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
Refunded out-of-network ATM withdrawal fees (up to $6 monthly) 3
Bill Payment
Federally insured up to $250,000 4
Debit Mastercard® with Fraud Protection
Access to more than 30,000+ surcharge-free ATMs5

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
  • Refunded out-of-network ATM fees (up to $6 per month)3

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.

3Refund of out-of-network ATM fees charged by the other financial institution on ATM withdrawals from a Member Advantage Savings, Member Advantage Checking or Member Advantage Money Market account.  Refund will be deposited into the Member Advantage account of withdrawal. A maximum of $6 per month will be refunded on the Member Advantage relationship and all associated Member Advantage accounts.  Account must be open and still considered Member Advantage at time of refund.  Refunds processed daily and may take up to three days due to cut-off and posting times.

4Based on account ownership status and account type.

5Through the CO-OP network.

6Member Advantage eligibility subject to change. Business and fiduciary accounts are not eligible for Member Advantage