topic Re: BECU & SAFE CU will be combined in 2027 in Personal Finance

BECU & SAFE CU will be combined in 2027

creditfan — Wed, 19 Nov 2025 00:21:33 GMT

Re: BECU & SAFE CU will be combined in 2027

AndySoCal — Wed, 19 Nov 2025 03:58:30 GMT

Thank you for posting this. I was thinking a joining Safe because of their 5 percent revolving catagory(s) credit card. I wonder if this will make through merger. Now I am in a quandary as if I should proceed or not. Safe is very Chex sensitive.

Re: BECU & SAFE CU will be combined in 2027

Vinjints — Wed, 19 Nov 2025 04:04:52 GMT

Assuming they keep the rotator, what are the eligibility requirements for BECU? Geo restricted?

Re: BECU & SAFE CU will be combined in 2027

coldfusion — Wed, 19 Nov 2025 16:46:54 GMT

@Vinjints wrote:
Assuming they keep the rotator, what are the eligibility requirements for BECU? Geo restricted?

Not georestricted (I was approved for membership and CC as a MA resident) but in the past some members here who applied for membership felt the ID requirements for non-local applicants were too rigourous for their tastes. Also worth noting that if someone was self-employed they were quite exacting on what they would accept for POI when applying for credit.

They could be somewhat flexible with what they would accept for documentation for ID or POI if you worked it out with them beforehand but if you unilaterally chose to send what you wanted and not what they asked for in general you would end up being SOL.

That being said, they could be pretty generous with starting limits; their max SL used to be $40K but at one point they gave a wide swath of cardholders an auto-CLI of 25% of their current CL so some of us here got a bump of up to $50K.

Re: BECU & SAFE CU will be combined in 2027

Janneman — Fri, 09 Jan 2026 06:36:12 GMT

@AndySoCal wrote:
Thank you for posting this. I was thinking a joining Safe because of their 5 percent revolving catagory(s) credit card. I wonder if this will make through merger. Now I am in a quandary as if I should proceed or not. Safe is very Chex sensitive.

Have you already joined SAFE fcu? I believe one used to join this union thru joining Aerospace kinda option unless its no more....

Re: BECU & SAFE CU will be combined in 2027

Janneman — Fri, 09 Jan 2026 06:49:44 GMT

I just checked and found the membership fee for Aerospace Museum of California is $85....

Re: BECU & SAFE CU will be combined in 2027

Janneman — Fri, 09 Jan 2026 08:02:00 GMT

I think this CU has disabled joining or opening account online as I tried on two different browers and it did not work in the end when it comes to all the electronic discloures about terms and conditions. They have disabled to Agree & Submit in order to join and open any account...at least that's what happened to me...

Re: BECU & SAFE CU will be combined in 2027

AndySoCal — Sat, 10 Jan 2026 21:52:00 GMT

@Janneman I have not joined Safe Credit Union yet. First reason apply for membership and possibly not being accepted for membership after paying the $85.00 to be ellible to join. Secondly, is after the merger is complete will that card still offered or if I have the card would be transferred to an existing BECU credit card. This card is better than anything that BECU offers today which is 1.5% cash back.

On a related note I want to see what is possible with the new Redstone FCU rewards credit card which I already have. I will know more after the 16th of this month when the conversion is complete. It may or may not fill that niche for a 5% rotating catagory card. Will see.