BECU Promotions: Best Offers and Bonuses for 2025
Written by
Cynthia Bowman
Edited by
Melanie Grafil
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Like many financial institutions, BECU occasionally runs promotions that provide cash bonuses to new and existing members. Many banks do this because they want your business, but you can benefit from the free cash by boosting your savings balance or covering an expense.
Current BECU Promotions: September 2025
The BECU promotions included here highlight just some of the ways the credit union helps its members save money and improve their financial health. If you’re interested in earning some extra cash or getting a credit card with a great introductory rate, check out what BECU is offering.
| Account | Bonus Amount | Expiration Date |
|---|---|---|
| Refer a Friend | $100 | Dec. 31, 2025 |
| Home Rewards | Up to 20% of real estate agent’s commission | N/A |
BECU Refer a Friend: $100 Bonus
BECU members and the person they refer can each get $100 when the new member begins using their account.
- Bonus value: $100
- Minimum deposit: $0
- Expiration date: Dec. 31, 2025
- How to claim: Get your referral code from the offer page, include the promo code REFER in your invitation, and have the new member sign up using both codes. They must complete 10 qualifying transactions and keep the account open and in good standing for 90 days. Once complete, you’ll each earn $100.
- When you’ll get it: Within 120 days of the new member completing the requirements
- Terms and conditions: You must be the primary account holder to make a referral. The new member must not have a current membership with BECU or a previous one within the past six months, and they must meet the membership requirements.
- Fees: None
Here’s how to claim your BECU Refer-a-Friend bonus offer.
BECU Home Rewards: Up To 20% of Commission in Cash Back
BECU members can enroll in the Home Rewards program if they’re ready to sell or buy a home. This program pairs members with real estate professionals who guide them through the entire homebuying or selling process.
At closing, members receive up to 20% back of the agent’s commission for the sale. Depending on the size of your home transaction, this perk could add up to a significant amount of cash back.
Here’s how it works:
- Bonus value: Up to 20% of real estate agent’s commission
- Minimum spend to qualify: No minimum spend is specified, but you must buy a home to qualify.
- Expiration date: None
- How to claim: Enroll in BECU Home Rewards. Use the program resources to buy a home.
- When you’ll get it: After the sale closes
- Terms and conditions: To receive the bonus, you must use a real estate agent referred to you by the program. You may not be already under contract to purchase or sell another home.
Claim your BECU Home Rewards bonus offer today.
How To Open a BECU Account
To open a BECU account, you need to join the credit union. Anyone who lives or works in Washington state or select counties in Idaho and Oregon may join. Also, individuals who live in South Carolina and donate at least $1 to the BECU Foundation join the credit union.
Individuals associated with the following organizations are also eligible for membership:
- University of Washington Alumni Association
- Washington State University Alumni Association
- BECU Foundation
- GoWest Foundation
- Sea Hawkers Central Council
- KEXP
You can make an appointment at a local branch or apply for an account online. Here’s what to provide to open an account:
- Social Security number
- Driver’s license, passport, state or military ID
- Contact information, including a street address and phone number
Tips for Maximizing Your BECU Offer
In order to get the most out of BECU’s bonus offers, make sure you follow all the requirements in order to receive them.
Then, if you elect to keep the bonus money in your BECU account, avoid doing anything to incur a fee — such as the non-sufficient funds fee — which can eat away at your bonus.
Thankfully, BECU doesn’t charge monthly service fees, so as long as you don’t overdraw your account, you should be fine.
Are BECU Promotions Worth the Switch?
BECU offers a variety of promotions to fit your financial lifestyle and stacks up to some of the best credit unions in the country. If BECU offers what you need and you meet membership requirements, it may be worth the switch.
You’ll be able to take advantage of BECU bonuses and other programs that can save you money so you reach your financial goals faster. Just don’t make free cash the only factor you use when considering BECU.
If you decide BECU isn’t the right fit, consider other bank bonuses as you explore your options.
FAQs About BECU Promotions and Bonuses
- How long does it take to receive a new account bonus?
- You can expect to receive a BECU bonus in the first 90 to 120 days after you've met all the requirements for the bonus. Don't close your account too early, though, as that could cause you to miss out on that bonus.
- Can existing customers qualify for these promotions?
- Existing BECU customers can qualify for some promotions such as the "Refer a Friend" bonus, but usually not for new account bonuses.
- What happens if I close my account early?
- If you close your account early, you may lose out on the bonus..
- Are there any taxes on bank bonuses?
- Yes, bank bonuses are taxed like interest income. Banks will provide a 1099-INT tax form to individuals who earn $10 or more per year in bonus or interest.
More About BECU
Melanie Grafil, Sarah Sharkey and Julia Gordon contributed to the reporting for this article.
Information on promotions is accurate as of Sept. 2, 2025. Additional requirements may apply. Offers and terms are subject to change.
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.
This article has been updated with additional reporting since its original publication.
