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BluCurrent Credit Union

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BluCurrent Credit Union Rates & Review November 2026

Q: What are the current interest rates at BluCurrent Credit Union?

Current rates for BluCurrent Credit Union include: 12-Month CD: 3.40%, 24-Month CD: 3.40%, 60-Month CD: 3.40%, Savings: 0.25%, MMA: 3.40%

Q: What CD terms does BluCurrent Credit Union offer?

BluCurrent Credit Union CD rates are 3.60% APY for a 6 month CD, 3.60% APY for a 12 month CD, 3.60% APY for a 2 year CD, 3.60% APY for a 3 year CD and 3.60% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with BluCurrent Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

BluCurrent Credit Union's 12 Month CD of Deposit rates are at 3.60%, 36 Month CD of Deposit rates are at 3.60%, 6 Month CD of Deposit rates are at 3.60%, 60 Month CD of Deposit rates are at 3.60%, CD of Deposit - 24 Month rates are at 3.60%. BluCurrent Credit Union's savings rates are at 0.25%. BluCurrent Credit Union's money market rates are at 3.40%. BluCurrent Credit Union's checking rates are as high as 5.00%. BluCurrent Credit Union's Personal Loan Rates are as low as 3.00%. BluCurrent Credit Union's Credit Card Rates are at 9.90%. BluCurrent Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of BluCurrent Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.53%. Rates last updated and verified on 10/29/2026.

BluCurrent Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BluCurrent Credit Union? Share your experience about BluCurrent Credit Union by leaving a review below, or read customer reviews before you decide to use BluCurrent Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.53%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

BluCurrent Credit Union
SOUTH NATIONAL BRANCH

4520 S NATIONAL AVE
SPRINGFIELD, MO 65810

https://www.blucurrent.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

BluCurrent Credit Union CD Rates

Product	Rate	APY	Term
Certificates of Deposit Special Terms Promotion - 15 Month	-	4.00%	15 Month
Min Balance $1,000 Details Limited-time promotional rate; if automatic renewal is selected, renews at a 12-month term and the rate in effect at that time Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
12 Month Certificate of Deposit	-	3.60%	12 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Personal & Business Certificates of Deposit; Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
36 Month Certificate of Deposit	-	3.60%	36 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Up to 3.60% APY; Personal & Business Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
6 Month Certificate of Deposit	-	3.60%	6 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Personal & Business Certificates of Deposit; Rates effective 10/01/2026; Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
60 Month Certificate of Deposit	-	3.60%	60 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Personal & Business Certificates of Deposit Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificate of Deposit - 24 Month	-	3.60%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Certificates of Deposit (Personal & Business) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificate of Deposit - 48 Month	-	3.60%	48 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Certificates of Deposit (Personal & Business); Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
12 Month Certificate of Deposit	-	3.55%	12 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Personal & Business Certificates of Deposit; Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
36 Month Certificate of Deposit	-	3.55%	36 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Up to 3.60% APY; Personal & Business Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
6 Month Certificate of Deposit	-	3.55%	6 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Personal & Business Certificates of Deposit; Rates effective 10/01/2026; Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
60 Month Certificate of Deposit	-	3.55%	60 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Personal & Business Certificates of Deposit Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificate of Deposit - 24 Month	-	3.55%	24 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Certificates of Deposit (Personal & Business) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificate of Deposit - 48 Month	-	3.55%	48 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Certificates of Deposit (Personal & Business); Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
12 Month Certificate of Deposit	-	3.50%	12 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Personal & Business Certificates of Deposit; Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
36 Month Certificate of Deposit	-	3.50%	36 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Up to 3.60% APY; Personal & Business Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
6 Month Certificate of Deposit	-	3.50%	6 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Personal & Business Certificates of Deposit; Rates effective 10/01/2026; Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
60 Month Certificate of Deposit	-	3.50%	60 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Personal & Business Certificates of Deposit Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificate of Deposit - 24 Month	-	3.50%	24 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Certificates of Deposit (Personal & Business) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificate of Deposit - 48 Month	-	3.50%	48 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Certificates of Deposit (Personal & Business); Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
12 Month Certificate of Deposit	-	3.40%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Personal & Business Certificates of Deposit; Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40% Oct 26, 20263.40%▼ from 4.00% Oct 9, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
36 Month Certificate of Deposit	-	3.40%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Up to 3.60% APY; Personal & Business Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40% Oct 19, 20263.40%▼ from 4.00% Oct 9, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
6 Month Certificate of Deposit	-	3.40%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Personal & Business Certificates of Deposit; Rates effective 10/01/2026; Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40% Oct 13, 20263.40%▼ from 4.00% Oct 9, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
60 Month Certificate of Deposit	-	3.40%	60 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Personal & Business Certificates of Deposit Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40% Oct 26, 20263.40%▼ from 4.00% Oct 9, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificate of Deposit - 24 Month	-	3.40%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Certificates of Deposit (Personal & Business) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificate of Deposit - 48 Month	-	3.40%	48 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Certificates of Deposit (Personal & Business); Penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Business CD Rates

