Source: https://www.becu.org/rates/deposit-rates
Read: 2026-10-22T04:38:33.000Z

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Refinance or Use Home Equity
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First-Time Homebuyer Grant Home Rewards Program WSHFC Home Advantage
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Find a Mortgage Advisor First-Time Homebuyer Guide
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See our Loan Reprice Program
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# Deposit Interest Rates
View BECU's current interest rates for checking, saving, CDs, IRAS and money market accounts.
Checking and Saving | CD | Money Market
### Checking and Savings Interest Rates
Checking with Member Advantage
3.04 %
APY
Member Advantage Checking
On the first $500
APY Effective 10/1/2026
More about Checking with Member Advantage
Checking
0.05 %
APY
Checking
APY Effective 10/7/2026
More about Checking
Savings with Member Advantage
5.12 %
APY
Member Advantage Savings
On the first $500
APY Effective 10/7/2026
More about Savings with Member Advantage
Savings
0.20 %
APY
Member Share and Savings
APY Effective 10/7/2026
More about Savings
Early Saver
5.12 %
APY
Early Saver
On the first $500
APY Effective 10/7/2026
More about Early Saver
Early Saver
0.20 %
APY
Early Saver
$500.01+
APY Effective 10/7/2026
More about Early Saver
*See Account Disclosure for details
### Certificate of Deposit (CD) Interest Rates
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
Certificate of Deposit
12-17 Month CD
2.25 %
APY
12 - 17 Month CD
$500+
APY Effective 10/7/2026
Certificate of Deposit
36-47 Month CD with Member Advantage
1.95 %
APY
36 - 47 Month CD with Member Advantage
$500+
APY Effective 10/7/2026
Certificate of Deposit
36-47 Month CD
1.45 %
APY
36 - 47 Month CD
$500+
APY Effective 10/7/2026
Certificate of Deposit
24 Month IRA CD with Member Advantage
2.10 %
APY
24 Month IRA CD with Member Advantage
$500 - $49,999.99
APY Effective 10/1/2026
More about IRA CDs with Member Advantage
*See Account Disclosure for details
### Money Market Interest Rates
Money Market with Member Advantage
2.02 %
APY
Money Market with Member Advantage
$10,000.00 - $24,999.99
APY Effective 10/7/2026
More about Money Market rates
Money Market with Member Advantage
2.48 %
APY
Money Market with Member Advantage
$100,000 - 249,999.99
APY Effective 10/7/2026
More about Money Market rates
Money Market
0.25 %
APY
Money Market
$10,000.00 - $24,999.99
APY Effective 10/7/2026
More about Money Market rates
Money Market
0.25 %
APY
Money Market
$100,000.00 - $249,999.99
APY Effective 10/7/2026
More about Money Market rates
*See Account Disclosure for details
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