All Blue branches will be closed on Monday, September 7, 2026, in observance of the Federal Holiday. Access your account anytime by using the mobile app or logging into Online Banking.

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SAVINGS

Additional Savings Accounts

Savings solutions designed for every stage of life, every goal, and every way you save.

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Choose what fits your needs.

Purpose-driven savings accounts designed for every goal and stage of life.

SAVINGS

Christmas Club Savings 1

Plan now. Enjoy the season later. 

The holidays are easier to enjoy when you have a plan. Christmas Club Savings helps you set aside money throughout the year in a dedicated account, with automatic payout in October and 1.25% APY on balances up to $5,000. 

  • Build your holiday fund over time  
  • Keep seasonal spending separate  
  • Earn dividends on qualifying balances  
  • Feel more prepared when the holidays arrive 

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SAVINGS

Vista Dividend Savings 2

A smarter place for your Blue dividends 

When you’re ready to make your dividends work a little harder, Vista Dividend Savings can help. This account offers Blue’s best dividend rate, with funds available without penalty and annual maturity on January 1. 

  • Earn Prime + 1.00% on qualifying balances  
  • Move funds from eligible Blue accounts  
  • Access funds without penalty  
  • Schedule an appointment to open  
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SAVINGS

Smart Cents Savings

Turn everyday purchases into everyday progress 

Saving doesn’t have to start with a big deposit. With Smart Cents, your Blue Debit Card purchases are rounded up to the nearest dollar, and the extra change is automatically moved into savings at the end of each day. 

Little by little, those roundups can help you build momentum. 

  • Save automatically as you spend  
  • Build your savings one roundup at a time  
  • Works with any Blue checking account  
  • Available at no additional cost 


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Choose what fits your needs

Choose from savings options built to support your goals, priorities, and the way you save.

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Vista Dividends Savings
Rates up to 7.75
% APY*
Christmas Club Savings
Rates currently 1.25
% APY*
IRA Savings
Rates up to 0.40
% APY*
Health Savings Account
Rates up to 0.05
% APY*
Membership Share
Rates currently 0.05
% APY*

Calculate your Savings

Use our savings calculators to estimate growth and plan for what’s next

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Looking for another way to grow your savings?

Term shares are an excellent and low-risk way to invest your money and earn more with our competitive deposit rates. Learn more about our term share rates using the link below.

View Terms Shares

Limited Time Offer

Sky High Rate Locker Promotion currently 2.25% APY 3 *

Launch your savings with our exclusive, limited-time, Sky High Savings currently 2.25% APY 3 6-month rate lock with an Elite Level NOVA Perks™ Checking Account.

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2 1 4

All rates effective as of:

Rates may be subject to change without notice.

Terms & Disclosures

  1. *Annual Percentage Yield. Minimum daily balance of $25.00 required to earn dividends. Rate changes once balance exceeds $5,000. Balances automatically pay out in October each year. Dividends compounded daily and paid quarterly. Penalty may be imposed for early withdrawal. Limit one per social security number.
  2. Vista High Yield Savings cannot be opened online.  Must be opened in branch or through the Blue FCU Call Center. Limit one per SSN. No minimum balance required to open. Vista Savings account cannot be deposited into and only accepts dividend transfers from all deposit and checking accounts except Term Shares. Funds are available for use at any time without penalty. Vista High Yield Savings matures on the first of every calendar year.  All funds within the share will be transferred to the Membership Share Savings Account on January 1st.
  3. Sky High Savings Rate Lock Disclosure * Annual Percentage Yield. No minimum balance required to obtain disclosed APY. Locked rate is effective for six (6) months following member request. Rate applies to the full balance of the share. Consecutive rate lock periods will be granted if requested prior to the lock expiration at the currently offered rate, if available. If no request is received, the rate will be changed to the current base rate at the end of the lock period. Must have an active Elite Checking to qualify. If Elite Checking is transitioned to any other checking product or is closed, rate will be changed to the current base rate. No limit on deposits or withdrawals. Offer subject to change at any time without advance notice. All other account terms and conditions apply. See your Member Service Agreement for more details.
  4. A Membership Share Savings account with a minimum $5 deposit is required to establish and maintain membership with Blue Federal Credit Union. Membership eligibility requirements apply. The Membership Share Savings account provides access to Blue’s products and services, including checking accounts, loans, credit cards, and digital banking services. Fees, terms, and conditions may apply. Refer to the account agreement and rate disclosures for complete details.
*Annual Percentage Yield (APY) **Annual Percentage Rate (APR) Rates subject to change at any time.