BECU Credit Card Rates and Disclosures

BECU Credit Card Rates and Disclosures, as filed by Boeing Employees' Credit Union, carries a purchase APR of 18.24%–27.24%, no annual fee and a 0% opening rate. The purchase rate sits at roughly the 66th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

The document behind this page is Boeing Employees' Credit Union's filed agreement for BECU Credit Card Rates and Disclosures. The filing runs two pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. A penalty rate is not stated.

Zero percent, and then what

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

Once the introductory period ends the rate becomes 27.24%, which turns a lingering $3,000 balance into approximately $939 of annual interest.

Where the purchase APR sits

Purchases price between 18.24% and 27.24% under this filing. The 9-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 57th percentile of filed purchase rates; the ceiling sits at about the 66th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What a balance actually costs

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $313.

A card priced at the corpus median of 21.99% would charge roughly $246 on that balance. This one charges about $67 more per year.

Per statement cycle that is on the order of $22.63 on $1,000, which is the number that actually shows up on a bill.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The grace period

The filing gives 23 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. With a corpus median of 25 days, this window is narrower than the norm.

When a payment is late

On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.

What the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Taking cash against the card means a cash advance APR of 18.24%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The filing discloses a 18.24% balance transfer rate without an accompanying fee figure.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

Against the rest of Boeing Employees' Credit Union's filings

There are 18 filings from Boeing Employees' Credit Union in this index. Their disclosed purchase rates run from 25.24% to 27.24%, and this one at 27.24% is more expensive than 6 of them.

What is outside the disclosure

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 27.24% on purchases is near enough to typical. The absence of an annual fee means the rate is the only thing that can make this card expensive.