Boeing Employees' Credit Union Review 2025
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Edited by
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At a glance
Overview
BECU stands out for fee-free banking but underwhelms on deposit rates. This credit union is best suited for residents in the Northwest or South Carolina who are looking for a full-service credit union with minimal fees.
Highlights:
Highly Rated App No Min Balance No Monthly FeesHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Checking rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
As one of the nation's largest credit unions, Boeing Employees’ Credit Union offers a variety of banking products with notably low fees. The credit union's Member Advantage program offers enhanced benefits like ATM fee refunds and rate boosts, though even these higher rates remain below market leaders.
Pros
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There are no monthly service fees or balance requirements.
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Member Advantage accounts pay higher rates on CDs, money markets and IRAs.
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BECU offers nationwide access to more than 30,000 surcharge-free ATMs.
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Members get discounts on local events.
Cons
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Yields are low compared to other top credit unions.
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Nearly all of the credit union’s branches are located within Washington state.
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Boeing Employees' Credit Union banking products
BECU Member Share Savings account
Pros
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Member Advantage Savings provides a premium rate for the first $500.
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There are no monthly service fees and no minimum balance requirement.
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You can get free access to your FICO score and a free ATM card.
Cons
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Standard APYs are less than those of many top credit unions.
Boeing Employees’ certificates of deposit
Pros
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There’s a wide range of terms to choose from.
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Member Advantage checking and savings account holders earn higher yields.
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Only $500 is needed to open a CD — or $100 with the add-to feature.
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There’s an “add-to” option that lets you make additional contributions while maintaining your existing fixed interest rate.
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You can opt for a Bump CD that provides a one-time increase to your rate during the term.
Cons
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Yields are lower than other credit unions, particularly for members without the Member Advantage status.
Boeing Employees’ money market account
Pros
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There are no monthly fees.
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The account comes with free checks and an ATM card.
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Transactions and withdrawals out of the account are unlimited.
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Standard Money Market APYs are higher than the standard Member Share Savings account.
Cons
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Higher money market account rates can be found elsewhere.
Boeing Employees’ Member Advantage checking account
Pros
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You’ll earn a highly competitive interest rate on the first $500 deposited into the account.
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There are no minimum balance requirements or monthly maintenance fees.
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In-network ATM access is abundant — plus Advantage Checking account holders get $3 refunded for out-of-network ATM fees per month.
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The overdraft fee is below average.
Cons
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Balances above $500 earn a nominal interest rate.
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Overdraft charges could add up quickly since BECU may ding you for up to five overdraft and nonsufficient funds fees a day.
How Boeing Employees' Credit Union compares to other banks
Compare different account types offered by Boeing Employees' Credit Union. Annual percentage yields (APYs) shown were updated between July 1, 2025 and July 7, 2025.
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Selected bank
Boeing Employees’ Credit Union savings account
Bankrate score
3.5
Bankrate Savings rating = 3.5/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
Most comparable
Delta Community Credit Union savings account
Bankrate score
3.4
Bankrate Savings rating = 3.4/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
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Bankrate score
Bankrate Savings rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
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APY
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between July 1, 2025 and July 7, 2025.
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| 0.30% | 0.25% | |
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Minimum balance for APY
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| $1.00 | $0.00 | |
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Estimated earnings
Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
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| $150 | $125 | |
| Membership requires opening one of three savings accounts: Member Advantage, Member Share, or Early Saver (for those under 18). The standard Member Share account features no minimum deposit or monthly fees, free FICO score access, and a complimentary ATM card. While the base rate is low, Member Advantage qualification boosts yields significantly on the first $500. To become a member of Boeing Employees Credit Union, you must open one of three savings accounts: Member Advantage, Member Share, or Early Saver (for those under 18). The standard Member Share Savings account features no minimum deposit or monthly fees, free FICO score access, and a complimentary ATM card. The account earns a low interest rate, but members can upgrade to the Member Advantage Savings account and earn a much higher rate on up to $500 of their balance. | Delta Community Credit Union’s Personal Savings account can be opened with only $5, and it has no monthly fee. The yield, however, is below average, and it isn’t as competitive as Delta Community’s CDs. Customers can open supplementary savings accounts dedicated to specific goals, such as saving for a new car. These additional accounts earn the same rate as the primary savings account. While it’s possible to link the savings account to a checking account to cover overdrafts, there’s a $3 fee each time money is transferred from the savings account for such cases. The credit union also offers youth savings accounts for children 12 and under. | |
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APY offering:
0.30%
2/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
Minimum balance for APY:
$1.00
5/5
The lowest deposit amount an account must have before it can earn interest.
Monthly service fee:
$0.00
5/5
A monthly charge a financial institution deducts from an account if certain requirements are not met.
Minimum balance to avoid fee:
$0.00
5/5
The lowest balance an account must maintain in order to avoid a fee.
Access to funds:
Great
5/5
A procedure that allows an individual or organization to access and manage the funds of another account holder.
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APY offering:
0.25%
2/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
Minimum balance for APY:
$0.00
5/5
The lowest deposit amount an account must have before it can earn interest.
Monthly service fee:
$0.00
5/5
A monthly charge a financial institution deducts from an account if certain requirements are not met.
Minimum balance to avoid fee:
$0.00
5/5
The lowest balance an account must maintain in order to avoid a fee.
Access to funds:
Good
4/5
A procedure that allows an individual or organization to access and manage the funds of another account holder.
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Bankrate does not currently track additional product details for this bank.
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Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $10 |
| Non-sufficient funds fee | $10 |
| Account maintenance fees | None |
| Incoming wire transfer fee | None |
Customer experience
Branch and ATM access. BECU provides access to more than 30,000 surcharge-free ATMs nationwide. There are also more than 50 branches in Washington state as well as a Boeing-employee-only location in North Charleston, South Carolina, for in-person banking, and it offers access to shared branches through the CO-OP network.
Customer service. To get in touch with the credit union for customer service, you can make an appointment online to visit a branch location in person. Phone lines are available weekdays 7 a.m. to 7 p.m. PT, and Saturdays 9 a.m. to 1 p.m. PT. It’s also possible to get help by sending a message through the credit union’s mobile app.
Mobile banking features. The BECU mobile app scores well on Google Play and the Apple App Store. Members can take advantage of features like Zelle (a person-to-person payment option), bill pay, account alerts and budgeting tools that allow you to manage external and BECU accounts. You can also add your BECU debit and credit cards to Android Pay, Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay digital wallets.
Discounts. Members get discounts to community events, such as sporting events and local fairs, as well as financial products.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
