BECU CD Rates — October 2026

As of October 22, 2026, BECU's highest CD rate is 3.50% APY on a 12-month relationship CD ($500 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.45% to 2.25% APY.

Last verified October 22, 2026 from www.becu.org · NCUA-insured credit union · Tukwila, WA

Best APY3.50%12 months, $500 min

vs. Treasury−1.07%same-term Treasury 4.57%

vs. national average2.0×FDIC national average 1.76%

After inflation-0.24%CPI 3.7% year over year

$10,000 earns$350over 12 months, before tax

BECU CD rates

BECU CD rates
Term	Product	Minimum	APY	vs. Treasury
12 months	12-17 Month CD with Member Advantage Relationship	$500	3.50%	−1.07%
12 months	12-17 Month CD	$500	2.25%	−2.32%
36 months	36-47 Month CD with Member Advantage Relationship	$500	1.95%	−3.00%
36 months	36-47 Month CD	$500	1.45%	−3.50%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Best rate by term

12 mo3.50%
36 mo1.95%

Calculate earnings at 3.50% for 12 months

How BECU compares

Best 1-year rate among the institutions we track: Popular Direct at 4.60% APY.
Popular Direct (NY): best 5.00% APY on 60 months.
Barclays (DE): best 4.75% APY on 24 months.
Sallie Mae Bank (UT): best 4.75% APY on 60 months.
Capital One (VA): best 4.40% APY on 11 months.
Marcus by Goldman Sachs (NY): best 4.40% APY on 12 months.
1-year Treasury: 4.57% APY-equivalent.

Rate changes

No changes since we started tracking BECU on October 22, 2026.

About BECU

Legal name: Boeing Employees Credit Union
Regulator ID: NCUA 62604
Headquarters: Tukwila, WA
Available in: SC, WA
Total assets: $29.6 billion
Also known as: Boeing Employees Credit Union, BECU Credit Union
Website: www.becu.org

Source: rates read from https://www.becu.org/rates/deposit-rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at BECU?

3.50% APY on a 12-month relationship CD, as of October 22, 2026.

What is the minimum deposit for a BECU CD?

The lowest minimum we found is $500.

How does BECU's best CD rate compare with Treasury yields?

3.50% APY is −1.07% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 3.50% a good CD rate?

It is 2.0 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are BECU CDs insured?

BECU is a federally insured credit union (NCUA 62604). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

How often is this page updated?

We check BECU's rate page every day. The rates above were last verified on October 22, 2026.

More CD rates

Rates are copied from BECU's website and may change at any time. Confirm terms, minimums and eligibility with BECU before opening an account. This page is not financial advice.