Product	Rate	APY	Term
Certificates of Deposit (Personal&Business) - 12 Month	-	3.60%	12 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 24 Month	-	3.60%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 36 Month	-	3.60%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 48 Month	-	3.60%	48 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 6 Month	-	3.60%	6 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 60 Month	-	3.60%	60 Month
Min Balance $100,000 Details Balance: $100,000.00 and over; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 12 Month	-	3.55%	12 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 24 Month	-	3.55%	24 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 36 Month	-	3.55%	36 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 48 Month	-	3.55%	48 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 6 Month	-	3.55%	6 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 60 Month	-	3.55%	60 Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 12 Month	-	3.50%	12 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 24 Month	-	3.50%	24 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 36 Month	-	3.50%	36 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 48 Month	-	3.50%	48 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 6 Month	-	3.50%	6 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 60 Month	-	3.50%	60 Month
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 12 Month	-	3.40%	12 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 24 Month	-	3.40%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 36 Month	-	3.40%	36 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 48 Month	-	3.40%	48 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 6 Month	-	3.40%	6 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Certificates of Deposit (Personal&Business) - 60 Month	-	3.40%	60 Month
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Term APY up to 3.60% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Savings Rates

Product	Rate	APY
Growth Savings	-	0.25%
Details Qualifications Required; Balance: Up to $7,500.00; Qualifying balance up to $7,500.00; If qualifications are not met, 0.01% APY on the entire balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Christmas Club	-	0.05%
Min Balance $100 Details Balance of at least $100 must be maintained in account to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Primary Shares (Savings)	-	0.05%
Min Balance $100 Details Balance of at least $100 must be maintained in account to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Money Market Rates

Product	Rate	APY
Money Market (Premium Coverage)	-	3.30%
Min Balance $500,000 Details Balance: $500,000 + Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Premium Coverage Money Market	-	3.30%
Min Balance $2,500 Details No standard term; Minimum balance to earn APY: $2,500; Up to 6 withdrawals per month without penalty; APY shown as 3.30 on page without % sign Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Money Market (Premium Coverage)	-	3.05%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Money Market (Premium Coverage)	-	2.80%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Money Market (Premium Coverage)	-	2.55%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Money Market (Premium Coverage)	-	2.30%
Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Business Money Market Rates

Product	Rate	APY
Money Market for Personal and Business	-	3.40%
Min Balance $500,000 Details Balance: $500,000 +; To open, visit a branch location, launch a video banking call, call, or message through online or mobile banking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Money Market for Personal and Business	-	3.15%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; To open, visit a branch location, launch a video banking call, call, or message through online or mobile banking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Money Market for Personal and Business	-	2.90%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; To open, visit a branch location, launch a video banking call, call, or message through online or mobile banking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Money Market for Personal and Business	-	2.65%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; To open, visit a branch location, launch a video banking call, call, or message through online or mobile banking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Money Market for Personal and Business	-	2.40%
Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99; To open, visit a branch location, launch a video banking call, call, or message through online or mobile banking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Checking Rates

Product	Rate	APY	View More
High-Yield Checking	-	5.00%
Details Qualifications Required; Balance: Up to $7,500.00; Qualifying balance up to $7,500.00; Open a High-Yield Checking Account; If qualifications are not met, 0.01% APY on the entire balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (variable)	-	-	6.50%
Details As Low As; Term: Varies; Variable rate Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 22, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.49%
Details As Low As; Term: Varies Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
New Recreational Vehicle Loan	-	7.49%
Details As Low As; Term: Varies Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Platinum Credit Card	-	9.90%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Mastercard Classic Credit Card	-	13.90%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 13.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Personal Loan Rates

Product	APR	Term	View More
Share Loan	3.00%
Details As Low As; Term: Varies; Credit union savings account(s) used to fully secure the loan Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
Signature Loan	11.00%
Details As Low As; Term: Varies Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

BluCurrent Credit Union Other Rates

Product	Rate	Points	APY/APR
Individual Retirement Account (IRA)	-	-	0.05%
Min Balance $100 Details Balance: $100.00 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%
My Choice	-	-	0.05%
Min Balance $100 Details Balance of at least $100 must be maintained in account to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.53%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

BluCurrent Credit Union’s Texas Ratio rose from 1.41% in Q3 2023 to 2.53% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$406M	2.53%	5.0	A+
March 31, 2026	$394M	3.18%	5.0	A+
December 31, 2025	$387M	3.81%	5.0	A+
September 30, 2025	$383M	3.56%	5.0	A+
June 30, 2025	$370M	3.02%	5.0	A+
March 31, 2025	$364M	2.27%	5.0	A+
December 31, 2024	$352M	2.68%	5.0	A+
September 30, 2024	$347M	3.02%	5.0	A+
June 30, 2024	$339M	1.54%	5.0	A+
March 31, 2024	$335M	1.46%	5.0	A+
December 31, 2023	$321M	1.03%	5.0	A+
September 30, 2023	$316M	1.41%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for BluCurrent Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather BluCurrent Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BluCurrent Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BluCurrent Credit Union

