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BECU (Boeing Employees Credit Union)


Overview / Commentary
www.becu.org
800-233-2328
12770 Gateway Dr S
Tukwila, WA 98168

BECU (Boeing Employees Credit Union) is headquartered in Tukwila and is the largest credit union in the state of Washington. It is also the 4th largest credit union in the nation. It was established in 1935 and as of December of 2023, it had grown to 3,049 employees and 1,457,207 members at 61 locations. BECU (Boeing Employees Credit Union)'s CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in BECU is open to anyone through membership in GoWest Foundation ($20 membership fee). Membership is also open to the following: 1) those who live in the state of Washington; 2) those who live in the Oregon counties of Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Deschutes, Douglas, Jackson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, or Yamhill; 3) those who live in the Idaho counties of Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, or Shoshone; 4) employees, retirees, volunteers of BECU or the Boeing Company; 5) anyone associated with University of Washington Alumni Association (UWAA), Washington State University Alumni Association (WSUAA), BECU Foundation, GoWest Foundation (formerly NW Credit Union Foundation), KEXP, or Sea Hawkers Central Council (AKA Sea Hawkers Booster Club.
See current membership details

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Reviews (47)

Great Rates

Posted by: |

Good bank, great rates. However can get a little trigger happy with overdrafts if you have a maxed out line of credit. Working on some math to find out if my 10.99% interest is being calculated properly as it appears it's not. However I won't change my review from 5 stars until I discuss with a banker in person.

6

Good Short Term CD Rates Currently

Posted by: |

Currently 5.75% APY on 3-5 month CDs for Member Advantage customers.

In general BECU rates are not good. But will take advantage of these.

2

Okay For A Secondary Bank

Posted by: |

I've had an account here for several years, as it's nearby.

The good: they're checking and savings rates for smaller balances, i.e. <$500, are excellent. Their telephone support has been close to excellent. Multiple cash machines that are inside, at least at the two branches I can think of.
The okay: their in-branch services are fairly good at the front end, where they have staff to hear what you're there for who in turn direct you to the appropriate place.
The could-be-improved: you can sit around for a long, long time, and you have no idea when you're next. The prerequisites for earning the extra interest were unclear until I called in response to a letter I received from them, and they're very minimal. Their website could use updating.
The bad: it took me 4 visits just to get added to a business account, with the first three reps providing a different answer each time. It took a phone call between visits 3 and 4 and bringing in their name and what they said to get it to happen. I get alerts fairly often providing me the code to sign in for my account when I wasn't, and when I call the # in question, I get a general number with AI options!

2

BECU Investment And Member's Trust Services Disaster

Posted by: |

I witnessed the most disgusting and unprofessional behavior and it came from someone who's credentials and business accumam and connection to BECU, has landed them on local television, promoting setting up trusts for families.

Yet this VP and the trust officer, spread false and slanderous defaming information about one of their trust beneficiaries 82 year old last remaining relative, right after the beneficiary, not only lost both parents, but a best friend.

The beneficiary is developmentally disabled and living in near squaller conditions. The most severe German cockroach infestation I have ever witnessed. A microwave arcing and toxic black mold. Telling her that she cannot afford to live outside of public housing and is fine there for another year.

With nearly $400,000.00 in the trust and well over a million more on the way.

They told her that her trust shouldn't pay for her disabled uncle living on $1,500 per month, after his life savings was stolen, on his 150 mile round trips, he shouldn't be reimbursed for the transportation even though every single time, sometimes 2 times a week, she needed for help, claimed to have no support and wanted nothing to do with the organization the Trust and the will, wanted to support her. She said "I am afraid of them. Please don't tell the Arc or the BECU Trust about the mold and cockroaches, they will get mad at me and said I'm fine here for another year."

She has a DSHS worker who has allowed her to remain in these conditions and done nothing to remedy either health risk.

