BECU CD Rates and Details for 2026

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If you’re looking for a safe place to park cash with a predictable return, certificate of deposit (CD) accounts at Boeing Employees’ Credit Union (BECU) are worth a look — especially if you live in the Pacific Northwest.

BECU is a member-owned credit union headquartered in Tukwila, Washington, and it’s grown to about 1.5 million members and roughly $29 billion in assets, making it the largest credit union in Washington and one of the biggest in the U.S.

Here’s a closer look at BECU CD rates heading into 2026, how they work and how they compare with top CD offers.

Note: CD rates can change at any time. Always confirm current APYs on BECU’s website before you open an account.

Current BECU CD Rates: Early 2026

BECU offers a small but focused lineup of consumer CDs, with higher “Member Advantage” rates for eligible members and slightly lower standard rates for everyone else.

Rates below are effective as of Dec. 10, 2025, and represent what members see going into 2026.

BECU Standard CD Rates

BECU Member Advantage CD Rates

If you qualify for BECU’s Member Advantage program, you can earn higher CD rates on the same terms.

BECU IRA CD (Member Advantage) Highlight

BECU also offers IRA CDs with Member Advantage rates:

All of these APYs require at least $500 to open.

For context, the national average 12-month CD APY is about 1.64% as of November 2025, while top 1-year CDs reach up to around 4.25% APY at some online banks and credit unions.

That means:

• BECU’s 2.45% Member Advantage 12-17 month CD beats the national average
• But it trails the very best CD rates you can find nationwide

BECU CD Features and Terms

Before you open a BECU CD, it helps to understand how these accounts work.

Key Features

Because the rate is fixed, a BECU CD can be useful if you want steady, predictable growth without worrying about market swings.

Pros and Cons of BECU CDs

How Much Can You Earn With a BECU CD?

Your actual earnings depend on how much you deposit, which term you choose and whether you qualify for Member Advantage.

Here’s an example of what your interest might look like on a $5,000 deposit:

Estimated Earnings on $5,000

*Estimates assume interest compounds according to the APY and remain in the CD until maturity. Actual earnings depend on BECU’s compounding method and the exact term length you choose.

To test different amounts and terms, plug BECU’s rates into a CD or savings calculator and compare them with other banks or credit unions.

Who Can Join BECU?

Unlike a national bank, BECU is a credit union, so you’ll need to meet membership eligibility rules before opening a CD.

You may qualify if you:

• Live, work, worship or attend school in Washington state
• Live in select counties in Oregon or Idaho
• Live in certain parts of South Carolina
• Are affiliated with partner organizations, including Boeing and some associations
• Are an immediate family member or household member of an eligible BECU member

You’ll need to open a membership (usually through a savings account) before you can fund a CD.

How To Open a BECU CD

Opening a CD with BECU is pretty straightforward once you’re a member.

1. Confirm your membership eligibility
   Check BECU’s membership page or application to make sure you qualify by location or affiliation.
2. Open a BECU membership account
   You’ll typically start with a savings (share) account to establish membership.
3. Choose your CD term and type
   Decide whether you want a 12 to 17-month or 36 to 47-month CD and whether you qualify for Member Advantage, which offers higher APYs.
4. Gather your information
   Have a government-issued ID, Social Security number, address and funding account details ready.
5. Apply online or at a branch
   • Open your CD through BECU’s online banking site
   • Or visit a financial center in BECU’s service area
6. Fund your CD
   Transfer at least $500 from a BECU account or an external bank account.
7. Set a maturity reminder
   BECU CDs automatically renew, and there’s a 7-day grace period after maturity to change your term or withdraw without penalty.

How BECU CD Rates Compare To Other Options

BECU’s CD rates land in the middle of the pack:

• National average 12-month CD: about 1.64% APY as of November 2025
• BECU 12 to 17 month Member Advantage CD: 2.45% APY, above average but below top-tier offers BECU
• Top 1-year CDs nationwide: around 4% to 4.27% APY at select online banks and credit unions

And if you want flexibility instead of a fixed term, high-yield savings accounts can be competitive too:

• Recent data shows no-fee high-yield savings accounts paying up to about 4.35% APY as of December 2025, although these rates are variable and can move with the market.

So BECU CDs may be most appealing if:

• You already bank with BECU
• You want a simple, local option with steady rates
• You prefer working with a member-owned cooperative instead of a big national bank

If you’re rate-shopping purely for the highest possible APY, you’ll probably want to compare BECU with online banks and other credit unions before locking in.

Is a BECU CD Right for You?

A BECU CD could make sense if you:

• Live in BECU’s footprint and can qualify for membership
• Want moderately competitive fixed rates without chasing every new top offer
• Have at least $500 to set aside for a specific time frame
• Are comfortable with limited-term options but value the credit union model

You might want to look elsewhere if you:

• Want the absolute highest CD rates available nationwide
• Don’t qualify for BECU membership or prefer a bank that serves all 50 states
• Need more term choices, like 6-month, 2-year or 5-year CDs with stronger APYs
• Want full liquidity from a high-yield savings account instead of locking up funds

Final Take to GO: How To Use BECU CDs Smartly in 2026

BECU CDs give members a steady, low-risk way to grow savings with better-than-average rates, especially if you qualify for Member Advantage. They won’t usually beat the very top online CDs, but they can still play a useful role in a conservative savings plan.

To use BECU CDs strategically:

• Target the 12 to 17 month Member Advantage CD if you qualify, since it offers BECU’s strongest combination of term length and yield
• Consider pairing a BECU CD with a high-yield savings account or an outside CD that offers a higher APY, so part of your cash stays flexible while part is locked in
• Always mark your calendar before maturity, so you can decide whether to renew, switch terms or move your money without an early withdrawal penalty

If you value membership benefits, local presence and straightforward products, BECU CDs can be a solid building block in your 2026 savings strategy.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 1, 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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