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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 June of 2023, it had grown to 2,863 employees and 1,430,708 members at 59 locations. BECU (Boeing Employees Credit Union)'s money market rates are 5X the national average, and it has a B 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 (45)

BEST Experience Of A Lifetime

Posted by: |

I am an 83yr old Vet. I have been member of BECU for many years I retired from Boeing in 2017 and purchased machines for home business. one broke and the company gave me a hard time with warranty so Olivia, manager of Bonney Lake branch, helped me with dispute which led to me returning it and BECU removed the large funds from their bank.
2 July2021, I went to Amazon Cust service for help with a Fire Stick. over 4th holiday the guy got into my computer and cleaned out our checking account. Olivia prepared the paperwork and BECU replaced our funds before they recovered them. Soc. Sec. told me that direct deposit into our new account would take 60 days, I called BECU and was told they could do nothing so I asked for a supervisor and got SHELBY in Spokane, she said our old canceled account still existed so she placed monitoring and alerts on our old account and when various on-line deposits arrive, she will transfer them into our new account. I am 83yrs old and have banked all my life. I have NEVER received such competent help from employees who are so pleasant to work with. I will tell everyone and never look at another bank.

3

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.

5

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

Terrible Customer Service, Unhelpful Staff, Snaky Practices

Posted by: |

No customer service and really unhelpful staff. I have to drag information out of them or I have to already know how to fix the problem before dealing with them. They are very unresponsive--there is virtually no email; you have to wait on the phone for a really long time for everything; and can't use a break or a lunch to handle any banking matters with them. I never get my mail from them--I have had to physically show up in person for the last 3 card replacements. I don't have time, i have to work and they are SO SLOW you can't do anything in under 15 minutes. Car loans with them are messy--you have to know how the process already works and watch them. They claimed they didn't have my insurance info and instead of calling, they sent me a letter that they assessed me $3204 and my car payment went from $343 to $616. Once I was able to understand what was happening and get my insurer to send proof, they refunded me $1700, and the payment is now $453. I get to deal with this during the holiday. I have been a member for a long time and no one even called me. I am on my app daily, no messages. Terrible, awful, greedy snakes. Also, don't make car payment early. I did that on my first payment and they told me I NEVER made a payment and threatened to repossess my car. I want to move but it's hard but maybe I can warn others. STAY AWAY. It's not worth it

2
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Health
B

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #62604
Year Chartered1935
Employees2863
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD10.36%
Annual Interest Income$606.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$28.99B$29.52B
LoansQ2 2023vs Q2 2022$17.65B$15.42B
DepositsQ2 2023vs Q2 2022$25.09B$26.37B
Equity CapitalQ2 2023vs Q2 2022$2.05B$2.12B
Loan Loss AllowanceQ2 2023vs Q2 2022$0$109.6MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$35.6MM$22.8MM
Real Estate OwnedQ2 2023vs Q2 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%--Money Market w/ Member Advantage
2.78%--Business Money Market
2.02%--Money Market

