BECU Interest Rates
Check current interest rates on all BECU deposit, loan and business products.
Mortgage and Home Equity Rates | Deposit Rates | Vehicle Loan Rates | Personal Loan and Credit Card Rates | Business Loan and Credit Card Rates | Business Deposit Rates
Special Introductory HELOC Rates
Looking for competitive HELOC rates? Apply for a new home equity line of credit (HELOC) and get an introductory rate ranging from 4.49% to 6.99% APR. After six months, your HELOC rate will convert to a variable rate ranging from 7.24% to 10.09% APR, depending on your creditworthiness.1
To take advantage of this special introductory HELOC rate, apply during the promotional period between Oct. 1 and Dec. 31, 2026. This offer is available only on owner-occupied properties.
Reduced Personal Loan Rates
Looking for a competitive rate on a personal loan? We've reduced our rates to help you consolidate debt or plan for the future. Rates now range from 9.49% to 19.99% APR.
Limited-Time Discounted Auto Refinance Rates
Looking for a competitive auto refinance rate? Apply today to refinance your loan from another lender and receive a 0.50% rate discount with rates as low as 5.39% APR2 after the discount. Standard rates range from 5.89% to 18.00% APR. Take advantage of this opportunity to potentially drive down your car payments. Offer ends Dec. 31, 2026.
Fixed Rate 12 Year No Fee
7.250
%
APR
12-Year Fixed No Fee
Refinance Only
APR Effective 10/29/2026
Fixed Rate 15 Year
6.645
%
APR
15 Year Fixed
Loan limits up to $3 million
APR Effective 10/29/2026
Fixed Rate Refinance 15 Year
6.639
%
APR
15 Year Fixed Refinance
APR Effective 10/29/2026
Fixed Rate 30 Year
7.219
%
APR
30-Year Fixed
APR Effective 10/29/2026
Fixed Rate Refinance 30 Year
7.228
%
APR
30-Year Fixed Refinance
APR Effective 10/29/2026
Construction 30 Year Fixed Rate
7.711
%
APR
30 Year Fixed Construction
12 month construction term
APR Effective 10/29/2026
Construction Jumbo 30 Year Fixed Rate
7.340
%
APR
30 Year Fixed Jumbo Construction
12 month construction term
APR Effective 10/29/2026
Home Equity Fixed Rate Advance
6.99
%
APR
Fixed Rate Advance
APR Effective 10/23/2026
Home Equity Line of Credit
7.24
%
APR
Home Equity Line of Credit
APR Effective 10/23/2026
Adjustable Rate 5/6 (ARM)
6.672
%
APR
5 Year ARM (5yr/6mo)
Adjusts every 6 months, after initial five-year period.
APR Effective 10/29/2026
Adjustable Rate 7/6 (ARM)
6.561
%
APR
7 Year ARM (7yr/6mo)
Adjustable after year 7
APR Effective 10/29/2026
Adjustable Rate 10/6 (ARM)
6.670
%
APR
10 Year ARM (10yr/6mo)
Adjustable after year 10
APR Effective 10/29/2026
Fixed Rate Refinance 15 Year
6.639
%
APR
15 Year Fixed Refinance
APR Effective 10/29/2026
Fixed Rate Refinance 30 Year
7.228
%
APR
30-Year Fixed Refinance
APR Effective 10/29/2026
Jumbo 30 Year Fixed Rate
6.793
%
APR
Jumbo 30-Year Fixed
APR Effective 10/29/2026
Construction Jumbo 30 Year Fixed Rate
7.340
%
APR
30 Year Fixed Jumbo Construction
12 month construction term
APR Effective 10/29/2026
Construction 30 Year Fixed Rate
7.711
%
APR
30 Year Fixed Construction
12 month construction term
APR Effective 10/29/2026
Construction Jumbo 30 Year Fixed Rate
7.340
%
APR
30 Year Fixed Jumbo Construction
12 month construction term
APR Effective 10/29/2026
VA 30 Year Fixed Rate
7.017
%
APR
VA 30 Year Fixed
VA Purchase 0% Down
APR Effective 10/29/2026
FHA 30 Year Fixed
7.554
%
APR
FHA 30 Year Fixed
APR Effective 10/29/2026
12-17 Month CD with Member Advantage
3.50
%
APY
12 - 17 Month CD with Member Advantage
$500-$99,999.99
APY Effective 10/7/2026
36-47 Month CD with Member Advantage
1.95
%
APY
36 - 47 Month CD with Member Advantage
$500+
APY Effective 10/7/2026
Money Market with Member Advantage
2.02
%
APY
Money Market with Member Advantage
$10,000.00 - $24,999.99
APY Effective 10/7/2026
