Credit union · NCUA insured
BECU
A $30B credit union, the 4th largest of 4,329, headquartered in Tukwila, WA, with 1.58 million members and 71 branches in 2 states. Best rates: savings 0.25% APY.
BECU Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#44 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BECU
BECU is a member-owned, not-for-profit financial cooperative founded in 1935.
- Headquarters
- 12770 Gateway Dr S, Tukwila, WA 98168
- NCUA charter
- 62604
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship or attend school in certain geographies.
Employers and groups
- Eligibility is open to individuals who are part of an affiliated organization.
Other ways
- If other eligibility criteria do not apply, BECU may donate to a qualifying association on the applicant's behalf to qualify them for membership.
Cost to join
- Membership is free, and a savings account can be opened in person with no initial deposit.
- Opening an account online requires a minimum share deposit of $10.
Branches
71 branches in 2 states
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Washington
69 branches
Seattle area · 59
- Tukwila Financial CenterMain office12770 Gateway Dr S, Tukwila, WA 98168Directions
- Auburn Neighborhood Financial Center205 10th St NE, Auburn, WA 98002Directions
- Bellevue - Downtown200 Bellevue Way NE STE A-1, Bellevue, WA 98004Directions
- Eastside Financial Center13000 NE 20th St, Suite 100, Bellevue, WA 98005Directions
- Factoria Neighborhood Financial Center3710 Factoria Blvd SE Ste E, Bellevue, WA 98006Directions
- Bonney Lake Neighborhood Financial Center21182 State Route 410 E, Bonney Lake, WA 98391Directions
- Bothell Neighborhood Financial Center18333 Bothell Way NE, Bothell, WA 98011Directions
- Thrashers Corner Neighborhood Financial Center20611 Bothell Everett Hwy, Bothell, WA 98012Directions
- Burien Neighborhood Financial Center508 SW 152nd St, Burien, WA 98166Directions
- Covington Neighborhood Financial Center17307 SE 272nd St Ste 110, Covington, WA 98042Directions
- Everett Boeing Plant - BLDG 40-223003 W Casino Rd, Everett, WA 98204Directions
- Everett Boeing Plant - BLDG 40-923003 W Casino Rd, Everett, WA 98204Directions
- Everett Financial Center11127 Evergreen Way, Everett, WA 98204Directions
- Seattle Hill Road Neighborhood Financial Center5006 132nd ST SE, Everett, WA 98208Directions
- Federal Way - Crossings35105 Enchanted Pkwy S, Federal Way, WA 98003Directions
- Federal Way Pavilions Neighborhood Financial Center31411 Pacific Hwy S, Federal Way, WA 98003Directions
- Gig Harbor Neighborhood Financial Center4784 Borgen Blvd Ste A, Gig Harbor, WA 98332Directions
- Issaquah Neighborhood Financial Center735 NW Gilman Blvd, Issaquah, WA 98027Directions
- Kent Neighborhood Financial Center321 Ramsay Way, Kent, WA 98032Directions
- Redondo - Fred Meyer25250 Pacific Hwy S, Kent, WA 98032Directions
- Kirkland Central NFC230 Main St, Kirkland, WA 98033Directions
- Kirkland/Totem Lake Neighborhood Financial Center11416 NE 124th St, Kirkland, WA 98034Directions
- Lake Stevens Neighborhood Financial Center303 91st Ave NE, Lake Stevens, WA 98258Directions
- Lakewood NFC10011 Bridgeport Way SW Ste 700, Lakewood, WA 98499Directions
- Lynnwood Neighborhood Financial Center19220 Alderwood Mall Pkwy, Lynnwood, WA 98036Directions
- Maple Valley Neighborhood Financial Center26710 Maple Valley Black Diamond Rd SE, Maple Valley, WA 98038Directions
- Marysville Neighborhood Financial Center1262 State Ave Ste C, Marysville, WA 98270Directions
- Smokey Point NFC2701 171st PL NE Ste 201, Marysville, WA 98271Directions
- Mill Creek Neighborhood Financial Center16310 Bothell Everett Hwy Ste F, Mill Creek, WA 98012Directions
- Monroe Neighborhood Financial Center19145 Tjerne Pl SE Ste 145, Monroe, WA 98272Directions
- Newcastle NFC13131 Newcastle Commons DR, Newcastle, WA 98059Directions
- Puyallup Neighborhood Financial Center17528 Meridian E Ste 200, Puyallup, WA 98375Directions
