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Rewards Rates

Turn spending into saving!

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Higher rates on deposits Lower rates on loans
  1. Overview


To qualify for a Rewards Rate, you must have two of the following relationships:

  • Direct Deposit of at least $500 per month into a checking account at the BCU
  • At least $25,000 on deposit
  • A qualifying loan in good standing that includes: Mortgage, Home Equity, Auto and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any BCU loan that is not in good standing or delinquent will disqualify you for Rewards Rates.


Rewards Rates let you earn more on your deposits. Each of our Rewards Rate Certificates has a higher APY than our regular Certificates.


Our Auto Loan rate pricing shows the lowest rates available, which include:

  • Selection of an automated payment method, and
  • An additional 0.50% discount for having a qualifying Rewards Rates relationship.

All rates are subject to change, credit certification and approval. The stated rates are the lowest available and your rate may be higher.

Discount does not apply to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit.