The rates in this section are effective as of March 1, 2018.

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Term Shares

Length of Term Silver Members 
Gold Members 
Sapphire Members 
6-month 0.40% 0.65% 0.90%
12-month Special 1.15% 1.15% 1.15%
24-month "Bump Up" Special 1.60% 1.60% 1.60%
30-month expandable 0.90% 1.15% 1.40%
48-month 1.30% 1.55% 1.80%
60-month 1.60% 1.85% 2.10%



* Annual Percentage Yield. Rates are subject to change without notice. See full product disclosure for qualifications and full details.

Term Share & IRA

Members must meet certain Rewards for Life criteria to earn certain rates. Dividends compounded and paid monthly. Additional deposits only permitted on expandable term share account and all IRA term shares. Penalty may be imposed for early withdrawal. Minimum balance to open term share is $2,000. IRA maintenance fees apply.

30 Month Expandable

Additional deposits are permitted on the 30-month expandable term share account. IRA’s not eligible for the 30-month expandable.

2018 Term Share Special Disclosures

* Annual percentage yield. Additional deposits not permitted. Rates subject to change. New money or maturing term share only. Dividends compounded and paid monthly. Penalty may be imposed for early withdrawal. Both offers available for a limited time. See website for details. Federally Insured by NCUA. Membership is easy, just ask!

(1) Bump-Up term share certificate rate is effective 3/1/2018. Bump up(s), from the rate (APY) at origination, will be based on the Federal Open Market Committee (FOMC) vote to increase the Fed Funds Rate. If the FOMC announces an increase in the Fed Funds Rate within a particular quarter, the APY will automatically increase up to 25 basis points on the first day of the month following the end of that quarter (i.e., Jan 1st, Apr 1st, Jul 1st, and Oct 1st). A maximum of 2 bumps and a maximum of 50 basis points over the 24-month term. Minimum to open and earn dividends $2,000. Penalty may be imposed for early withdrawal. IRAs and business accounts are not eligible for Bump-Up promotion.

(2) 12-Month term share certificate is effective 3/1/2018. IRAs and business accounts are eligible for 12-month term share certificate promotional rate. Minimum deposit is $2,000 for IRA Certificates and $2,000 for 12-month term share certificates.

** Competitor rates effective January 9, 2018 per 2018 INFORMA research services. Blue is not responsible for competitors’ adjusted rates.