- Puyallup-South Hill Neighborhood Financial Center3803 S Meridian, Puyallup, WA 98373Directions
- Redmond Neighborhood Financial Center16325 Cleveland St, Redmond, WA 98052Directions
- Renton - Boeing Plant800 N 6th St, Renton, WA 98057Directions
- Renton Benson Neighborhood Financial Center17615 108th Ave SE Ste C, Renton, WA 98055Directions
- Renton Landing Neighborhood Financial Center1002 Park Ave N, Renton, WA 98057Directions
- Sammamish NFC22820 NE 8th St, Suite 101, Sammamish, WA 98074Directions
- 2nd and Pine1527 2nd Ave, Seattle, WA 98101Directions
- Ballard Square Neighborhood Financial Center2232 NW Market St, Seattle, WA 98107Directions
- Columbia City NFC4712 Rainier Ave S, Seattle, WA 98118Directions
- Downtown Seattle Financial Center1512 6th AVE, Seattle, WA 98101Directions
- Greenwood Neighborhood Financial Center101 NW 85th St, Seattle, WA 98117Directions
- Lake City Neighborhood Financial Center12513 Lake City Way NE, Seattle, WA 98125Directions
- Northgate Neighborhood Financial Center551 NE Northgate Way Ste B, Seattle, WA 98125Directions
- Queen Anne Neighborhood Financial Center29 W Mercer St, Seattle, WA 98119Directions
- Ravenna Neighborhood Financial Center5105 25th Ave NE, Seattle, WA 98105Directions
- Seattle-Broadway Market Neighborhood Financial Center401 Broadway E Ste 125, Seattle, WA 98102Directions
- South Lake Union NFC114 Westlake Ave N, Seattle, WA 98109Directions
- Wallingford Neighborhood Financial Center4319 Stone Way N, Seattle, WA 98103Directions
- West Seattle Neighborhood Financial Center4755 Fauntleroy Way SW, Seattle, WA 98116Directions
- White Center NFC1505 SW 107th St, Seattle, WA 98146Directions
- Ballinger NFC20011 Ballinger Way NE, Shoreline, WA 98155Directions
- Shoreline Neighborhood Financial Center18336 Aurora Ave N Ste 109, Shoreline, WA 98133Directions
- Stanwood NFC9128 Viking Way Ste D, Stanwood, WA 98292Directions
- Pierce County Financial Center3408 S 23rd St, Tacoma, WA 98405Directions
- Tacoma Narrows Neighborhood Financial Center5985 6th Ave, Tacoma, WA 98406Directions
- University Place Neighborhood Financial Center3929 Bridgeport Way W, University Place, WA 98466Directions
- Woodinville Neighborhood Financial Center17705 140th Ave NE, Woodinville, WA 98072Directions
Spokane area · 5
- Spokane Division916 N Division St, Spokane, WA 99202Directions
- Spokane North Neighborhood Financial Center9420 N Newport Hwy, Spokane, WA 99218Directions
- Spokane South Hill NFC2501 E 29th Ave, Spokane, WA 99223Directions
- Spokane Home Loan Center12111 E Mission Ave, Suite A, Spokane Valley, WA 99206Directions
- Spokane Valley615 N Sullivan Rd, Suite D, Spokane Valley, WA 99037Directions
Bremerton area · 2
- Bainbridge Island NFC275 High School Rd NE Ste C5, Bainbridge Island, WA 98110Directions
- Silverdale Neighborhood Financial Center9995 Silverdale Way NW, Silverdale, WA 98383Directions
Bellingham area · 1
- Bellingham Lakeway NFC1066 Lakeway Dr, Bellingham, WA 98229Directions
Mount Vernon area · 1
- Burlington Neighborhood Financial Center1753 S Burlington Blvd, Burlington, WA 98233Directions
Olympia area · 1
- Hawks Prairie Neighborhood Financial Center1320 Marvin Rd NE STE C, Lacey, WA 98516Directions
South Carolina
2 branches
- South Carolina Boeing Plan - HUB5400 International BLVD, Charleston, SC 29418Directions
- South Carolina Boeing Plan - Welcome Center5400 International BLVD, Charleston, SC 29418Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.57% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.42% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.58% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $79 | $88 | — |
- CapitalNet worth ratio12.57%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.42%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.58%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$79Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of BECU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.