Better rates on other products
Monthly fee to maintain account
Minimum balance
Online, Mobile and Telephone Banking 2
Bill Payment
Federally insured up to $250,000 3
Debit Mastercard® with Fraud Protection
Access to more than 30,000+ surcharge-free ATMs4

Here's how to qualify5:

  1. Open your BECU Member Advantage checking and savings accounts
  2. Sign up to receive eStatements 
  3. Make a  transaction each month using just one of these free and convenient electronic services:

Debit Mastercard: Make purchases online, over the phone and in person

Online Banking 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

Why you'll love BECU Member Advantage

  • Earn 6.17% APY on the first $500 in both your checking and savings 
  • Receive higher rates on CD, IRA and Money Market accounts
  • No monthly fees to maintain the accounts
  • Free Online Banking, Bill Payment and eStatements
  • Free Debit Mastercard with Fraud Monitoring Protection
  • Federally insured up to $250,000

Check out the great Member Advantage rates on these products:


Get started by opening your BECU checking and savings accounts with our easy online process.

Or let us help you in person. Find a BECU Neighborhood Financial Center of make an appointment at any of BECU’s convenient locations.

1 Rates stated as Annual Percentage Yield (APY), effective 8/1/17 and subject to change. Balances above $500 will earn posted rates for standard Checking and Savings Accounts. Not all account ownership types are eligible for Member Advantage. Limit one Member Advantage checking and savings account per person. A Member Advantage Savings account is required to establish membership.
2 Online banking not available to members 13 and under.
3 Based on account ownership status and account type.
4 Through the CO-OP network.
5 Member Advantage eligibility subject to change. Business and fiduciary accounts are not eligible for Member Advantage.