BECU offers 3.04% APY on the first $500 in Member Advantage Checking, with 0.10% APY on balances from $500.01 and up. The premium rate requires opening both a Member Advantage Checking and Member Advantage Savings account and meeting simple qualification requirements.
Eligibility
Available in 3 states
ID, OR, WA
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the BECU Member Advantage Checking rate
- Apply through the offer page to open the Member Advantage Checking.
- Complete the requirement: No minimum, premium rate on first $500.
The fine print that matters
- Member Advantage Checking must be maintained to continue earning the premium rate
- Member Advantage eligibility and benefits subject to change without notice
Verification and reports
Confirmed against becu.org on Aug 2, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: becu.org rate page (checked Aug 2, 2026)
Other BECU offers, so you can compare
BECU Early Saver5.12% APY
No minimum balance, tiered rates
BECU Cash Back Credit Card$200sign-up bonus
Spend $2,000 in purchases within 3 months
BECU Checking and Savings$150sign-up bonus
10+ transactions in 30 days with promo code TRIDENTSUP
BECU Checking and Savings$190sign-up bonus
Open checking/savings, 10 txns in 30 days, keep open 90 days