So on Monday, March 18 at about 11:30 am, I drove her uncle the 150 miles and he was in her apartment when the trustee and the VP of BECU Investment and Members Trust Services showed up. One other friend of his niece from another apartment was there as well. The VP said you all have to go. We are only here to meet with the trust beneficiary. The beneficiary said "No! I want my uncle to stay and hear anything you have to say." The VP said "no." Then they went in to verbally bash her uncle and get him out of the way and stop.demanding oversight.

The photographic evidence, recordings etc, are so disgusting and there is no way this developmentally delayed disabled person should be living in this health hazard! Period! This isn't "her choice". You're supposed to be the ones taking care of her!

Disgusted!

1
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Health
A

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #62604
Year Chartered1935
Employees3049
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD4.17%
Annual Interest Income$1.31B
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$29.87B$28.78B
LoansQ4 2023vs Q4 2022$18.62B$16.41B
DepositsQ4 2023vs Q4 2022$24.79B$25.86B
Equity CapitalQ4 2023vs Q4 2022$5.07B$1.95B
Loan Loss AllowanceQ4 2023vs Q4 2022$224.4MM$117.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$49.2MM$28.3MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not BECU (Boeing Employees Credit Union); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BECU (Boeing Employees Credit Union) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.17%*-$500Member Advantage Savings
OTHER TIERS: 0.50% → $500+
6.17%*-$500Early Saver Savings
OTHER TIERS: 0.50% → $500+
0.50%--Member Share Savings
0.50%--Business Member Share Savings
0.50%--Variable IRA Savings
0.50%--Health Savings Account
0.50%--Savings
0.50%--Business Savings

BECU (Boeing Employees Credit Union) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%*$10k*-Money Market w/ Member Advantage
OTHER TIERS: 2.00% → Up to $10k
2.78%*$10k*-Business Money Market
OTHER TIERS: 2.00% → Up to $10k
1.75%*$10k*-Money Market
OTHER TIERS: 1.00% → Up to $10k

BECU (Boeing Employees Credit Union) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%*-$500Member Advantage Checking
OTHER TIERS: 0.10% → $500+
0.10%--Checking
0.10%--Business Interest Bearing Checking

BECU (Boeing Employees Credit Union) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%*$500*-12 - 17 Month CD w/ Member Advantage
OTHER TIERS: 4.17% → $50k - $100k
4.65%*$100k*-12 - 17 Month CD
OTHER TIERS: 4.25% → $500 - $100k
4.25%$500-Business 12 - 17 Month CD
3.50%*$500*-12 Month Bump CD w/ Member Advantage
OTHER TIERS: 2.96% → $50k - $100k
3.45%*$100k*-12 Month Bump CD
OTHER TIERS: 3.00% → $500 - $100k
3.25%*$500*-6 - 11 Month CD w/ Member Advantage
OTHER TIERS: 2.72% → $50k - $100k
3.25%*$500*-18 - 23 Month CD w/ Member Advantage
OTHER TIERS: 2.72% → $50k - $100k
3.20%*$100k*-6 - 11 Month CD
OTHER TIERS: 2.75% → $500 - $100k
3.20%*$100k*-18 - 23 Month CD
OTHER TIERS: 2.75% → $500 - $100k
3.00%*$500*-3 - 5 Month CD w/ Member Advantage
OTHER TIERS: 2.47% → $50k - $100k
3.00%$500-Business 12 Month Bump CD
2.96%*$100k*-3 - 5 Month CD
OTHER TIERS: 2.50% → $500 - $100k
2.78%*$100k*-24 - 35 Month CD w/ Member Advantage
OTHER TIERS: 2.25% → $50k - $100k | 2.73% → $500 - $50k
2.75%*$100k*-24 - 35 Month CD
OTHER TIERS: 2.22% → $500 - $50k | 2.27% → $50k - $100k
2.75%$500-Business 6 - 11 Month CD
2.75%$500-Business 18 - 23 Month CD
2.58%*$100k*-60 Month CD w/ Member Advantage
OTHER TIERS: 2.05% → $50k - $100k | 2.53% → $500 - $50k
2.55%*$100k*-60 Month CD
OTHER TIERS: 2.02% → $500 - $50k | 2.07% → $50k - $100k
2.53%*$100k*-24 Month Bump CD w/ Member Advantage
OTHER TIERS: 2.00% → $50k - $100k | 2.48% → $500 - $50k
2.50%*$100k*-24 Month Bump CD
OTHER TIERS: 1.97% → $500 - $50k | 2.02% → $50k - $100k
2.50%$500-Business 3 - 5 Month CD
2.48%*$100k*-48 - 59 Month CD w/ Member Advantage
OTHER TIERS: 1.95% → $50k - $100k | 2.43% → $500 - $50k
2.45%*$100k*-48 - 59 Month CD
OTHER TIERS: 1.92% → $500 - $50k | 1.97% → $50k - $100k
2.38%*$100k*-36 - 47 Month CD w/ Member Advantage
OTHER TIERS: 1.85% → $50k - $100k | 2.32% → $500 - $50k
2.35%*$100k*-36 - 47 Month CD
OTHER TIERS: 1.81% → $500 - $50k | 1.87% → $50k - $100k
2.27%*$50k*-Business 24 - 35 Month CD
OTHER TIERS: 2.22% → $500 - $50k
2.07%*$50k*-Business 60 Month CD
OTHER TIERS: 2.02% → $500 - $50k
2.02%*$50k*-Business 24 Month Bump CD
OTHER TIERS: 1.97% → $500 - $50k
1.97%*$50k*-Business 48 - 59 Month CD
OTHER TIERS: 1.92% → $500 - $50k
1.87%*$50k*-Business 36 - 47 Month CD
OTHER TIERS: 1.81% → $500 - $50k

