Some people I know would love to join BECU, but they have bad credit, and they are trying to get their credit back on track, but they have a hard time finding services. If BECU could offer some more services to people with low credit scores, I think that would help a lot. Some ideas for products for people with bad credit:
A secured credit card, or bank account.
Micro-loans, like KIVA.ORG
Payday loans that charge a small amount of interest, or maybe a monthly or yearly payment that gives you access to payday loan service at a lower rate.