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 Fees

Highlights:

Highly Rated App No Min Balance No Monthly Fees

4.2

Bankrate Score

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

CDs

4.0 /5

Checking

4.8 /5

Savings

3.5 /5

MMA

3.9 /5

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

There are no monthly service fees or balance requirements.
Member Advantage accounts pay higher rates on CDs, money markets and IRAs.
BECU offers nationwide access to more than 30,000 surcharge-free ATMs.
Members get discounts on local events.

Cons

Yields are low compared to other top credit unions.
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

3.5

/5

See methodology Compare savings rates

SCORE BREAKDOWN

APY offering:

0.35%

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:

Great

5/5

A procedure that allows an individual or organization to access and manage the funds of another account holder.

Pros

Member Advantage Savings provides a premium rate for the first $500.
There are no monthly service fees and no minimum balance requirement.
You can get free access to your FICO score and a free ATM card.

Cons

Standard APYs are less than those of many top credit unions.

Boeing Employees’ certificates of deposit

4.0

/5

See methodology Compare CD rates

SCORE BREAKDOWN

APY offering:

2.75%

3/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

Minimum deposit:

$500.00

5/5

The minimum deposit amount a financial institution requires in order to open a CD.

Range of term lengths:

3 mos – 5 yrs

4/5

A designated amount of time that funds must be held within a CD.

Early withdrawal penalty:

Great

5/5

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

Offer no-penalty or bump-up CDs:

Yes

5/5

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

Offer IRA CDs:

Yes

5/5

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

Pros

There’s a wide range of terms to choose from.
Member Advantage checking and savings account holders earn higher yields.
Only $500 is needed to open a CD — or $100 with the add-to feature.
There’s an “add-to” option that lets you make additional contributions while maintaining your existing fixed interest rate.
You can opt for a Bump CD that provides a one-time increase to your rate during the term.

Cons

Yields are lower than other credit unions, particularly for members without the Member Advantage status.

Boeing Employees’ money market account

3.9

/5

See methodology Compare MMA rates

SCORE BREAKDOWN

APY offering:

1.16%

3/5

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 balance an account must maintain in order to 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 amount an account must maintain in order to avoid a fee.

Check writing:

No

3/5

The ability to write a certain amount of checks within a statement cycle.

Debit/ATM access:

Good

4/5

The ability to withdraw funds from an account through the use of debit or ATM card.

Pros

There are no monthly fees.
The account comes with free checks and an ATM card.
Transactions and withdrawals out of the account are unlimited.
Standard Money Market APYs are higher than the standard Member Share Savings account.

Cons

Higher money market account rates can be found elsewhere.

Boeing Employees’ Member Advantage checking account

4.8

/5

See methodology Compare checking rates

Pros

You’ll earn a highly competitive interest rate on the first $500 deposited into the account.
There are no minimum balance requirements or monthly maintenance fees.
In-network ATM access is abundant — plus Advantage Checking account holders get $3 refunded for out-of-network ATM fees per month.
The overdraft fee is below average.

Cons

Balances above $500 earn a nominal interest rate.
Overdraft charges could add up quickly since BECU may ding you for up to five overdraft and nonsufficient funds fees a day.

Compare more: Bankrate's best saving account offers

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 Feb. 14, 2025 and Feb. 20, 2025.

Selected bank Boeing Employees’ Credit Union savings account Member FDIC Bankrate score Rating: 3.5 stars out of 5 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 Member FDIC Bankrate score Rating: 3.4 stars out of 5 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. Read review	Search for or select a bank: 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. Read review
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 Feb. 14, 2025 and Feb. 20, 2025.
0.35%	0.25%
Minimum balance for APY
$0.00	$0.00
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.
$175	$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.

Member Advantage Savings provides a premium rate for the first $500. There are no monthly service fees and no minimum balance requirement. You can get free access to your FICO score and a free ATM card.	Only $5 is needed to open a Personal Savings Account. All balances earn interest. Customers can open additional savings funds for specific goals.	N/A
Standard APYs are less than those of many top credit unions.	Other banks and credit unions offer much higher savings rates. Account holders with combined deposits and loans balances that fall below $60 who make no transactions for six months may incur a $5 a month inactive account or low balance fee. (This fee is $0 for account owners 17 years old or younger.) If funds are transferred from the savings account to cover an overdraft, a $3 fee applies.	N/A

APY offering: 0.35% 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: Great 5/5 A procedure that allows an individual or organization to access and manage the funds of another account holder.	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.	APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. The lowest deposit amount an account must have before it can earn interest. A monthly charge a financial institution deducts from an account if certain requirements are not met. The lowest balance an account must maintain in order to avoid a fee. A procedure that allows an individual or organization to access and manage the funds of another account holder. Bankrate does not currently track additional product details for this bank.

