Over-the-Top Benefits with Blue
We empower members to tap into the potential of their money, life and community.

We empower members to tap into the potential of their money, life and community.
Get Even More with Blue.
Going over the top is the heart of Blue. We work hard to bring you exceptional benefits that make your life easier.
Protection when you need it.
Blue offers a wide variety of checking account overdraft protection, because we want to help our members become financially secure. Find out more about these great options available for enrollment on most of our checking products.
CardNav gives you total control over your debit and credit cards.
You can limit your card capabilities through the following categories:
Start switching your accounts today. The first step is talking to your personal financial expert.
ClickSwitch online portal makes it easy to move your automated payments and direct deposits to your new account. ClickSwitch allows you to:
Apple Pay, GPay (Google) and Samsung Pay are available for all our debit and credit cards including both business debit and credit cards (except for HSA cards).
Apple Pay
Apple Pay lives in the Wallet app
along with your boarding passes, tickets, rewards cards and more. Simply add
your Blue debit card.
To use Apple Pay with your Blue debit card, you'll need an iPhone SE, iPhone 6, or iPhone 6 Plus with iOS 8.1 or later. Open the Wallet app, swipe down and tap the plus sign. Use your iSight®camera to enter the card or add it manually.
Using Apple Pay:
Samsung Pay
Available on Samsung's latest devices: Galaxy S9 and Galaxy S9+, Galaxy Note8, Galaxy Note9, Galaxy S8 and Galaxy S8+, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy S6 edge, Galaxy S6 active, Galaxy S6, Gear S2 (with NFC only) and Gear S3.
Using Samsung Pay:
*Registration required. Visit Samsung for more information.
GPay (Google)
Using Google Pay:
Saving just became a lot easier.
Our Smart Cents program is a really easy way to build up your savings balance. Smart Cents is available for free with any Blue checking account. Enroll your account today and start tracking your savings.
Here's how it works:
To enroll your account today, visit any of our conveniently located branches or contact us.
Blue's Skip-a-Pay service provides a way to defer payment on qualified loans 3 times a year and up to 8 times for the lifetime of the loan.
The following loans are not eligible for Skip-a-Payment:
By opting for Skip-a-Payment, you request that Blue Federal Credit Union defer your loan payments as indicated. You agree and understand that: 1) Finance charges will continue to accrue at the rate provided for in your original loan agreement, during and after that time; 2) deferring your next payment will result in your having to pay higher total finance charges than if you made your payments as originally scheduled; 3) this payment deferral will extend your loan(s) and you will have to make extra payment(s) after your loan(s) would otherwise be paid off per your original loan terms; and 4) you will be required to resume your regular monthly payments in the following month. If you previously elected to purchase any GAP or insurance products on this loan, coverage will not be extended beyond the original maturity date. Skip-a-Payment request subject to a $45.00 loan extension fee. Three (3) consecutive monthly payments must have been made to the loan and your loan(s) must be in good standing at the time you choose to accept this offer. Loan extensions of any kind are limited to three per calendar year and eight over the life of the loan and all deferrals are subject to Blue Federal Credit Union approval. Real estate, credit card, short term and line-of-credit loans are not eligible. If your loan payment is deducted from another financial institution, we must receive notice 15 days prior to the due date to suspend that payment for one month. Additional restrictions may apply.
* Annual Percentage Yield. Rate is effective January 1, 2022. Subject to change without notice. Dividends compounded monthly. No minimum balance required to open.
Minimum daily balance of $25.00 required to earn dividends. Dividends compounded daily and paid monthly. Requires at least one monthly deposit (other than dividend). Limit one per social security number.
Christmas ClubMinimum 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.