BECU used to have great savings and CD rates and low credit card rates. Well, they're still better than a bank but when you compare them to other credit unions (Alaska or Navy Federal for example) you'll find that BECU CD rates are about 1/2 of other credit unions. The interest rate on my BECU Visa is now higher than it was in 2007 when Federal Reserve interest rates were 3% higher than they are now. How often do you see BECU advertising on TV? How often do you see BECU sponsorships? How many brick and mortar satellite offices have they built and staffed in the past 10 years? Those all cost a lot of money and it prevents them from providing you with rates. Don't take my word for it - go to other credit union websites and compare CD rates.