Meet Now to Apply for a BECU Membership
Have questions about BECU memberships? One of our Video Banking advisors can guide you through every step of the BECU membership process.
Benefits of Joining BECU Through Video Banking
Life's busy. Video Banking was built to help.
Video Banking lets you skip driving to a location or waiting for an in-person consultant to answer your questions. Enjoy the flexibility you need with live, personalized support for applications, loans, financial services and more.
Not Ready to Meet Now?
Book a video session or connect on demand from your mobile device or personal computer. You'll receive one-on-one guidance from a Video Banking Consultant to help set up your membership and find the banking solutions you need.
Book a Video Banking appointment and meet at a time that's best for you.
Video Banking Hours
- Monday-Friday, 8 a.m. to 6 p.m. Pacific Time
- Saturday, 9 a.m. to 1 p.m. Pacific Time
Start Your Video Banking Session
BECU Membership Eligibility
If you live, work, or go to school in Washington state, you're eligible for BECU membership.
Individuals in select counties of Oregon, Idaho, South Carolina or with affiliation to BECU partners like Boeing, may also be eligible. For more information on specific eligible states, counties, affiliations, and partnerships, visit the membership eligibility page.
BECU Membership Unlocks These Great Products
Free Checking and Savings
Enjoy checking and savings accounts1 with no minimum balance or monthly maintenance fees, plus 30,000+ surcharge-free CO-OP Network ATMs nationwide.
Auto Loans
Our members enjoy great interest rates,2 onsite financing with participating dealerships,3 and enrollment in our BECU Reprice Program.4
Home Loans
Purchase your dream home with a great interest loan with no origination fee5 and up to $8,000 assistance for first-time homebuyers.6
Cash Back Credit Card⁷
Earn 1.5% cash back on all purchases with no annual or cash advance fees.8 New cardholders could get a $100 bonus if you spend $2,000 in purchases within the first three months.9
Online and Mobile Banking¹⁰
Do all your banking from your desktop or phone: Pay bills, deposit checks, set up transfers, and meet with a BECU consultant.
Personal Line of Credit¹¹
Tap into emergency cash for those unexpected expenses with non-sufficient funds/overdraft protection12 and no annual or transfer fees.13
Applying and becoming a credit union member online usually takes less than 30 minutes.
BECU has over 60 convenient locations around Washington state and South Carolina. To find a location near you, use our interactive locations map.
The recommended available bandwidth of 2.6 Mbps upstream and downstream.
Yes. Our checking and savings accounts require no minimum balance, and we have no monthly maintenance fees.
Visit the Business Membership page to learn more about how BECU can help you start and grow your business.
Auto Loans
1Member Share, Member Advantage, or Early Saver savings account required to establish membership; not everyone will qualify.
2Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify.
3Services provided by Credit Union Direct Lending (CUDL) and is not affiliated with BECU. BECU specifically disclaims all warranties with regard to dealers' products and services. Dealer fees apply. Loan program offered including rates, terms, and conditions are subject to change without notice.
4BECU periodically evaluates the credit rating of each member who has a credit card, personal line of credit, auto, boat, RV, or personal loan with BECU. If your score has improved sufficiently and your account is in good standing, we will look at reducing your rate (if you're not already receiving our lowest published rate.)
Home Loans
6Mortgage loans are subject to membership, credit approval, and other underwriting criteria; not every applicant will qualify. Certain restrictions apply. Home loan programs, terms, and conditions are subject to change without notice.
6Buyers must meet all the First-Time Homebuyer Grant program criteria, including loan and property qualifications, all of which are not listed here. BECU reserves the right to alter or change criteria. All federal, state, and local taxes imposed on the acceptance of a grant are solely the responsibility of the applicant. BECU will issue an IRS Form 1099-MISC or W-2 to an applicant where a Form 1099-MISC or W-2 is required by applicable law. Applicants should consult their own accountant(s) or tax advisor(s) to determine tax implications, if any.
Cash Back Credit Card
7Approval 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.
8BECU's credit card rates in effect as of 7/1/2026 range from 16.49% to 25.49% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your creditworthiness.
9$100 CASH BACK AFTER SPENDING $2,000 IN 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 this 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 $100 cash back credit which you must redeem. 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.
10Airtime, roaming, data usage, and minutes of use may be billed by your mobile provider.
Personal Line of Credit
11Approval subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify. BECU checking account and automatic payment method required. Interest charges accrue from the date any credit advance is posted to your account.
12After the personal line of credit is established, overdraft funds transfers will be made in $100 increments (or the unused portion of the available credit limit if less than $100) to the checking or money market account attached. Overdraft for savings accounts not available. Interest charges accrue from the date of a credit advance or transfer.
13Personal lines of credit rates in effect as of 7/1/2026 range from 15.25% to 23.25% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your creditworthiness.