BECUReviews of becu.org

I have been a member of BECU for over 10 years, but my entire perspective changed after taking out a personal loan and a credit card with them. They claim to be a member-focused, not-for-profit credit union, but their actual practices feel no different than the most predatory banks. The interest rates and fees on their lending products are unbelievably high and were not clearly explained upfront. I have paid over $10,000 toward my personal loan and credit card, yet my balances have barely budged—I still owe almost the exact same amount I started with. When I contacted customer service to ask for a detailed breakdown of why my payments are going entirely toward interest rather than the principal balance, they completely failed to provide me with a clear answer. They told me they would send a detailed PDF, but I found out that the document only shows future payments and projections, not what they have actually collected from me. There was no explanation as to why all my money is going toward interest. I actually heard the exact same thing from another BECU client. I am currently auditing my past statements to calculate exactly how much money they have taken from me, and I will be updating this review with the precise figures. Worse yet, they offer absolutely zero empathy. Instead, they hit me with late fees and pulled money directly from my checking or savings accounts without my explicit permission. To add insult to injury, after taking thousands of dollars from me, they refused a simple request to waive a single $25 late fee. Do not let their wholesome marketing fool you. They claim to care about the community, but their rates and fees tell a completely different story. I am a busy person, but I will definitely be closing my checking and savings accounts before they take any more unauthorized withdrawals. Save yourself the financial disaster and look elsewhere—there are plenty of other financial institutions that actually care about their customers.

Just be aware that the underwriting process is quite slow compared to larger organizations. So if you have an urgent need and are wanting to rate shop, would probably skip out on applying with BECU. Maybe if you get in the process and have a pre approval letter ahead of time before finding the house you want, then the process may be more smooth in your case. Lost out on saving few thousand dollars in closing costs due to slow processing, and having to go with a larger bank.

Careful with these people they will not help you when you really need them. I needed a simple document from them and they denied my request. Also, it was very hard to communicate with their back office, and they took days to respond. BECU is terrible in my experience.

If I were anyone looking for an account to open DON'T open one here. Every time I try to use my account I have to recertify the account and wait for 3 to 5 days to get the verification to go through. Then theres always an issue with withdrawal also. This is the worst bank I have ever used. I would not suggest even an enemy to use this bank. I hardly ever write a review but I am at my wits end with all the crap and drama they do. Nothing but one problem after another. Don't do it ever. This bank is chaos and drama and no one needs this kind of problems.

nightmare platform... i began a car loan with BECU credit union... in April 2025... i sent checks to pay for 2 months and a i get a $20 late fee saying the extra payemnt went to my savings at BECU... i have made 10 calls in 12 months to BECU. each time becuase i was told i didnt pay my bill... I RECOMMONED NEVER TO USE BECU FOR A CAR LOAN...

While applying for a HELOC, BECU used online, outdated, unofficial pictures to determine they cannot continue with the loan. Stating the house does not meet federal loan req. regarding the awning. It was mentioned, documented, sent and received the awning in question has met all standards for FHA & Conventional loans which are federal. Furthermore the awning has been inspected and approved by a WA Engineer with L&I. BECU apparently does not follow equal opportunity banking with their loans.

You might as well go with a big bank as their local friendly schtick isnt backed by action. BECU froze my account due to suspected fraud, no problem. However the only acceptable dicument accepted by the fraud department to reinstate was a physical social security card. Mine was out of state at another home and not readily accessible. So I am left without my primary account, low on cash and needing to fly out of state to get my card. During this time medication prescriptions were denied. The lack of imagination and flexibility is inconsiderate and unacceptable. Surely there is some way to prove I am me some other way. It boggles the mind that I can get multiple jobs, a passport, vote, get loans, be solicited by BECU for loans without showing a social security card but because some drone in fraud prevention asks, I'm out of money with no recourse. This behavior is unacceptable and demostrates that they really aren't that interested in being a community minded anything. Might as well go with a big bank if you are going to get screwed anyway. They can go to hell

The main issue with becu is their leadership and the ceo who actively discriminates against marginalized communities that do not fit their narrative. If you are Jewish, disabled, autistic, Christian, Catholic, or heterosexual, then you do not meet their qualifications for being promoted. Furthermore, you will not be treated with respect, and you will be blamed for the BIPOC communities' oppression. The CEO has informed all staff that the BIPOC community comes before everyone else, even though there are many marginalized people that do not fit into the BIPOC community. This has created a hostile environment for employees and members. In fact, the CEO has made sure the income becu makes goes into the pockets of black owned businesses, even though there are other marginalized communities that could use support too. What does this mean? Becu leadership and CEO are actively discriminating against people, they are using funds for the BIPOC community only, they are committing discrimination by telling employees BIPOC will be given preference for promotions, and committing racism against those who are not BIPOC. My recommendation is for leadership and the CEO to be trained on racism, inclusiveness and belonging, biases, and discrimination and put policies and procedures in place that ensures everyone has an equal chance.