BECU (Boeing Employees Credit Union) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.61%*$100k*-12 Month IRA w/ Member Advantage
OTHER TIERS: 3.05% → $50k - $100k | 3.56% → $500 - $50k
3.55%*$100k*-12 Month IRA
OTHER TIERS: 3.04% → $500 - $50k | 3.09% → $50k - $100k
3.50%*$500*-12 Month Bump IRA Certificate w/ Member Advantage
OTHER TIERS: 2.96% → $50k - $100k
3.45%*$100k*-12 Month Bump IRA Certificate
OTHER TIERS: 3.00% → $500 - $100k
3.25%*$500*-18 Month IRA Certificate w/ Member Advantage
OTHER TIERS: 2.72% → $50k - $100k
3.20%*$100k*-18 Month IRA Certificate
OTHER TIERS: 2.75% → $500 - $100k
2.78%*$100k*-24 Month IRA w/ Member Advantage
OTHER TIERS: 2.25% → $50k - $100k | 2.73% → $500 - $50k
2.75%*$100k*-24 Month IRA
OTHER TIERS: 2.22% → $500 - $50k | 2.27% → $50k - $100k
2.58%*$100k*-60 Month IRA Certificate w/ Member Advantage
OTHER TIERS: 2.05% → $50k - $100k | 2.53% → $500 - $50k
2.55%*$100k*-60 Month IRA Certificate
OTHER TIERS: 2.02% → $500 - $50k | 2.07% → $50k - $100k
2.53%*$100k*-24 Month Bump IRA Certificate w/ Member Advantage
OTHER TIERS: 2.00% → $50k - $100k | 2.48% → $500 - $50k
2.50%*$100k*-24 Month Bump IRA Certificate
OTHER TIERS: 1.97% → $500 - $50k | 2.02% → $50k - $100k
2.48%*$100k*-48 Month IRA Certificate w/ Member Advantage
OTHER TIERS: 1.95% → $50k - $100k | 2.43% → $500 - $50k
2.45%*$100k*-48 Month IRA Certificate
OTHER TIERS: 1.92% → $500 - $50k | 1.97% → $50k - $100k
2.38%*$100k*-36 Month IRA Certificate w/ Member Advantage
OTHER TIERS: 1.85% → $50k - $100k | 2.32% → $500 - $50k
2.35%*$100k*-36 Month IRA Certificate
OTHER TIERS: 1.81% → $500 - $50k | 1.87% → $50k - $100k
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