BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – 

CREDIT CARDS 

Boeing Employees’ Credit Union (BECU) is one of the nation’s leading not-for-profit credit unions. We are committed to 
offering better rates, fewer fees and more affordable financial services.  
Learn more at becu.org.  
Rate Schedule Effective August 1, 2020 

INTEREST RATES AND INTEREST CHARGES 

BECU Cash Back Visa® 

Annual Percentage Rate 
(APR) for Purchases 

0.00% Introductory APR for twelve (12) months from date of account opening.  
After that, your APR will be 9.90% to 15.90%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers  0.00% Introductory APR for twelve (12) months from date of transfer when transfers are 

completed within 90 days of account opening.  
After that, your APR will be 9.90% to 15.90%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.    

APR for Cash Advances 

9.90% to 15.90%, based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 23 days after the close of each billing cycle. We will not charge 
you interest on purchases if you pay your entire balance by the due date each month. 

For Credit Card Tips from  
the Consumer Financial  
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card,  
visit the website of the Consumer Financial Protection Bureau at 
www.consumerfinance.gov/learnmore 

FEES 
Annual Fee 

Transaction Fees 
Balance Transfer 
Cash Advance 
Foreign Transaction 

Penalty Fees 
Late Payment 
Returned Payment 

None 

None 
None 
None 

Up to $25 
Up to $25 

How We Will Calculate  
Your Balance 

We use a method called “average daily balance (including new purchases).”  
See your Agreement for more details. 

How We Will Calculate  
Your Rate 

Other Important Credit 
Card Terms and 
Conditions 

SPECIAL NOTICE 

After any applicable introductory rate period ends, we will establish a margin of 6.65% to 
12.65% based on your creditworthiness, and add this margin to the Prime Rate to 
determine your APR. Your APR and margin will be stated in a Credit Voucher provided to 
you if you open a credit card account under your Credit and Security Agreement.  

All terms, including fees and the APRs for new transactions, may change after account 
opening in accordance with the Credit and Security Agreement and applicable law.  

If you pay your credit card balance in full each month, you do not pay interest on your 
purchases. This is called a grace period. Please note that once your 12-month 0% 
introductory purchase APR ends, you will pay interest on any purchases (including 
recurring automatic payments) unless you pay your entire balance (including both 
transferred balances and purchase balances) in full. 

BECU 461 

    Rates and Terms in effect as of August 1, 2020 and are subject to change without notice. 

 
 
 
 
 
 
 
 
 
 
BECU CONSUMER LENDING RATES & RELATED DISCLOSURES –   

CREDIT CARDS 
Rate Schedule Effective August 1, 2020 

INTEREST RATES AND INTEREST CHARGES 

BECU Visa® 

Annual Percentage Rate 
(APR) for Purchases 

0.00% Introductory APR for twelve (12) months from date of account opening.  
After that, your APR will be 6.90% to 12.90%, based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers  0.00% Introductory APR for twelve (12) months from date of transfer when transfers are 

completed within 90 days of account opening.  
After that, your APR will be 6.90% to 12.90%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.    

APR for Cash Advances 

6.90% to 12.90%, based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 23 days after the close of each billing cycle. We will not charge 
you interest on purchases if you pay your entire balance by the due date each month. 

For Credit Card Tips from  
the Consumer Financial  
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card,  
visit the website of the Consumer Financial Protection Bureau at 
www.consumerfinance.gov/learnmore 

FEES 

Annual Fee 

Transaction Fees 
Balance Transfer 
Cash Advance 
Foreign Transaction 

Penalty Fees 
Late Payment 
Returned Payment 

None 

None 
None 
None 

Up to $25 
Up to $25 

How We Will Calculate  
Your Balance 

We use a method called “average daily balance (including new purchases).”  
See your Agreement for more details. 

How We Will Calculate  
Your Rate 

Other Important Credit 
Card Terms and 
Conditions 

SPECIAL NOTICE 

After any applicable introductory rate period ends, we will establish a margin of 3.65% to 
9.65% based on your creditworthiness, and add this margin to the Prime Rate to determine 
your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you 
open a credit card account under your Credit and Security Agreement.  

All terms, including fees and the APRs for new transactions, may change after account 
opening in accordance with the Credit and Security Agreement and applicable law.  

If you pay your credit card balance in full each month, you do not pay interest on your 
purchases. This is called a grace period. Please note that once your 12-month 0% 
introductory purchase APR ends, you will pay interest on any purchases (including 
recurring automatic payments) unless you pay your entire balance (including both 
transferred balances and purchase balances) in full. 

Statement of the Military Annual Percentage Rate (MAPR) 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer 
credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with 
credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other 
than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain 
participation fees for a credit card account). Please call 888-244-1695 for more information.  

BECU 461 

Rates and Terms in effect as of August 1, 2020 and are subject to change without notice.