Credit union · NCUA insured
BECU Savings Rates
BECU’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How BECU’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where BECU has the most branches. $10,000, best rate first.
This credit union’s best
BECU
2.02%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $202
Money Market with Member Advantage
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
BECU savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified2.02%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BECU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Member Advantage Savings
5.12%APY
Earn higher rate on the first $500 when qualifying for Member Advantage (sign up for monthly eStatements and make at least one monthly transaction using electronic services: Debit Mastercard, Online/telephone banking, or direct deposit). Limit one Member Advantage Checking and Saving account per person. Business and fiduciary accounts are not eligible.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Rate applies to the first $500. $0 opening deposit in person, $10 minimum deposit if opened online. No monthly maintenance fees.Up to $500 | 5.12% | — | Rate applies to the first $500. $0 opening deposit in person, $10 minimum deposit if opened online. No monthly maintenance fees. |
Sources (3)
- becu.org/everyday-banking/member-advantage
- becu.org/rates/deposit-rates
- becu.org/everyday-banking/savings
All captured Oct 4, 2026
Money Market with Member Advantage
2.02%APY
To open a Money Market Account, you must establish and maintain membership by opening a Member Advantage Savings Account or Member Share Savings Account. Requires meeting Member Advantage relationship requirements to receive Member Advantage rates. No minimum balance required to open or maintain the account; no monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Rate applies to entire balance. Requires Member Advantage. | 0.35% | — | Rate applies to entire balance. Requires Member Advantage. |
| $10,000 – $25,000Rate applies to entire balance. Requires Member Advantage. | 2.02% | $202 | Rate applies to entire balance. Requires Member Advantage. |
| $25,000 – $50,000Rate applies to entire balance. Requires Member Advantage. | 2.32% | — | Rate applies to entire balance. Requires Member Advantage. |
| $50,000 – $100,000Rate applies to entire balance. Requires Member Advantage. | 2.38% | — | Rate applies to entire balance. Requires Member Advantage. |
| $100,000 – $250,000Rate applies to entire balance. Requires Member Advantage. | 2.48% | — | Rate applies to entire balance. Requires Member Advantage. |
| $250,000 – $500,000Rate applies to entire balance. Requires Member Advantage. | 2.58% | — | Rate applies to entire balance. Requires Member Advantage. |
| $500,000 and upRate applies to entire balance. Requires Member Advantage. | 2.73% | — | Rate applies to entire balance. Requires Member Advantage. |
Sources (1)
- becu.org/everyday-banking/money-market · captured Oct 22, 2026
Money Market
0.25%APY
To open a Money Market Account, you must establish and maintain membership by opening a Member Advantage Savings Account or Member Share Savings Account. No minimum balance required to open or maintain the account; no monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Rate applies to entire balance. | 0.25% | — | Rate applies to entire balance. |
| $10,000 – $25,000Rate applies to entire balance. | 0.25% | $25 | Rate applies to entire balance. |
| $25,000 – $50,000Rate applies to entire balance. | 0.25% | — | Rate applies to entire balance. |
| $50,000 – $100,000Rate applies to entire balance. | 0.25% | — | Rate applies to entire balance. |
| $100,000 – $250,000Rate applies to entire balance. | 0.25% | — | Rate applies to entire balance. |
| $250,000 – $500,000Rate applies to entire balance. | 0.25% | — | Rate applies to entire balance. |
| $500,000 and upRate applies to entire balance. | 0.25% | — | Rate applies to entire balance. |
Sources (1)
- becu.org/everyday-banking/money-market · captured Oct 22, 2026
Member Share and Savings
0.20%APY
Standard core membership savings account that establishes credit union membership. No maintenance fees, no minimum balance requirements, and no qualifying conditions required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$0 opening deposit in person, $10 minimum deposit if opened online. No monthly maintenance fees or minimum balance requirements.Any balance | 0.20% | $20 | $0 opening deposit in person, $10 minimum deposit if opened online. No monthly maintenance fees or minimum balance requirements. |
Special-purpose accounts
Early Saver
0.20%APY
Designed for members under age 18. Must be co-owned between one child under 18 and one adult parent or legal guardian. Limit one Early Saver Account per person. Automatically converts at age 18 to Member Share Savings or Member Advantage Savings depending on qualifications.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Premium rate on the first $500 deposited. $0 minimum deposit in person ($10 if online). $0 monthly maintenance fee. | 5.12% | — | Premium rate on the first $500 deposited. $0 minimum deposit in person ($10 if online). $0 monthly maintenance fee. |
| Over $500Applies to balance of $500.01 and above. $0 minimum deposit in person ($10 if online). $0 monthly maintenance fee. | 0.20% | $20 | Applies to balance of $500.01 and above. $0 minimum deposit in person ($10 if online). $0 monthly maintenance fee. |
Sources (3)
- becu.org/rates/deposit-rates
- becu.org/everyday-banking/savings
- becu.org/everyday-banking/youth-banking
All captured Oct 4, 2026
Who can join BECU
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.
Membership information collected October 4, 2026.