Online and Mobile Banking will be unavailable on Sunday, March 26 from 12:00AM until approximately 3:00am for scheduled maintenance. We apologize for any inconvenience this may cause. Read more

Putting People FIrst

Not a member? You might want to re-think that.

You clicked this page because you've been wondering, “why BECU?” 

We're a credit union – that means we are a not-for-profit operation. Unlike banks, we don't report to shareholders, who expect high returns on their investment. In fact, we don't even have shareholders – we're owned by you, the members. We exist solely to serve you.

What does this mean? Rather than worried about making money, we spend our time ensuring you spend less of yours. Profits made by the credit union are returned to BECU's member base in the form of lower rates and fewer fees.

Why else should you choose BECU?

  • COMMUNITY. We are proud to roll up our sleeves and help the fellow artists, businesses, schools and students of Washington and South Carolina. Our own employees get 12 hours of paid time off just to volunteer!
  • EXPERTS. Visit with a member consultant at a BECU financial center – you can even pre-book an appointment online. 
  • TECH.  By eliminating physical handling of money, we reduce risk and expense. And you, as a member, get maximum value in return. 
  • NEIGHBORS. Members have access to more than 4,000 shared branch locations across the country. Plus, access BECU ATMs, ATMs in Rite-Aid stores (in Washington State only)  and CO-OP Network-branded ATMs – that's more than 30,000 Surcharge-Free ATMs nationwide! 
  • SAVE. Compared to an average bank, BECU members may save more as a result of our lower rates and fewer fees.
  • DISCOUNTS. Get member-only discounts, perks and benefits all year long! Check our News & Discounts page often for new and updated offers.
  • JOIN. Simply open a savings account and become a member of the credit union.

Earn a better rate

Every year, we review our members' accounts for money-saving opportunities. As part of this effort, we periodically evaluate the credit rating of each member who has a credit card, line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently, made timely payments and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate). Learn more about it works

Watch it pile up

Love fees? Who does? As a not-for-profit financial co-op, all of our profits come back to the membership in the form of fewer fees, better rates and financial education. It's hard getting used to a financial institution that doesn't want to nickel and dime you, but we're living proof it's possible.

Plus, we partner with the community to offer some seriously sweet member discounts – our team is hard at work finding great deals on everything from sporting events and concerts to festivals and trade shows. Stretch your dollar even further: Check Member Discounts often for new and upcoming member offers.

Listening to our members

We make it a priority to listen to what our members' feedback. We even conduct quarterly surveys to measure customer satisfaction and loyalty, asking, “how likely are you to recommend BECU to a friend or colleague?” 

In 2014, BECU's score on the survey was over 70%, well above the financial institution average (29%), and the credit union average (59.79%).

And, many of our products, services and process ideas come from the members themselves. Be part of a membership where your voice counts! Come join BECU.

Get Started

You can join online or in person. It only takes about 10 minutes to apply for BECU membership online, and all residents of Washington state and employees/retirees of Boeing are eligible for membership. Find out if you are eligible, and apply online. Or, apply in person at any of our BECU locations.

What can you do at a BECU Neighborhood Financial Center?

  • Open accounts
  • Apply for loans and credit
  • Sign loan documents
  • Use notary services
  • Get a tutorial on online, mobile and telephone banking

What can you do from BECU-branded ATMs at locations throughout the community (excluding Rite Aid cash-only ATMs)?

  • Make deposits 
  • Withdraw cash
  • View account balances
  • Transfer funds

Find an ATM near you.

Already a new member? 

Visit our New Member Welcome page and find out how to get the most from your membership.