Deposit Rates

Whether you are saving for a special occasion, planning your retirement, or helping your children with college, Blue Flame deposit rates are market competitive to help you reach your savings goals.

Go To Lending Rates

Savings & Checking
Account APY* Min. Balance**
Regular Shares 0.10% $200†
Youth Shares 0.10% None
Young Adult Shares 0.10% None
Christmas 0.25% None
Vacation 0.25% None
Checking 0.05% $200†
IRA 0.75% None
Effective July 3, 2023

Regular Shares, Youth Shares and Young Adult Shares earn dividends quarterly. Christmas, Vacation and IRA Savings, and Checking Accounts earn dividends monthly.*APY = Annual Percentage Yield**Minimum balance before dividends can be earned.†Accounts have a minimum AVERAGE daily balance required before dividends can be earned.

Share Certificates
Term APY* Min. Balance**
3 Months 2.25% $500
6 Months 3.25% $500
12 Months 4.50% $500
18 Months 4.25% $500
24 Months 4.00% $500
36 Months 3.10% $500
48 Months 3.20% $500
60 Months 3.25% $500
Effective May 1, 2024

*APY = Annual Percentage Yield. **Minimum balance before dividends can be earned.†Early withdrawal penalties apply to certificates. Dividends are compounded and paid monthly.

IRA Certificates
Term APY* Min. Balance**
3 Months 2.25% $500
6 Months 3.25% $500
12 Months 4.50% $500
18 Months 4.25% $500
24 Months 4.00% $500
36 months 3.10% $500
48 Months 3.20% $500
60 Months 3.25% $500
Effective May 1, 2024

*APY = Annual Percentage Yield.  †IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply to certificates. Dividends are compounded and paid monthly.

Young Certificates
Term APY* Min. Balance
3 Months 2.25% $500
6 Months 3.25% $500
12 Months 4.50% $500
18 Months 4.25% $500
24 Months 4.00% $500
36 Months 3.10% $500
48 Months 3.20% $500
60 Months 3.25% $500
Effective May 1, 2024

†For Youth (under age 18) and Young Adults (through age 23). Early withdrawal penalties apply to certificates. Additional deposits may be made to Youth/Young Adult Certificates. Dividends are compounded and paid monthly.
*APY = Annual Percentage Yield.

Money Markets
Balance to Earn Dividend APY*
$500 to $10,000 0.25%
$10,000.01 to $25,000 0.35%
$25,000.01 to $50,000 0.45%
$50,000.01 to $100,000 0.75%
$100,000.01 to 250,000 1.00%
$250,000.01 and up 1.25%
Effective July 3, 2023

†Some withdrawal limitations apply to Money Markets. Dividends are compounded and paid monthly.
*APY = Annual Percentage Yield.

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