Purchase APR
12.74–24.24%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
SecuredTop-25 issuerNo score≤619Other
Carrying $3k for a year ≈ $659.70
← All issuers550-BECU-Credit and Security Agreement ↗
Boeing Employees' Credit Union
18 cardholder agreements · 10.4 MB · 4 surveyed cards
A
Fair Terms · grade A (94/100)
1 contract red flag across 18 filed docs · see how every issuer ranks →
Why this grade
- Starting score100
- Penalty APR-6
- Fair Terms score94 · grade A
See the exact wording behind each below.
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Preview:AFair Termsverified by CardSleuth
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Contract X-Ray — what's buried in the fine print
1 red flag · 18 filed docsDetected in the CFPB-filed cardholder agreements from Boeing Employees' Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
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“…d finance charges, and the remainder, if any, to the balance, unless otherwise agreed to by BECU or required by applicable law. 3. Finance Charges a. Penalty Rate. If, on this account or on any account that you have with us, you make any payment that is returned or your total Minimum Periodic Payment is not pai…”
Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest · Change-anytime clause
Priced card products
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
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
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.
01-01-2025 Rate Sheet113 KB11-01-2024 Rate Sheet116 KB550-BECU-Credit and Security Agreement352 KB550-BECU-Credit and Security Agreement352 KB6-1-2025 BECU Visa Rate Sheet127 KBBECU CC Credit and Security Agreement348 KBBECU Credit and Security Agreement466 KBBECU Credit Card Rates and Disclosures116 KBBECU Credit Card Rates and Disclosures116 KBBECU External Visa Rate Sheet 05 01 2024112 KBBECU Rates and Related Disclosures110 KBBECU-Cash Back Schumer table 12.202398 KBBECU-Credit-and-Security-Agreement-02_2024-booklet FINAL348 KBBECU-Credit-and-Security-Agreement-02_2024-booklet FINAL348 KBBECU-traditional rate Schumer table 12.202382 KBCredit and Security Agreement + Rate Sheet_1-1-20266.6 MBCredit and Security Agreement Booklet-10.2023 (1)352 KBCredit and Security Agreement Booklet-10.2023 (1)352 KB