Rates

   

Bluestone Federal Credit Union Rates

Whether you borrow or save, as a member of Bluestone Federal Credit Union, you’ll find rates that will help make achieving your dreams affordable.

Savings RatesEffective Monday, January 26, 2026
APYMinimum
Deposit
Minimum
Balance
OWNERSHIP SHARE0.05%$5$50
CHRISTMAS CLUB0.05% $50
MONEY MARKET SAS0.5% $2500
MONEY MARKET SAS0.7% $10000
MONEY MARKET SAS0.9% $25000
PRIME YIELD MM SAVGS1.72% $25000
PRIME YIELD MM SAVGS1.98% $50000
PRIME YIELD MM SAVGS2.23% $75000
PRIME YIELD MM SAVGS2.49% $100000
BASIC SHARE DRAFT0% $0
DIVIDEND BEARING SD0.25% $1000
SECONDARY SHARE0.05% $50

       *Minimum Balance to earn dividends

Certificate RatesEffective Monday, March 9, 2026
Certificate TermAPYMinimum Deposit
3 MONTH CERTIFICATE1.01%$1000
6 MONTH CERTIFICATE1.51%$1000
12 MONTH CERTIFICATE2.02%$1000
12 MO VARIABLE SHARE CERT.3.3%$1000
18 MONTH CERTIFICATE2.27%$1000
24 MONTH CERTIFICATE2.53%$1000
36 MONTH CERTIFICATE2.63%$1000
48 MONTH CERTIFICATE2.73%$1000
60 MONTH CERTIFICATE2.79%$1000
Loan RatesEffective Monday, March 9, 2026
Loan TypeRates as low asTerms & Information
Buy or Refinance a Car/Truck » 4.99% 12 M .50% off all Hybrids & vehicles rated =>28mpg/hwy by the EPA
Home Equity Line of Credit 7% 120 M Flexible Home Equity Line of Credit
Buy/Refinance RV Loan-Balloon » 5.49% 60 M Buy the “toy” of your dreams with an affordable payment!!!
Line of Credit/Overdraft Loan » 10.5% 24 M Flexible Personal Loan or Overdraft Protection
Personal/Lifestyle Loan » 12% 12 M Debt Consolidation
Savings/Certificate Secured » 2.05% 12 M Use your money to earn credit
Buy/Refi Boat/RV 120mo Term » 7.99% 120 M
Buy/Refi Boat/RV 180 mo Term » 8.99% 180 M
Visa Platinum » 10.5% 48 M Visa Platinum with Rewards and No Annual Fee
Visa Classic » 10.5% 48 M No Annual Fee Visa Classic

Disclosures

Percentages shown for Rates are the current Annual Percentage Rate (APR) for 4 star credit based on the shortest loan term offered with the exception of Personal/Lifestyle Loans which shows 3 star credit for the shortest term offered (12 months). Mortgage loan terms offered from 5 to 30 years; vehicle loan terms offered from 12-84 months; personal loan terms offered from 12-60 months; boat and RV loan terms offered from 12-180 months. Different loan types offer different loan terms. Not all applicants will qualify for rates shown or credit approval. All loans are subject to credit approval. Must be eligible for membership with Bluestone Federal Credit Union. Check eligibility here https://www.bluestonefcu.org/join-us/ Other loan requirements and stipulations may also be required. Rate discounts may apply based on type of loan, membership points redemption, collateral, etc. Additional fees and/or down payment may apply based on amount and type of loan. Breakdown of mortgage estimated fees: Document prep: $172.00; Appraisal : $600.00 plus mileage; AVM $25.00; Title insurance: varies with the amount of the loan (example: $50,000 would be approx. $550.00); Mortgage recording : $30.00; Prepaid satisfaction: $30.00; Individual credit report: $7.00; Flood certification: $14.00.
Lender: Bluestone Federal Credit Union, 5010 S Solberg Ave, Sioux Falls, SD 57108. 605-367-7070.
Equal housing lender https://www.hud.gov/fairhousing
Deposits insured by https://ncua.gov/
Member https://www.americascreditunions.org/