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.
| Savings & Checking |
APY* |
MIN BAL** |
| Regular Shares |
0.25% |
$200† |
| Youth Shares |
0.70% |
None |
| Young Adult Shares |
0.70% |
None |
| Christmas |
0.30% |
None |
| Vacation |
0.50% |
None |
| Checking |
0.10% |
$200† |
| IRA |
0.70% |
None |
Effective Oct 25, 2018
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† |
APY* |
Min Bal** |
| 21-Month Christmas Saver†† |
2.60% |
$500 |
| 7-Month Christmas Saver†† |
2.00% |
$500 |
| 9-Month Special*** |
1.50% |
$500 |
| 6 Months |
1.15% |
$500 |
| 12 Months |
1.55% |
$500 |
| 18 Months |
1.65% |
$500 |
| 24 Months |
1.75% |
$500 |
| 30 Months |
1.65% |
$500 |
| 36 Months |
1.75% |
$500 |
Effective Oct 25, 2018
†Early withdrawal penalties apply to certificates. Dividends are compounded and paid monthly.
*APY = Annual Percentage Yield.
**Minimum balance before dividends can be earned.
††The APY is accurate as of 11/1/2018 and offer ends 12/31/2018, or if we reach the $1,000,000 Credit Union limit for the 7-Month Certificate or the $500,000 Credit Union limit for the 21-Month Certificate before 12/31/18. Terms and conditions apply. Early withdrawal penalties apply. BFCU reserves the right to extend or end offers at any time. If the certificate is not redeemed at maturity, the 7-Month will automatically roll into a 12-month and the 21-Month into a 24-Month certificate at the then current rate. IRA’s are not eligible. New Money Only. Cannot use funds currently on deposit or held at Blue Flame Credit Union.
***Offer ends 2/28/2019. Must use funds currently on deposit or held at Blue Flame Credit Union. Money must be with Blue Flame Credit Union before June 1, 2018. If funds are deposited after 6/1, funds must be available for 30 days before use to open a CD. Minimum deposit of $500. There is a $1,000,000 Credit Union limit for the 9 month CD. If CD is not redeemed at maturity, it will automatically roll into a 12-month CD at the then current rate. IRA's are not eligible. Funds may not come from an early withdrawal of a current CD product. Early withdrawal penalties apply. BFCU reserves the right to extend or end offers at any time.
| IRA Certificates |
APY* |
Min Bal |
| 6 Months |
1.15% |
$500 |
| 12 Months |
1.55% |
$500 |
| 18 Months |
1.65% |
$500 |
| 24 Months |
1.75% |
$500 |
| 30 months |
1.65% |
$500 |
| 36 Months |
1.75% |
$500 |
Effective Oct 25, 2018
†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.
*APY = Annual Percentage Yield.
| Young Member Certificate |
APY* |
Min Bal |
| 6 Months |
1.15% |
$25 |
| 12 Months |
1.55% |
$25 |
| 18 Months |
1.65% |
$25 |
| 24 Months |
1.75% |
$25 |
| 30 Months |
1.65% |
$25 |
| 36 months |
1.75% |
$500 |
Effective Oct 25, 2018
†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† |
APY* |
Min Bal |
| $500 to $9,999.99 |
0.30% |
$500 |
| $10,000 to $24,999.99 |
0.35% |
$10,000 |
| $25,000 and up |
0.40% |
$25,000 |
Effective Oct 25, 2018
†Some withdrawal limitations apply to Money Markets. Dividends are compounded and paid monthly.
*APY = Annual Percentage Yield.
