Credit union · NCUA insured
Bluestone Federal Credit Union CD Rates
Bluestone Federal Credit Union’s best CD rate is 3.56% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Bluestone Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Bluestone Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bluestone Federal Credit Union
3.56%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $356
Share Certificate
Top rate
Quoin Financial Bank
4.60%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $499
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Bluestone Federal Credit Union CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.79%
- QualifiedQualified3.56%
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 Bluestone Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.56%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.01% | $25 |
| 6 months | 1.51% | $75 |
| 12 months | 2.02% | $202 |
| 12 monthsVariable share certificate | 3.56% | $356 |
| 18 months | 2.27% | $342 |
| 24 months | 2.53% | $512 |
| 36 months | 2.63% | $810 |
| 48 months | 2.73% | $1,138 |
| 60 months | 2.79% | $1,475 |
Sources (2)
All captured Oct 22, 2026
Who can join Bluestone Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship or attend school in 43 counties across 4 states (Iowa, Minnesota, Nebraska, South Dakota).
Family and household
- Immediate family members of eligible persons are eligible for membership.
Cost to join
- Members must fund their membership with a $5.00 share deposit.
Membership information collected October 4, 2026.