Credit union · NCUA insured
Bluestone Federal Credit Union Savings Rates
Bluestone Federal Credit Union’s best savings rate is 0.70% APY on $10,000, with its MONEY MARKET SAS. Rates checked October 22, 2026.
How Bluestone Federal Credit Union’s savings 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
0.70%APY
- Minimum
- —
- Earns on $10,000 a year
- $70
MONEY MARKET SAS
Top rate
ONE AMERICAN BANK
3.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $300
2nd-highest rate
Citi
3.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $300
Bluestone Federal Credit Union savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0002.91%
- QualifiedQualified0.70%
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 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.
PRIME YIELD MM SAVGS
Up to 2.91%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upMinimum balance to earn dividends | 2.14% | — | Minimum balance to earn dividends |
| $50,000 and upMinimum balance to earn dividends | 2.40% | — | Minimum balance to earn dividends |
| $75,000 and upMinimum balance to earn dividends | 2.65% | — | Minimum balance to earn dividends |
| $100,000 and upMinimum balance to earn dividends | 2.91% | — | Minimum balance to earn dividends |
Sources (2)
All captured Oct 4, 2026
MONEY MARKET SAS
Up to 0.70%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance to earn dividends | 0.50% | $50 | Minimum balance to earn dividends |
| $10,000 and upMinimum balance to earn dividends | 0.70% | $70 | Minimum balance to earn dividends |
| $25,000 and upMinimum balance to earn dividends | 0.90% | — | Minimum balance to earn dividends |
Sources (2)
All captured Oct 4, 2026
Ownership Share/Savings
0.05%APY
Foundation of credit union membership. $5.00 deposit remains in account as long as you are a member. No monthly service fees or minimum balance requirements. Minimum balance of $50 to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. $5 minimum deposit to open/establish.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. $5 minimum deposit to open/establish. |
Sources (2)
All captured Oct 4, 2026
Secondary Share
0.05%APY
Additional savings accounts can be opened online for goals such as wedding or vacation. No monthly service fees. Minimum balance of $50 to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Christmas Club
0.05%APY
Allows saving throughout the year for disbursement for holiday shopping. No monthly service fees. Minimum balance of $50 to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. |
Sources (2)
All captured Oct 4, 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.