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rates

For wherever life takes you

Rates designed to help you save more, borrow wisely, and move forward with confidence.

Checking Account Rates

Explore current checking rates and find an account that fits the way you manage your money. With options designed to support everyday banking and long-term goals, Blue helps you make the most of every balance.

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NOVA™ Perks Elite Checking
Rates as high as 1.75
% APY*
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NOVA™ Perks Premium Checking
Rates as high as 0.35
% APY*
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Accelerated Savings
Rates currently 5.00
% APY*
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Sky High Savings
Rates up to 0.30
% APY*
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Sky High with Elite Checking
Rates currently 2.25
% APY*
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Membership Share
Rates currently 0.05
% APY*
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Christmas Club Savings
Rates currently 1.25
% APY*
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IRA Savings
Rates up to 0.40
% APY*

Savings Account Rates

Grow your savings with competitive rates designed for real life. Whether you’re building your emergency fund, saving for something special, or planning ahead, Blue offers options to help your money keep moving forward.

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Credit Card Rates

Live life on your terms with a Blue credit card. With competitive rates, rewarding benefits, and options designed for everyday spending, we’ll help you find the card that fits your life.

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Pathways Credit Card
Rates as low as 11.75
% APR**
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Cash Back Credit Card
Rates as low as 13.75
% APR**
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Everyday Rewards Credit Card
Rates as low as 13.75
% APR**
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Business Rewards Credit Card
Rates as low as 13.75
% APR**
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Term Share Rates

Put your money to work with a Term Share Certificate from Blue. Enter your ZIP code to view available rates and find an option that helps you save with confidence.

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Limited Time Offer

9-Month Term Share 1

4.11% APY*

Lock in a 4.11% *APY for 9 months with $1,000 minimum deposit required to open. It’s an easy way to grow your savings while taking advantage of this limited-time offer. Consumer accounts only.

Open Term Share


Vehicle Loan Rates

Thinking about buying a car, truck, trailer, recreational vehicle, or something else? Blue offers vehicle loans with competitive rates. Learn more today!

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Car Loans
Rates as low as 5.49
% APR**
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Electric and Hybrid Car Loans
Rates as low as 4.99
% APR**
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RVs
Rates as low as 6.49
% APR**
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ATV Loans
Rates as low as 6.49
% APR**
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Motorcycle Loans
Rates as low as 6.49
% APR**
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Boats & Watercraft Loans
Rates as low as 6.49
% APR**
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Personal Loans
Rates as low as 9.99
% APY*
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Personal Loan Rates

Consolidate your high-interest debt or plan your next family vacation. Whatever you need, Blue is here to help. Explore our Personal Loan Rates today!

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Business Banking Rates

Thinking about getting your business banking set up with Blue Federal Credit Union? Check out our rates or contact us to get started today!

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Business Money Market
Rates up to 3.00
% APY*
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Business Plus Checking
Rates currently 0.25
% APY*
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Business Rewards Credit Card
Rates as low as 13.75
% APR**
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Business Savings
Rates currently 0.05
% APY*
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Fixed Second
Rates as low as 6.00
% APY*
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HELOC
Rates as low as 6.50
% APY*
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FinishLine
Rates as low as 5.25
% APY*
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Home Loan Rates

Considering getting a home loan, mortgage, or HELOC? Check out Blue’s home loan, mortgage, and HELOC rates. Learn more today!

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Join Blue

Become a member today!

Blue is here to discover pathways to help you achieve your unique goals.

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All rates effective as of:

Rates may be subject to change without notice.

