# BECU Member Advantage Checking: 3.04% APY

Canonical: https://dealaka.com/offers/becu-member-advantage-checking-rate

- Status: Limited reports
- Bonus: 3.04% APY
- APY: 3.04% (ongoing APY)
- Requirement: No minimum, premium rate on first $500
- Expires: no published end date
- Availability: ID, OR, WA (ID, OR, WA)
- Institution: BECU
- Verified: Aug 2, 2026 against becu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Member Advantage Checking.
2. Complete the requirement: No minimum, premium rate on first $500.

## 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

## Sources
- becu.org rate page <https://www.becu.org/everyday-banking/Checking> (checked Aug 2, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._