Website https://www.blucurrent.org

Address 4520 S NATIONAL AVE, SPRINGFIELD, MO 65810

Phone 417-887-1983

Fax

President Garry Rose

CEO Craig Tabor

Full-Time Employees 82

Part-Time Employees 10

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.53%

Return on Assets (ROA)

0.2652%

Return on Equity (ROE)

2.6090%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

406,148,595

Total Amount of Shares and Deposits

343,626,514

Total Shares and Deposits < 1 Year

327,401,263

Total Shares and Deposits 1 3 Years

9,861,377

Total Shares and Deposits > 3 Years

6,363,874

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

9,937,295

Total Uninsured Shares and Deposits > $250K (F+J)

9,937,295

Total Insured Shares and Deposits > $250K (item 17 less item K)

333,689,219

Total Interest Expense (Sum of items 6 8)

3,147,718

Share Certificates

1,355

Number of Accounts for Share Drafts

16,924

IRA KEOGH Accounts

456

Number of Accounts for Regular Shares

31,661

All other shares

Non Member Deposits

Money Market Shares

1,536

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,674,623

Total Liabilities

364,441,304

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

BluCurrent Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for BluCurrent Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for BluCurrent Credit Union

Frequently Asked Questions About BluCurrent Credit Union

Does BluCurrent Credit Union offer CDs?

Yes. BluCurrent Credit Union current CD rates include its 12 Month CD of Deposit at 3.60% APY, its 36 Month CD of Deposit at 3.60% APY and its 6 Month CD of Deposit at 3.60% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from BluCurrent Credit Union NCUA insured?

Yes. BluCurrent Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at BluCurrent Credit Union?

The highest BluCurrent Credit Union CD rate is its CDs of Deposit Special Terms Promotion - 15 Month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does BluCurrent Credit Union offer?

BluCurrent Credit Union CD rates are 3.60% APY for a 6 month CD, 3.60% APY for a 12 month CD, 3.60% APY for a 2 year CD, 3.60% APY for a 3 year CD and 3.60% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with BluCurrent Credit Union for its full lineup.

What is the highest savings rate at BluCurrent Credit Union?

The highest BluCurrent Credit Union savings rate is its Growth Savings at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at BluCurrent Credit Union?

The highest BluCurrent Credit Union money market rate is its Money Market for Personal and Business at 3.40% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at BluCurrent Credit Union?

The highest BluCurrent Credit Union checking rate is its High-Yield Checking at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at BluCurrent Credit Union?

The lowest BluCurrent Credit Union auto loan rate is its Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at BluCurrent Credit Union?

The lowest BluCurrent Credit Union personal loan rate is its Signature Loan at 11.00% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at BluCurrent Credit Union?

The lowest BluCurrent Credit Union credit card APR is its Mastercard Platinum Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does BluCurrent Credit Union operate?

BluCurrent Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join BluCurrent Credit Union?

Yes, to access services at BluCurrent Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, BluCurrent Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BluCurrent Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does BluCurrent Credit Union offer online and mobile banking?

Most modern institutions like BluCurrent Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.blucurrent.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do BluCurrent Credit Union rates compare?

BluCurrent Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. BluCurrent Credit Union's top rates are its CDs of Deposit Special Terms Promotion - 15 Month at 4.00% APY, its Growth Savings at 0.25% APY, its Money Market for Personal and Business at 3.40% APY, its High-Yield Checking at 5.00% APY, its Share Loan at 3.00% APR and its Mastercard Platinum Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current BluCurrent Credit Union Rates

12-Month CD3.40%
24-Month CD3.40%
60-Month CD3.40%
Savings0.25%
MMA3.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

BluCurrent Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

BluCurrent Credit Union Texas Ratio

BluCurrent Credit Union Health Trend

BluCurrent Credit Union CD Rates

BluCurrent Credit Union Business CD Rates

BluCurrent Credit Union Savings Rates

BluCurrent Credit Union Money Market Rates

BluCurrent Credit Union Business Money Market Rates

BluCurrent Credit Union Checking Rates

BluCurrent Credit Union Home Equity & HELOC

BluCurrent Credit Union Auto Loan Rates

BluCurrent Credit Union RV, Boat and Powersport Loan Rates

BluCurrent Credit Union Credit Card Rates

BluCurrent Credit Union Personal Loan Rates

BluCurrent Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

BluCurrent Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About BluCurrent Credit Union

Does BluCurrent Credit Union offer CDs?

Are CDs from BluCurrent Credit Union NCUA insured?

What is the highest CD rate at BluCurrent Credit Union?

What CD terms does BluCurrent Credit Union offer?

What is the highest savings rate at BluCurrent Credit Union?

What is the highest money market rate at BluCurrent Credit Union?

What is the highest checking rate at BluCurrent Credit Union?

What is the lowest auto loan rate at BluCurrent Credit Union?

What is the lowest personal loan rate at BluCurrent Credit Union?

What is the lowest credit card APR at BluCurrent Credit Union?

How many branches does BluCurrent Credit Union operate?

Is a member application needed to join BluCurrent Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does BluCurrent Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do BluCurrent Credit Union rates compare?

Current BluCurrent Credit Union Rates

Compare to Other Credit Unions