Find the Right Savings Account for You
No two savings goals look exactly the same. That’s why Blue offers a range of savings account options for different stages of life, different priorities, and different ways to save.
Whether you’re looking for a Wyoming savings account, a Colorado savings account, a high-yield savings option, or a simple starter savings account with your local credit union, you can find the right fit here.
Up to
5.00%
APY*
Accelerated Savings
*Annual Percentage Yield. **Annual Percentage Rate. Rates subject to change at any time.
View Our Savings Accounts
Accelerated Savings
A high-yield savings account built to help you start strong
If you want to grow your balance faster while keeping easy access to your money, Accelerated Savings is a strong place to begin. This account earns a high APY on balances up to $1,000, with tiered rates for higher balances and no required monthly transfers to earn dividends. Blue’s current page highlights 5.00% APY on balances up to $1,000, tiered rates beyond that, no minimum deposit to open, and no minimum balance to earn dividends.
Why members choose it:
- High-yield savings potential for everyday savers
- Easy access to funds when you need them
- No monthly transfer requirement
- Great for savings goals, emergency funds, or short-term planning
*Annual Percentage Yield. Dividends compounded daily and paid monthly. Limit one per social security number.
Sky High Savings
A flexible online savings option with room to grow
Sky High Savings is designed for members who want a simple savings account they can open quickly through online banking. Blue’s current page notes that members may earn 0.30% APY on balances, and also promotes a limited-time 6-month locked rate tied to an Elite Level NOVA Perks™ Checking Account. mart fit for members who want to pair savings with convenient online banking and mobile access.
Why members choose it:
- Simple online account opening
- No minimum balance required to open
- No max, save and earn as much as you want
- Easy digital access through Blue Digital
- A convenient option for ongoing personal savings
Get a 2.25% 6-Month Rate Lock with an Elite Level NOVA Perks™ Checking Account.
Open a Sky High Savings through online banking in only a few minutes and you could earn 0.30% APY* on your balance.
Sky High Savings Disclosure
*Annual Percentage Yield. Subject to change without notice. Dividends compounded monthly. No minimum balance required to open.
Christmas Club Savings
Save throughout the year for the season ahead
Christmas Club Savings helps you set money aside little by little, so the holidays feel more manageable when they arrive. Blue’s current page describes this account as a way to save all year for a lump-sum withdrawal before the holidays, with 1.25% APY on balances up to $5,000 and automatic payout in October. n for families who want a dedicated holiday savings account without dipping into everyday spending.
Why members choose it:
- Save steadily across the year
- Dedicated account for holiday expenses
- Competitive dividend earnings on qualifying balances
- A helpful way to plan ahead with intention
Set up your Christmas Club account today by visiting any of our conveniently located branches or give us a call anytime.
Christmas Club
*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.
Certificates and Term Shares
Looking for another way to grow your savings?
Certificates and Term Shares are a low-risk savings option. The longer the term, the better the rate. Your money is also Insured by the NCUA, giving you even more peace of mind. To learn more, stop by your local branch or give us a call 1-800-368-9328.
Regular Term Shares and IRAs
- $1,000 minimum opening balance
- Various term options
30-month Expandable Term Share
- $500 minimum opening balance
A Term Share is similar to a Certificate of Deposit, or CD at other financial institutions.
Term Share, Bump-Up and IRA
*Annual Percentage Yield. Dividends compounded and paid monthly. Additional deposits only permitted on the 30-month expandable term share account and all IRA term shares. 30-Month Expandable Term Share and Bump Up Certificate shares are not eligible for IRAs. 36-month Bump-up Term Share eligible for one “Bump-Up”, 60-month Bump-Up Term Share eligible for two “Bump-Ups”. IRA maintenance fees apply. We may impose a penalty if you withdraw any of the principal of the Term Share account before the maturity date. If the term of the account is one year or less the penalty will equal 90 days’ dividends on the amount withdrawn. If the term of the account is more than one year and less than three years, the penalty will equal 180 days’ dividends on the amount withdrawn. If the term of the account is three years or more, the penalty will equal 360 days’ dividends on the amount withdrawn.
Individual Retirement Accounts
Save for retirement with flexible IRA account options
Blue also offers IRA Savings and IRA Term Share options for members planning ahead for retirement.
Tiered IRA Savings
- No minimum opening balance
- No setup fee
- No fee for incoming transfers or rollovers from an IRA or 401(k)
- Direct Transfer – Unlimited direct transfers, which move IRA funds from one IRA to another, requires no IRS reporting.
If you have a 401(k) from a previous employer or are retiring, there is generally a deadline to rollover the funds in order to keep its tax-deferred status. Please consult your financial advisor on your maximum annual contributions.(IRAs) will grow over time with compounding interest. These accounts can come with certain tax benefits so be sure to consult your tax advisor when opening an IRA account.
