BECU home loans are offered to help you achieve the goal of owning a new home. The lender provides quality customer service and competitive interest rates. BECU mortgage rates can provide you with a fixed rate or an adjustable rate mortgage. This article will provide you with the most current mortgage information.

BECU Current Mortgage Rates

When getting a mortgage, you want a low rate to help you save money. You can find the current mortgage rates from BECU in the PDF file provided on their website.

Type of Mortgage Rate

Interest Rate APR (Annual Percentage Rate) Estimated Monthly Payment
30-year fixed 4.00% 4.03% $1145.80
20-year fixed 3.87% 3.93% $1438.59
15-year fixed 3.25% 3.24% $1666.41
3/1 ARM 3.12% 3.84% $1028.10
7/1 ARM 3.37% 3.74% $1061.03
10/1 ARM 3.50% 3.73% $1077.71

***Mortgage rates can vary each day, so you need to check the website for the latest information about rates.

Bonus read: BECU Mortgage Account Login

BECU Mortgage Rates Additional Information

BECU allows you to choose from a fixed mortgage rate or an adjustable mortgage rate. A fixed rate is the most popular type of loan. With a fixed rate mortgage, your rate will stay the same throughout the life of the loan, With an adjustable rate mortgage, your rate could go up or down after the initial period depending on the mortgage rate trends.

You also have numerous options when you are choosing how long you want to make payments. 30-year mortgage rates might be a little higher; however, the monthly payment amount will be lower. If you choose 20-year mortgage rates or 15-year mortgage rates, you will pay off the mortgage sooner and save money in interest. However, your payment amount will be more.

BECU offers jumbo mortgage rates if you need a larger loan. You must have excellent credit to qualify for this loan. You can also look at the refinance mortgage rates if you think you can save money by refinancing.

Before you begin searching for a home, make sure you have the money to pay the mortgage each month. You can find their own mortgage calculator on their website to calculate your monthly rate.

Monthly Mortgage Payment Example

Type of Mortgage Rate 30-year fixed rate 20-year fixed rate 15-year fixed rate
Mortgage Amount $240,000 $240,000 $240,000
Interest Rate 4.00% 3.87% 3.25%
APR (Annual Percentage Rate) 4.03% 3.93% 3.24%
Number of Payments 360 240 180
Average Monthly Payment $1145.80 $1438.59 $1666.41
Total Amount of Interest $172,486.82 $105,111.65 $63,552.91
Total Amount Paid $412,486.82 $345,111.65 $303,552.91

***The values in this table are approximate results of our calculations and can vary based on the type of credit you opt for. Please note that these are our examples and not offered by the financial institution.


If you are considering a mortgage with BECU, look at the current BECU mortgage rates to see if they are as low as you need them to be. You can then apply online and get the ball rolling.