BECU Bump CD
BECU Bump CD Unaffiliated


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APY (Annual Percentage Yield) 0.05% - 0.35%
Minimum Opening Deposit Starting at $500
Certificate Term
  • 12 months
  • 2 years

BECU Bump CD Review

BECU Bump CD are offered by Boeing Employees Credit Union (BECU) savings accounts, a credit union founded in 1988 and based in Tukwila, WA. BECU Bump CD are available in 1 state across the USA.

Key Takeaways

  • Only one CD account type available. BECU Bump CD only offers bump up CD accounts.
  • Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 0.35%, which is much higher than the national average for a certificate account.
  • $500 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
  • Limited selection of CD terms. BECU Bump CD only offers two CD terms. This limits your options when trying to set up a certificate ladder.

Pros & Cons of BECU Bump CD

Pros Cons
  • Insured by NCUA.
  • High-dividend yield
  • Only available in one state.
  • Poor selection of certificate terms.
  • There isn't a no-penalty certificate option.
  • Does not offer an IRA CD.


Are CDs from Boeing Employees Credit Union (BECU) federally insured?

Yes, your Boeing Employees Credit Union (BECU) CD accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What types of CDs does Boeing Employees Credit Union (BECU) offer?

BECU Bump CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CD for another term.
  • Bump-up CDs. Bump-up CDs allow you to increase the interest rate you earn on your savings if the going interest rates rise. These CDs are useful in a changing interest rate environment.

What CD rates does Boeing Employees Credit Union (BECU) offer on its CDs?

BECU Bump CD offers an APY starting at 0.05% and ranging up to 0.35%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.

What terms does BECU Bump CD offer?

Boeing Employees Credit Union (BECU) offers CD terms of the following lengths:
BECU Bump CD Rates & Terms
APY (Annual Percentage Yield) 0.05% - 0.35%
12-Month APY 0.05% - 0.35%
2-Year APY 0.05% - 0.35%

What is the minimum deposit to open a CD account with Boeing Employees Credit Union (BECU)?

BECU Bump CD requires a minimum deposit of $500 to open an account.

What is the grace period for BECU Bump CD?

There is a 7-day grace period for BECU Bump CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 7-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does BECU Bump CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

Boeing Employees Credit Union (BECU) does not charge an early withdrawal fee.

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  Available in 1 state
Availabile in all of Washington

Feature Breakdown

Minimum Opening Deposit Starting at $500
APY (Annual Percentage Yield) 0.05% - 0.35%
12-Month APY 0.05% - 0.35%
2-Year APY 0.05% - 0.35%
Certificate Term
  • 12 months
  • 2 years
CD Accounts Bump Up
Grace Period for Account Changes 7 days

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Boeing Employees Credit Union (BECU) CD Accounts