Credit union · NCUA insured
Blue Flame Credit Union Savings Rates
Blue Flame Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Blue Flame Credit Union’s savings rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Blue Flame Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Blue Flame Credit Union
0.20%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $20
Money Market Savings
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
Blue Flame Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Blue Flame Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
0.20%APY
Dividends are compounded and paid monthly. Some withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $10,000 | 0.20% | $20 |
| $10,000 – $25,000 | 0.30% | — |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $100,000 | 0.70% | — |
| $100,000 – $250,000 | 0.95% | — |
| Over $250,000 | 1.20% | — |
Sources (1)
- blueflamecu.org/accounts/money-markets · captured Sep 19, 2026
Regular Shares
0.05%APY
$5.00 deposit required to establish membership. Minimum average daily balance of $200 required to earn dividends. Dividends are earned and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum average daily balance of $200 required before dividends can be earned. Dividends earned quarterly.$200 and up | 0.05% | $5 | Minimum average daily balance of $200 required before dividends can be earned. Dividends earned quarterly. |
Sources (3)
- blueflamecu.org/accounts/christmas-and-vacation-savings
- blueflamecu.org/accounts/deposit-rates
- blueflamecu.org/accounts/regular-savings
All captured Sep 19, 2026
Special-purpose accounts
IRA Savings
0.50%APY
Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account. Dividends earned monthly. Annual contribution limits apply based on IRA type and age.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. Dividends earned monthly. Can be used as Traditional IRA, Roth IRA, or Coverdell Education Savings Account.Any balance | 0.50% | $50 | No minimum balance required to earn dividends. Dividends earned monthly. Can be used as Traditional IRA, Roth IRA, or Coverdell Education Savings Account. |
Sources (3)
- blueflamecu.org/accounts/christmas-and-vacation-savings
- blueflamecu.org/accounts/deposit-rates
- blueflamecu.org/accounts/ira-education-savings
All captured Sep 19, 2026
Christmas Savings
0.15%APY
Dividends earned monthly. Funds are distributed annually in early November. Fee applies if funds are withdrawn or transferred out prior to annual payout, unless within 7 days of account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. Dividends earned monthly. Annual distribution in early November. Early withdrawal fee applies unless within 7 days of opening.Any balance | 0.15% | $15 | No minimum balance required to earn dividends. Dividends earned monthly. Annual distribution in early November. Early withdrawal fee applies unless within 7 days of opening. |
Sources (2)
All captured Sep 19, 2026
Vacation Savings
0.15%APY
Dividends earned monthly. Funds are distributed annually in early May. Fee applies if funds are withdrawn or transferred out prior to annual payout, unless within 7 days of account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. Dividends earned monthly. Annual distribution in early May. Early withdrawal fee applies unless within 7 days of opening.Any balance | 0.15% | $15 | No minimum balance required to earn dividends. Dividends earned monthly. Annual distribution in early May. Early withdrawal fee applies unless within 7 days of opening. |
Sources (2)
All captured Sep 19, 2026
Young Adult Shares
0.10%APY
Available for members ages 18 to 23. Credit union makes the opening $5 deposit to establish account and membership. No minimum balance or fees. Dividends earned quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for members ages 18 to 23. No minimum balance required to earn dividends. Dividends earned quarterly. Opening $5 deposit is paid by the credit union.Any balance | 0.10% | $10 | Available for members ages 18 to 23. No minimum balance required to earn dividends. Dividends earned quarterly. Opening $5 deposit is paid by the credit union. |
Sources (3)
- blueflamecu.org/accounts/christmas-and-vacation-savings
- blueflamecu.org/accounts/deposit-rates
- blueflamecu.org/accounts/regular-savings
All captured Sep 19, 2026
Youth Shares
0.10%APY
Available to members under age 18. Credit union makes the opening $5 deposit to establish account and membership. No minimum balance or fees. Dividends earned quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to members under age 18. No minimum balance required to earn dividends. Dividends earned quarterly. Opening $5 deposit is paid by the credit union.Any balance | 0.10% | $10 | Available to members under age 18. No minimum balance required to earn dividends. Dividends earned quarterly. Opening $5 deposit is paid by the credit union. |
Sources (3)
- blueflamecu.org/accounts/christmas-and-vacation-savings
- blueflamecu.org/accounts/deposit-rates
- blueflamecu.org/accounts/regular-savings
All captured Sep 19, 2026
Who can join Blue Flame Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.