Purchase APR
12.74–24.24%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuerNo score≤619
Carrying $3k for a year ≈ $479.70
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70
BECU Traditional Secured Consumer Credit Card
Boeing Employees' Credit Union
Secured cardTop-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
12.74–24.24%
Annual fee
None
0% intro
12 mo
0% transfer
12 mo
Foreign fee
None
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
21.99%
≤619
23.74%
620–719
21.99%
720+
16.24%
Lowest offered12.74%
Median21.99%
Highest offered24.24%
Introductory purchase APR
Promotional window: 12 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
No score
21.99%
≤619
23.74%
620–719
21.99%
720+
16.24%
Lowest offered12.74%
Median—
Highest offered24.24%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$25
Rewards, benefits and features
Rewards
- Other rewards
Services
- Access to Free Credit Scores
- Credit card registration
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
RequirementOther. Please Describe:
Geographic: All counties in Washington State. Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Deschutes, Douglas, Jackson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, and Yamhill counties in Oregon. Benewah, Bonner, Bou
Affiliation: University of Washington Alumni Association (UWAA) member, donor, employee, volunteer or retiree. Washington State University Alumni Association (WSUAA) member, donor, employee, volunteer or retiree. BECU Foundation member, donor, employee, volunteer or r
Phone800-233-2328
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 0.00%$0
You save$600
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 21.99% afterwards.
Cost to carry a balance
Interest for a year at 21.99%$659.70
Annual / periodic fees$0
Total yearly cost$659.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
18 documents filed by Boeing Employees' Credit Union in the 2026 Q1 archive.
- 01-01-2025 Rate Sheet113 KB
- 11-01-2024 Rate Sheet116 KB
- 550-BECU-Credit and Security Agreement352 KB
- 550-BECU-Credit and Security Agreement352 KB
- 6-1-2025 BECU Visa Rate Sheet127 KB
- BECU CC Credit and Security Agreement348 KB
More from this issuer
Purchase APR
16.74–26.24%
Annual fee
None
Foreign fee
None
SecuredTop-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $772.20
Purchase APR
16.74–26.24%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $607.20
Purchase APR
17.49–28.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $659.70