As the parent of a freshman college student, I was disappointed to learn BECU's does not offer a visa option intended to support an 'emerging' credit holder. I suggest BECU initiate a "college student starter card" to maintain the loyalty that may have started with the 'student account' begun with the 'first high school job'. Otherwise, your loyal, but young and lacking a credit history, bankers will be forced to look at the big banks to estabolish their first credit experiences.
In my opinion, the perfect emerging credit holder card looks like:
1) A maximum credit balance of less than $500 (for us, the ideal was $300)
2) Not requiring a parent co-signer. Their learning needs to be autonomous from Mom & Dad.
3) Reward timely payment history with diminishing interest rates over time.
4) Post on-line and on paper statements, what a responsible credit holders behavior 'looks like'.
BECU does a good job educating the community with radio ads, why not take this to children of your loyal account holders, who opened student accounts for their kids and hoped to continue the credit union loyalty into the next generation.