Money Market with Member Advantage
2.48
%
APY
Money Market with Member Advantage
$100,000 - 249,999.99
APY Effective 10/7/2026
Money Market
0.25
%
APY
Money Market
$10,000.00 - $24,999.99
APY Effective 10/7/2026
Money Market
0.25
%
APY
Money Market
$100,000.00 - $249,999.99
APY Effective 10/7/2026
Checking with Member Advantage
3.04
%
APY
Member Advantage Checking
On the first $500
APY Effective 10/1/2026
Savings with Member Advantage
5.12
%
APY
Member Advantage Savings
On the first $500
APY Effective 10/7/2026
Auto Loan Rates
Auto Used
6.19
%
APR
Used Auto Loans
2023 - 2016
APR Effective 10/23/2026
Boat, RV and Motorcycle Loan Rates
Personal Loan Rates
Personal
9.49
%
APR
Personal Loan
APR Effective 10/23/2026
Home Improvement Loan Rates
Home Improvement
9.24
%
APR
Home Improvement Loan
APR Effective 10/23/2026
Credit Card Interest Rates
Low Rate Credit Card
12.49
%
APR
Low Rate Credit Card
Variable Rate
APR Effective 10/1/2026
Cash Back Credit Card
16.49
%
APR
Cash Back Credit Card
Variable Rate
APR Effective 10/1/2026
Personal Line of Credit Rates
Personal Line of Credit
15.25
%
APR
Personal Line of Credit
APR Effective 10/23/2026
Equipment Term Loan
7.95
%
Business Equipment-Term Loan
$10,000 - $249,999
Effective 10/1/2026
Line of Credit Unsecured
9.00
%
Line of Credit Unsecured
$5,000 - $49,999.99
Effective 10/1/2026
Line of Credit Unsecured
NA
%
Line of Credit Unsecured
$10,000 - $100,000
Effective 10/1/2026
Vehicle New
6.99
%
Business Vehicle
New Auto - 2024 or newer
Effective 10/1/2026
Vehicle Used
7.49
%
Business Vehicle
Used Auto - 2023 and older
Effective 10/1/2026
BECU Business Low Rate Credit Card
14.49
%
APR
BECU Business Low Rate Credit Card
Variable Rate
APR Effective 10/1/2026
Business Cash Back Credit Card
16.99
%
APR
Business Cash Back Credit Card
Variable Rate
APR Effective 10/1/2026
3-5 Month CD
2.00
%
APY
3-5 Month Business CD
$50,000 +
APY Effective 10/1/2026
6-11 Month CD
3.50
%
APY
6-11 Month Business CD
$500 - $49,999.99
APY Effective 10/1/2026
12-17 Month CD
2.45
%
APY
12-17 Month Business CD
$500 +
APY Effective 10/1/2026
12-17 Month CD
2.45
%
APY
12-17 Month Business CD
$50,000 +
APY Effective 10/1/2026
36-47 Month CD
1.45
%
APY
36-47 Month Business CD
$500 - $49,999.99
APY Effective 10/1/2026
36-47 Month CD
1.50
%
APY
36-47 Month Business CD
$50,000 +
APY Effective 10/1/2026
60 Month CD
1.15
%
APY
60 Month Business CD
$500 - $49,999.99
APY Effective 10/1/2026
Money Market
2.38
%
APY
Business Money Market
$10,000 - $99,999.99
APY Effective 1/22/2026
Money Market
2.38
%
APY
Business Money Market
$50,000 - $99,999.99
APY Effective 10/1/2026
Money Market
2.48
%
APY
Business Money Market
$100,000.00 - $249,999.99
APY Effective 10/1/2026
Checking with Interest
0.10
%
APY
Business Interest Checking
APY Effective 10/1/2026
Savings
0.20
%
APY
Business Member Share Savings
APY Effective 10/1/2026
Mortgage and Home Equity Rates
Check our competitive mortgage rates and rates on home equity lines of credit.
- Fixed and Adjustable
- Home Equity
- Refinance
- Construction
- Government
Deposit Rates
Our checking and savings accounts are free, with not minimum balances or monthly maintenance fees.
- Checking
- Savings
- CDs
- Money Market
Auto, Boat and RV Rates
Our vehicle loan rates are some of the most competitive in the region.
- Auto
- Boat
- RV
- Motorcycle
Business Loan and Credit Card Rates
Business members get great rates on commercial loans and business lines of credit.
- Line of Credit
- Vehicles and Equipment
- Commercial Real Estate
- BECU Business Credit Card
Business Deposit Rates
Business members enjoy no monthly maintenance or foreign transaction fees, with no minimum balance requirements.
- Checking
- Savings
- CDs
- Money Market
See important information about rates, fees and other costs