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
4.07%*$500*-6 - 11 Month CD w/ Member Advantage
OTHER TIERS: 4.00% → $50k - $100k
3.87%*$100k*-12 Month Bump CD w/ Member Advantage
OTHER TIERS: 3.80% → $50k - $100k | 3.82% → $500 - $50k
3.61%*$100k*-12 - 17 Month CD w/ Member Advantage
OTHER TIERS: 3.55% → $50k - $100k | 3.56% → $500 - $50k
3.61%*$500*$50k6 - 11 Month CD
OTHER TIERS: 3.55% → $50k+
3.61%*$100k*-18 - 23 Month CD w/ Member Advantage
OTHER TIERS: 3.55% → $50k - $100k | 3.56% → $500 - $50k
3.61%$500-Business 6 - 11 Month CD
3.35%*$50k*-Business 12 Month Bump CD
OTHER TIERS: 3.30% → $500 - $50k
3.30%$500-12 Month Bump CD
3.09%*$50k*-Business 12 - 17 Month CD
OTHER TIERS: 3.04% → $500 - $50k
3.09%*$50k*-Business 18 - 23 Month CD
OTHER TIERS: 3.04% → $500 - $50k
3.05%*$50k*-12 - 17 Month CD
OTHER TIERS: 3.04% → $500 - $50k
3.05%*$50k*-18 - 23 Month CD
OTHER TIERS: 3.04% → $500 - $50k
2.78%*$100k*-24 - 35 Month CD w/ Member Advantage
OTHER TIERS: 2.73% → $500 - $50k | 2.75% → $50k - $100k
2.58%*$100k*-60 Month CD w/ Member Advantage
OTHER TIERS: 2.53% → $500 - $50k | 2.55% → $50k - $100k
2.53%*$100k*-24 Month Bump CD w/ Member Advantage
OTHER TIERS: 2.48% → $500 - $50k | 2.50% → $50k - $100k
2.48%*$100k*-48 - 59 Month CD w/ Member Advantage
OTHER TIERS: 2.43% → $500 - $50k | 2.45% → $50k - $100k
2.38%*$100k*-36 - 47 Month CD w/ Member Advantage
OTHER TIERS: 2.32% → $500 - $50k | 2.35% → $50k - $100k
2.27%*$50k*-Business 24 - 35 Month CD
OTHER TIERS: 2.22% → $500 - $50k
2.25%*$50k*-24 - 35 Month CD
OTHER TIERS: 2.22% → $500 - $50k
2.07%*$100k*-3 - 5 Month CD w/ Member Advantage
OTHER TIERS: 2.02% → $500 - $50k | 2.05% → $50k - $100k
2.07%*$50k*-Business 60 Month CD
OTHER TIERS: 2.02% → $500 - $50k
2.05%*$50k*-60 Month CD
OTHER TIERS: 2.02% → $500 - $50k
2.02%*$50k*-Business 24 Month Bump CD
OTHER TIERS: 1.97% → $500 - $50k
2.00%*$50k*-24 Month Bump CD
OTHER TIERS: 1.97% → $500 - $50k
1.97%*$50k*-Business 48 - 59 Month CD
OTHER TIERS: 1.92% → $500 - $50k
1.95%*$50k*-48 - 59 Month CD
OTHER TIERS: 1.92% → $500 - $50k
1.87%*$50k*-Business 36 - 47 Month CD
OTHER TIERS: 1.81% → $500 - $50k
1.85%*$50k*-36 - 47 Month CD
OTHER TIERS: 1.81% → $500 - $50k
1.56%*$50k*-Business 3 - 5 Month CD
OTHER TIERS: 1.51% → $500 - $50k
1.55%*$50k*-3 - 5 Month CD
OTHER TIERS: 1.51% → $500 - $50k

BECU (Boeing Employees Credit Union) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.87%*$100k*-12 Month Bump IRA Certificate w/ Member Advantage
OTHER TIERS: 3.80% → $50k - $100k | 3.82% → $500 - $50k
3.61%*$100k*-12 Month IRA w/ Member Advantage
OTHER TIERS: 3.55% → $50k - $100k | 3.56% → $500 - $50k
3.61%*$100k*-18 Month IRA Certificate w/ Member Advantage
OTHER TIERS: 3.55% → $50k - $100k | 3.56% → $500 - $50k
3.30%$500-12 Month Bump IRA Certificate
3.05%*$50k*-12 Month IRA
OTHER TIERS: 3.04% → $500 - $50k
3.05%*$50k*-18 Month IRA Certificate
OTHER TIERS: 3.04% → $500 - $50k
2.78%*$100k*-24 Month IRA w/ Member Advantage
OTHER TIERS: 2.73% → $500 - $50k | 2.75% → $50k - $100k
2.58%*$100k*-60 Month IRA Certificate w/ Member Advantage
OTHER TIERS: 2.53% → $500 - $50k | 2.55% → $50k - $100k
2.53%*$100k*-24 Month Bump IRA Certificate w/ Member Advantage
OTHER TIERS: 2.48% → $500 - $50k | 2.50% → $50k - $100k
2.48%*$100k*-48 Month IRA Certificate w/ Member Advantage
OTHER TIERS: 2.43% → $500 - $50k | 2.45% → $50k - $100k
2.38%*$100k*-36 Month IRA Certificate w/ Member Advantage
OTHER TIERS: 2.32% → $500 - $50k | 2.35% → $50k - $100k
2.25%*$50k*-24 Month IRA
OTHER TIERS: 2.22% → $500 - $50k
2.05%*$50k*-60 Month IRA Certificate
OTHER TIERS: 2.02% → $500 - $50k
2.00%*$50k*-24 Month Bump IRA Certificate
OTHER TIERS: 1.97% → $500 - $50k
1.95%*$50k*-48 Month IRA Certificate
OTHER TIERS: 1.92% → $500 - $50k
1.85%*$50k*-36 Month IRA Certificate
OTHER TIERS: 1.81% → $500 - $50k
Locations

Availability

Seattle Area

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