Selected bank Boeing Employees’ Credit Union CD Member FDIC Bankrate score Rating: 4 stars out of 5 4.0 Bankrate CD rating = 4.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.	Most comparable Star One Credit Union CD Member FDIC Bankrate score Rating: 3.5 stars out of 5 3.5 Bankrate CD rating = 3.5/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review
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 Feb. 14, 2025 and Feb. 20, 2025.
2.75%	3.75%
Minimum deposit
$500.00	$2,500.00
Term
1 yr	1 yr

BECU CDs require just $500 to open, with a flexible add-on option that allows members to open a CD for as little as $100 and make automatic monthly deposits (capped at $1,000 monthly). The credit union’s CD lineup includes standard CDs, bump-up CDs (only available at 1- and 2-year terms), and IRA CDs. Higher rates can generally be found elsewhere, though those who have Member Advantage checking and savings accounts can earn additional interest on CDs.	Star One Credit Union offers three certificate terms: six months, one year and two years. Each certificate requires a $2,500 minimum deposit and pays a fairly competitive yield, though higher rates can be found at online banks. Earned interest can be transferred to a Star One checking or savings account, or a check can be mailed to the account holder. The limited term options are ideal for savers looking for a temporary place to keep their cash, but savers with longer-term goals may want to seek out alternatives. Star One doesn't offer any specialty certificates, such as a no-penalty or bump-up account. Early withdrawals are subject to a penalty, which is higher than some other online banks and credit unions. On a six-month share certificate, the penalty is 90 days worth of dividends, and one- and two-year certificates are subject to a penalty of 180 days’ dividends.

There’s a wide range of terms to choose from. Member Advantage checking and savings account holders earn higher yields. Only $500 is needed to open a CD — or $100 with the add-to feature. There’s an “add-to” option that lets you make additional contributions while maintaining your existing fixed interest rate. You can opt for a Bump CD that provides a one-time increase to your rate during the term.	Certificate accounts can be opened online. Earned interest can be mailed or transferred to a Star One checking or savings account.	N/A
Yields are lower than other credit unions, particularly for members without the Member Advantage status.	Only three certificate terms are available. Star One doesn't offer any specialty certificates. Higher rates can be found elsewhere.	N/A

APY offering: 2.75% - 1 yr 3/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. Minimum deposit: $500.00 5/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 3 mos - 5 yrs 4/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Great 5/5 A penalty incurred when funds have been withdrawn from a CD before its maturity date. Offer no-penalty or bump-up CDs: Yes 5/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: Yes 5/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.	APY offering: 3.75% - 1 yr 4/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. Minimum deposit: $2,500.00 3/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 6 mos - 2 yrs 2/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Average 3/5 A penalty incurred when funds have been withdrawn from a CD before its maturity date. Offer no-penalty or bump-up CDs: No 0/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: Yes 5/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.	APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. The minimum deposit amount a financial institution requires in order to open a CD. A designated amount of time that funds must be held within a CD. A penalty incurred when funds have been withdrawn from a CD before its maturity date. A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. An IRA account which consists of CDs that typically earns fixed interest over a specified period of time. Bankrate does not currently track additional product details for this bank.

Selected bank Boeing Employees’ Credit Union money market account Member FDIC Bankrate score Rating: 3.9 stars out of 5 3.9 Bankrate Money Market rating = 3.9/5 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 Randolph-Brooks Federal Credit Union money market account Member FDIC Bankrate score Rating: 3.6 stars out of 5 3.6 Bankrate Money Market rating = 3.6/5 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. Read review	Search for or select a bank: Bankrate score Bankrate Money Market 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. Read review
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 Feb. 14, 2025 and Feb. 20, 2025.
1.16%	1.82%
Minimum balance for APY
$0.00	$2,500.00
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.
$580	$910

Boeing Employees’ Credit Union offers a money market account that earns a slightly higher yield once you meet a certain balance. Customers who qualify for Member Advantage will earn a higher interest rate, but even then, it’s not very competitive.	Randolph-Brooks Federal Credit Union’s Choice Money Market Account is a reversed tiered account, meaning customers earn a lower yield on higher balances. Customers will need at least $2,500 to start earning interest, which is relatively low compared to what you can find by shopping around. Deposits over $25,000 earn a much lower interest rate.

The money market account doesn’t charge a monthly fee. The account is somewhat tiered.	The Choice Money Market Account doesn’t charge a monthly fee.	N/A
Higher yields for lower balances can be found elsewhere.	Higher balances earn lower yields. Customers need $2,500 to start earning interest.	N/A

APY offering: 1.16% 3/5 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. Check writing: No 3/5 The ability to write a certain amount of checks within a statement cycle. Debit/ATM access: Good 4/5 The ability to withdraw funds from an account through the use of debit or ATM card	APY offering: 1.82% 3/5 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: $2,500.00 3/5 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. Check writing: No 3/5 The ability to write a certain amount of checks within a statement cycle. Debit/ATM access: Subpar 2/5 The ability to withdraw funds from an account through the use of debit or ATM card	Bankrate does not currently track additional product details for this bank.

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

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

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.

Boeing Employees' Credit Union Review 2025

The Bankrate promise

At a glance

Overview

Highlights:

Highlights:

Overall

Pros

Cons

We want to know what you think about Boeing Employees' Credit Union

Boeing Employees' Credit Union banking products

BECU Member Share Savings account

Pros

Cons

Boeing Employees’ certificates of deposit

Pros

Cons

Boeing Employees’ money market account

Pros

Cons

Boeing Employees’ Member Advantage checking account

Pros

Cons

How Boeing Employees' Credit Union compares to other banks

Bank fees

Customer experience

Review methodology

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