{"slug":"becu-member-advantage-checking-rate","category":"bank","institutionSlug":"becu","product":"Member Advantage Checking","title":"BECU Member Advantage Checking: 3.04% APY","bonus":"3.04% APY","unit":"cash","amount":0,"reqShort":"No minimum, premium rate on first $500","expiresOn":null,"status":"live","verifiedOn":"2026-08-02","reports":0,"openIssues":0,"states":["ID","OR","WA"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"becu.org","applyUrl":"https://www.becu.org/everyday-banking/Checking","summary":"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.","reqSteps":[],"finePrint":["Member Advantage Checking must be maintained to continue earning the premium rate","Member Advantage eligibility and benefits subject to change without notice"],"apy":304,"apyTerm":"ongoing APY","listedOn":"2026-08-02","listedAt":"2026-08-02T13:17:10.457Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"becu.org rate page","url":"https://www.becu.org/everyday-banking/Checking","checkedOn":"2026-08-02"}],"needsVerification":false}