Credit union · NCUA insured
Blue Water Federal Credit Union Savings Rates
Blue Water Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Blue Water Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Blue Water Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Blue Water Federal Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Special Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Blue Water Federal Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 Water Federal 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.
Regular Savings
0.15%APY
Required minimum balance of $5.00 for share in credit union and membership. Interest paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Quarterly interest. To be paid 10/1/2026. | 0.10% | — | Quarterly interest. To be paid 10/1/2026. |
| $200 and upQuarterly interest. To be paid 10/1/2026. | 0.15% | $15 | Quarterly interest. To be paid 10/1/2026. |
Sources (3)
All captured Sep 24, 2026
Special Savings
0.15%APY
No minimum balance required. Interest paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Quarterly interest. To be paid 10/1/2026. | 0.10% | — | Quarterly interest. To be paid 10/1/2026. |
| $200 and upQuarterly interest. To be paid 10/1/2026. | 0.15% | $15 | Quarterly interest. To be paid 10/1/2026. |
Sources (3)
All captured Sep 24, 2026
Special-purpose accounts
IRA Regular Savings
0.50%APY
Traditional IRA retirement savings account allowing tax-deferred contributions. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly interest. To be paid 10/1/2026.Any balance | 0.50% | $50 | Quarterly interest. To be paid 10/1/2026. |
Sources (3)
All captured Sep 24, 2026
Holiday Savings
0.15%APY
No minimum balance required to open. Certain restrictions apply. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly interest. To be paid 10/1/2026.Any balance | 0.15% | $15 | Quarterly interest. To be paid 10/1/2026. |
Sources (3)
All captured Sep 24, 2026
Who can join Blue Water Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal employees working in specified counties (St. Clair, Huron, Sanilac, Tuscola) or towns (Armada, Memphis, Mt. Clemens, New Baltimore, New Haven, Richmond, St. Clair Shores, Clifford, Imlay City, Lapeer) are eligible for membership.
Family and household
- Immediate family members of a current credit union member are eligible for membership.
- Immediate family members of an individual eligible to become a credit union member are eligible for membership.
Membership information collected October 5, 2026.