Terms & Disclosures

  1. Annual percentage yield. $1,000 minimum, Rate subject to change without notice. Early withdrawal penalties apply. The term share account automatically renews at the rate offered upon renewal. Membership required.
  2. Disclaimer: 1) Subject to the terms and conditions detailed in the Guide to Benefits. 2) Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY. 3) Identity and credit monitoring require additional activation for monitoring to begin. 4) Rate may change monthly. 5) Subject to terms and conditions, some exclusions apply. 6) Non-payment will result in transfer to Basic Plan. Price subject to change. Membership Required. Insured by NCUA. Must be 18 or older.
  3. ELITE CHECKING Enrollment in NOVA Perks™ by Blue, Elite account qualifies member for full program benefits. Certain benefit options must be paid from the Elite checking to be covered, see BaZing Guide to Benefits for more details. Account will incur a monthly fee and will be deducted from the account at the beginning of the month. Account will not be taken to a negative balance for fee payment. Courtesy Pay may not be used to pay the monthly fee. Account qualifies member for our best dividend rate on checking balances up to $15,000. Account qualifies member for an interest benefit on regular term shares. Offer cannot be combined with Promotional Term Share rates. Account in good standing is eligible for an Interest Rebate applied to auto, boat, recreational vehicle, and personal loans booked after NOVA Perks™ by Blue launch date. Loan payments must be made from the qualified Elite Blue checking account. Rebate will be deposited into the share during the month following loan payments made on time and with good funds. Rebate value may be reported for tax purposes as required by IRS regulations, see your tax professional for more information. Nonpayment of the monthly account fee will result in transfer to the Basic plan which does not qualify for the full program benefit, see Basic account disclosure for more details. See Truth in Savings Disclosure for rate details. Offer subject to change without notification. Must be 18 years or older. Insured by NCUA.
  4. PREMIUM CHECKING Enrollment in NOVA Perks™ by Blue, Premium account qualifies member for partial program benefits. Certain benefit options must be paid from the Premium checking to be covered, see BaZing Guide to Benefits for more details. Premium checking account will incur a monthly fee and will be deducted from the account at the beginning of the month. Nonpayment of the monthly fee will result in transfer to the Basic account, see Basic account disclosure for more details. Account will not be taken to a negative balance for fee payment. Courtesy Pay may not be used to pay the monthly fee. Enrollment in NOVA Perks™ by Blue, Premium account qualifies member for a dividend rate on checking balances up to $15,000. See Truth in Savings Disclosure for rate details. Offer subject to change without notification. Must be 18 years or older. Insured by NCUA.
  5. 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.
  6. 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.
  7. 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.
  8. *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.
  9. This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change.
  10. Minimum opening balance of $100.00 required to open. Minimum daily balance of $1,500 to earn dividends and avoid $5.00 monthly maintenance fee. First 100 deposited items per month are free. Dividends compounded and paid monthly. Fees could reduce earnings.
  11. Businesss Money Market: Minimum daily balance of $1,000 required to earn dividends. Dividends compounded and paid monthly.
  12. Minimum to open and earn dividends is $5,000. Dividends compounded and paid monthly. Penalty may be imposed for early withdrawal.
  13. No minimum daily balance or monthly maintenance fee. First 50 deposited items are free per month. Dividends compounded and paid monthly.
  14. A Home Equity Line of Credit (HELOC), is a revolving line of credit secured by the equity in the home. Draw period is 10 years. During the Draw period, the minimum monthly payment will equal the amount of interest accrued at the end of your monthly billing cycle. Repayment period is up to 20 years, minimum monthly payment is $100 or the amount necessary to amortize the outstanding balance, with interest over 20 years from the beginning of the repayment period, whichever is greater. A HELOC is a variable-rate loan subject to change monthly and is indexed to the prime rate as published in the Wall Street Journal.  Your Annual Percentage Rate will be a variable APR based upon the prime rate, plus a margin subject to a maximum APR of 18.00%. Your margin will be based on several factors including your credit history, combined loan to value ratio, loan amount and occupancy, so your rate may differ. Rates, terms and conditions are subject to change at any time without prior notice. Final closing costs depend on the location of the property, property type and the amount of the loan. Closing costs up to $1,000 to be paid by Blue Federal Credit union, excluding appraisals. Borrower agrees that in the event the mortgage on the property is paid in full and/or closed within 24 months of the loan term, borrower will be required to immediately repay all costs paid by Blue FCU. Loans subject to final credit approval. Property insurance on the property against hazards and/or flood damage that secures the HELOC is required to open the HELOC. Subject property must be located in Wyoming or Colorado. Underwriting criteria apply. Ask for more information
*Annual Percentage Yield (APY) **Annual Percentage Rate (APR) Rates subject to change at any time.