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 Jan 24, 2019
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** |
| 6 Months |
1.15% |
$500 |
| 12 Months |
1.55% |
$500 |
| 14 Month Special*** |
2.35% |
$500 |
| 18 Months |
1.65% |
$500 |
| 24 Months |
1.75% |
$500 |
| 30 Months |
1.65% |
$500 |
| 36 Months |
1.75% |
$500 |
Effective Jan 24, 2019*APY = Annual Percentage Yield.
**Minimum balance before dividends can be earned.
†Early withdrawal penalties apply to certificates. Dividends are compounded and paid monthly.
***Offer ends 5/31/2019. There is a $1,000,000 Credit Union limit for the 14 month special. IRA's are excluded.If CD is not redeemed after maturity, funds will automatically roll over to 18 month CD at current rate. Early withdrawal penalties apply.New Money only. Funds must come from another Financial institution or must not be on BFCU deposit for longer than 30 days. Maximum of $25 weekly deposits from payroll or ACH outside of BFCU. BFCU reserves the right to extend or end offer at anytime.
| 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 Jan 24, 2019
†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 Jan 24, 2019
†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 Jan 24, 2019
†Some withdrawal limitations apply to Money Markets. Dividends are compounded and paid monthly.
*APY = Annual Percentage Yield.
