BECU CD Rates and Terms for 2026
Written by
Sarah Sharkey
Edited by
Elizabeth Constantineau, CFHC™
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Boeing Employees’ Credit Union (BECU) is one of the largest credit unions by asset size in the U.S. But its physical footprint is generally limited to Washington, with the exception of two branches in Charleston, South Carolina. Despite its smaller physical footprint, BECU offers a range of certificates of deposit (CDs) worth comparing.
Current BECU CD Rates: February 2026
BECU offers CDs with terms ranging from three months to five years. The table below outlines the rates currently on offer.
| CD Term | Annual Percentage Yield (APY) | Member Advantage APYs |
|---|---|---|
| 3 to 5 months | ||
| 6 to 11 months | ||
| 12 to 17 months | ||
| 18 to 23 months | ||
| 24 to 35 months | to | to |
| 36 to 47 months | to | to |
| 48 to 59 months | to | to |
| 60 months | to | to |
In addition to standard CD options, BECU offers bump CDs. With a bump CD, you have the option to request a one-time boost to your interest rate. It’s a helpful feature if you think interest rates will rise during your loan term.
Below is a breakdown of current BECU CD rates for bump accounts.
| Bump CD Term | Standard APYs | Member Advantage APYs |
|---|---|---|
| 12 month | ||
| 24 month | to | to |
BECU Standard Rate vs. Membership Rate
BECU offers attractive rates for some CD terms. But you’ll lock in a higher rate if you qualify for the Member Advantage rate. In order to get this higher rate, you’ll need to open a BECU Member Advantage Checking and Savings account. From there, savers must sign up for monthly eStatements and make at least one transaction per month.
When shopping for a CD, it’s important to look beyond rates to the fine print. Below is a closer look at the details attached to these CDs:
| Item | Details |
|---|---|
| Minimum deposit | $500 |
| Term lengths | 3 months to 5 years |
| Compounding frequency | Compounded and credited monthly |
| Grace period | 7 calendar days |
| Early withdrawal penalty | -For terms of 12 months or less, the penalty is equal to 30 days of interest. -For terms of more than 12 months, the penalty is equal to 90 days of interest. |
While the minimum deposit requirement is $500 for most CDs, BECU gives you an Add-To option. With this, you’ll be able to open a CD with as little as $100. From there, you can make additional contributions to the savings product without giving up your fixed interest rate.
Advantages and Disadvantages of BECU CDs
Before opening a BECU CD, it’s important to consider the pros and cons.
| Pros | Cons |
|---|---|
| NCUA-insured | Must meet geographic or employment eligibility requirements |
| Competitive interest rates on some CD terms | Minimum deposit of $500 required |
| Physical branches available |
How Do BECU CD Rates Compare?
The average rate on a 12-month CD is 1.61% as of Jan. 20, 2026. Compared to the APY offered for a 12-month CD at BECU, it’s clear they have attractive rates. But it’s worth noting that some other terms come with less appealing APYs.
BECU CD Alternatives
| Bank | Term Length | APY |
|---|---|---|
| Bread Savings | 6 months | |
| Ally Bank | 6 months | |
| Barclays Bank | 6 months |
How To Open a BECU CD
If you decide to open a new CD account, the first step is to become a BECU member. You might be eligible for membership if you meet the following criteria:
- You live, work or go to school in Washington state.
- You live in select counties of Oregon, South Carolina or Idaho.
- You have an affiliation with a BECU partner.
- You are affiliated with Boeing.
If you think you qualify for membership, you can apply online or at a physical branch. Either way, be prepared to provide the following:
- Your Social Security number
- A valid government-issued ID
- Your physical address
- Other contact information
During the application, you’ll choose which type of required savings account you want, which includes a Member Share, Member Advantage or Early Saver option.
Once you are a BECU member, you can apply to open a CD with the term of your choosing.
Additional BECU Products
BECU offers a range of financial products, including loans, mortgages and deposit products. Below is a quick look at the standout deposit products offered by the credit union:
- Members Advantage Checking: The Members Advantage Checking account offers a APY on the first $500 in your account. Beyond that amount, your funds will earn APY. When combined, that’s a pretty attractive opportunity for a checking account. Plus, the account doesn’t come with any monthly fees or minimum balance requirements.
- Members Advantage Savings: The Members Advantage Savings account offers a APY on the first $500 in your account. Beyond that amount, your funds will earn APY. You won’t face any minimum balance requirements or monthly maintenance fees with this account.
Remember that opening a Members Advantage Checking or Savings account will help you unlock higher CD rates with BECU. That could make these accounts attractive if you’re comfortable conducting most of your banking needs with BECU.
Final Take
BECU offers a wide range of CDs, many of which have attractive APYs attached. But in order to get the best rates, you’ll need to open a Members Advantage account and make a transaction at least once a month. If BECU isn’t the right fit for you, then shop around to find the top CD rates for your unique situation.
BECU CD Rates FAQ
Here are the answers to some of the most frequently asked questions regarding BECU CD rates.- What is the minimum deposit for a BECU CD?
- BECU CDs require a minimum opening deposit of $500 to earn the advertised APY.
- Are BECU CDs federally insured?
- Yes. BECU is federally insured by the NCUA, which protects deposits up to $250,000 per depositor, per ownership category.
- What is the early withdrawal penalty on BECU CDs?
- If you withdraw principal before your CD matures, BECU charges an early withdrawal penalty. CDs with terms up to and including 12 months carry a 30-day interest penalty, while terms over 12 months carry a 90-day interest penalty.
- Who can open a BECU CD?
- You must be a BECU member to open a CD. Membership is open to people who live, work, worship or attend school in Washington state, residents of select counties in Oregon, Idaho and South Carolina, certain partner groups like Boeing employees, and eligible family or household members of existing BECU members.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 22, 2026.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
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- FDIC. 2024. "National Rates and Rate Caps."