Individual Retirement Account (IRA)
Additional deposits permitted on all IRA term shares. We may impose a penalty if you withdraw any of the principal of the Term Share account before the maturity date. Required Minimum Distributions (RMDs) will not incur a penalty. If the term of the account is one year or less the penalty will equal 90 days’ dividends on the amount withdrawn. If the term of the account is more than one year and less than three years, the penalty will equal 180 days’ dividends on the amount withdrawn. If the term of the account is three years or more, the penalty will equal 360 days’ dividends on the amount withdrawn. See IRA Term Share rates below.
Additional Savings
Membership Share Savings
The savings account that starts your membership with Blue
Your first Share Savings account opens the door to membership at Blue Federal Credit Union. The motto “once a member, always a member” applies as long as the Share account remains open. This provides voting privileges and eligibility to use all credit union products and services!
A savings account for members who want a safe place to save money while building a relationship with a local credit union.
Why members choose it:
- Establishes membership with Blue
- Simple way to begin saving
- Access to the full value of credit union membership
- A good fit for first-time savers and everyday personal savings
Minimum daily balance of $25 required to earn dividends. Dividends compounded daily and paid quarterly.
Vista Savings
Put your dividends to work
Vista Savings is built for members who want to maximize earnings on Blue dividends.
The Vista Savings pays our best rate (Prime + 1.00%) on your Blue dividends, maximizing your earnings.
This Savings Account
- Cannot be opened online
- Only accepts dividend transfers from eligible deposit and checking accounts
- Funds are available without penalty
- The account matures annually on January 1
Smart Cents Savings
Turn everyday purchases into steady progress
Smart Cents makes saving automatic. Smart Cents is available for free with any Blue checking account.
Here’s how it works:
- Purchases made with your Blue Debit Card are rounded to the nearest dollar amount
- The difference will be transferred automatically from your checking account to your savings account (or specified account) at the end of each day
- Track your savings in online banking
Why members choose it:
- Automated transfers into savings
- Helps build savings habits over time
- Works alongside your Blue checking account
- Great for busy members focused on financial wellness
Disclosure:
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.
Current Promotions
Accelerated Savings
Earn 5.00% APY* on balances up to $1,000!
With no required monthly transfers to earn dividends, easy access, and a great rate, our Accelerated Savings program is a great way for anyone to start saving money to reach their goals.
Sky High Savings
Earn 2.25% APY*
Launch your savings with our exclusive, limited-time, Sky High Savings 2.25% APY* 6-month locked rate with an Elite Level NOVA Perks™ Checking Account.
* Annual Percentage Yield.
Savings Accounts Rates
Sky High Savings Rate
| Min. Balance | Min. Balance Required | Dividend | APY* |
|---|---|---|---|
|
N/A |
$0.00 |
0.30% |
0.30% |
Sky High Savings Disclosure
*Annual Percentage Yield. Subject to change without notice. Dividends compounded monthly. No minimum balance required to open.
Accelerated Savings Rates
| Tier | Balance | Dividend | Blended APY* | |||
|---|---|---|---|---|---|---|
|
1 |
$0.00 – $1,000.00 |
4.89% |
5.00% |
|||
|
2 |
$1,000.01 – $5,000.00 |
1.00% |
5.00% – 1.80% |
|||
|
3 |
$5,000.01 – $10,000.00 |
0.50% |
1.80% – 1.15% |
|||
|
4 |
$10,000.01 – $50,000.00 |
0.25% |
1.15% – 0.43% |
|||
|
5 |
$50,000.01 and Over |
0.15% |
0.43% – 0.15% |
|||
Accelerated Savings
*Annual Percentage Yield. This is a tiered rate account. The specified dividend rate for a tier will apply only to the portion of the balance within that tier. Annual percentage yields vary depending on the balance in the account. No minimum deposit required to open. No minimum balance to earn dividends. Dividends compounded daily and paid monthly. Limit one Accelerated Savings Account type per social security number.
Christmas Club Savings Rates
| Balance | Dividend | Blended APY* |
|---|---|---|
|
$25.00 – $5,000.00 |
1.24% |
1.25% |
|
$5,000.01 or greater |
0.01% |
1.25%-0.01% |
Christmas Club
*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.
Other Savings Rates
| Savings Account | Minimum Balance To Earn Dividends | Dividend | APY* |
|---|---|---|---|
|
Membership Share Savings |
$25.00 or greater |
0.01% |
0.01% |
|
IRA Savings |
$25.00 or greater |
0.40% |
0.40% |
Other Savings
*Annual Percentage Yield. Minimum daily balance of $25 required to earn dividends. Dividends compounded daily and paid quarterly.
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.
All rates effective as of:
Rates may be subject to change without notice.