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Blue Foundry Bank Rates & Review March 2026

Blue Foundry Bank's 3-Month CD rates are at 3.95%, 8-Month CD rates are at 3.85%, 7-Month CD rates are at 3.70%, AXIS 12-Month CD SPECIAL rates are at 3.70%, 9-Month CD rates are at 3.55%. Blue Foundry Bank's savings rates are at 0.05%. Blue Foundry Bank's money market rates are at 0.00%. MonitorBankRates evaluates the financial stability of Blue Foundry Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.56%. Rates were last updated on 03/16/2026.

Blue Foundry Bank 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 Blue Foundry Bank? Share your experience about Blue Foundry Bank by leaving a review below, or read customer reviews before you decide to use Blue Foundry Bank.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.56%
Excellent Lower than avg
Blue Foundry Bank
19 Park Ave
Rutherford, NJ 07070
https://www.bluefoundrybank.com
Member FDIC

Blue Foundry Bank CD Rates

Product Rate APY Term View More
3 MONTH CD 3.87% 3.95% 3
Min Deposit $1,000
Details With Checking
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
8 MONTH CD 3.78% 3.85% 8
Min Deposit $1,000
Details With Checking
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
7 MONTH CD 3.63% 3.70% 7
Min Deposit $1,000
Details With Checking
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
AXIS 12 MONTH CD SPECIAL 3.63% 3.70% 12
Min Deposit $1,000
Details with Blue Axis Checking® & Direct Deposit
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
9 MONTH CD 3.49% 3.55% 9
Min Deposit $1,000
Details With Checking
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
AXIS 36 MONTH CD SPECIAL 3.49% 3.55% 36
Min Deposit $1,000
Details with Blue Axis Checking® & Direct Deposit
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
AXIS 24 MONTH CD SPECIAL 3.44% 3.50% 24
Min Deposit $1,000
Details with Blue Axis Checking® & Direct Deposit
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
60 Month Term CDs 3.20% 3.25% 60
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
48 Month Term CDs 2.96% 3.00% 48
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
12 Month Term CDs 0.50% 0.50% 12
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
36 Month Term CDs 0.50% 0.50% 36
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
24 Month Term CDs 0.30% 0.30% 24
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
6 Month Term CDs 0.20% 0.20% 6
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%

Blue Foundry Bank Savings Rates

Product Rate APY View More
BLUE AXIS FUSION® SAVINGS 3.78% 3.85%
Min Deposit $5
Details Qualifications Required: direct deposits totaling $1,000 or more monthly; 10 (ten) or more Point-of-Sale (POS) Debit Card transactions monthly; Unlimited ATM cash withdrawal fee reimbursements worldwide2; No monthly maintenance fees; Early Pay available; Avoid a $2 monthly statement fee by enrolling in eBanking and selecting eStatements
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
BLUE AXIS EDGE ® SAVINGS 3.73% 3.80%
Min Deposit $5
Details Unlimited ATM cash withdrawal fee reimbursements worldwide2; No monthly maintenance fees; Early Pay available; Avoid a $2 monthly statement fee by enrolling in eBanking and selecting eStatements; Bonus will be earned when a single deposit of $15,000 or more of new money is deposited into the account and the balance is maintained for a 6-month (182 days) qualification period.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Axis Edge®Savings 3.73% 3.80%
Min Deposit $5
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
IRA Tiered Savings 3.63% 3.70%
Min Deposit $5
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Axis Edge®Savings 2.18% 2.20%
Min Deposit $5
Min Balance $250,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Carbon®Business Savings 1.54% 1.55%
Min Deposit $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Axis Edge®Savings 1.29% 1.30%
Min Deposit $5
Min Balance $5,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
IRA Tiered Savings 0.50% 0.50%
Min Deposit $5
Min Balance $15,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
BLUE AXIS®CLUB SAVINGS 0.10% 0.10%
Min Deposit $5
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
BLUE AXIS®SAVINGS 0.10% 0.10%
Min Deposit $5
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Simply-Safe Savings 0.10% 0.10%
Min Deposit $5
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Simply-Safe Savings 0.05% 0.05%
Min Deposit $5
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%

Blue Foundry Bank Money Market Rates

Product Rate APY View More
Blue Axis Edge®Money Market 3.78% 3.85%
Min Deposit $100
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Axis®Tiered Money Market 2.96% 3.00%
Min Deposit $100
Min Balance $1,000,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Axis®Tiered Money Market 1.98% 2.00%
Min Deposit $100
Min Balance $250,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Axis®Tiered Money Market 1.64% 1.65%
Min Deposit $100
Min Balance $20,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Carbon®Business Money Market 0.70% 0.70%
Min Deposit $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Axis Edge®Money Market - 0.00%
Min Deposit $100
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Axis®Tiered Money Market - 0.00%
Min Deposit $100
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%

Blue Foundry Bank Checking Rates

Product Rate APY View More
Blue Carbon Edge®Business Checking 1.88% 1.90%
Min Deposit $100
Min Balance $250,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Carbon®Business Checking 0.10% 0.10%
Min Deposit $100
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
BLUE AXIS®CHECKING 0.05% 0.05%
Min Deposit $1
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Carbon®Business Checking 0.05% 0.05%
Min Deposit $100
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
CLASSIC CHECKING 0.01% 0.01%
Min Deposit $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Carbon Edge®Business Checking - 0.00%
Min Deposit $100
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Carbon®Business Checking - 0.00%
Min Deposit $100
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%
Blue Carbon®Business Solutions Checking - 0.00%
Min Deposit $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.56%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Blue Foundry Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Blue Foundry Bank 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 Blue Foundry Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Blue Foundry Bank
Bank Holding Company BLUE FOUNDRY BCORP
Address 19 Park Ave, Rutherford, NJ 07070  ·  Bergen
FDIC Certificate # 30052
Established 04/10/1939
FDIC Insurance Date 08/09/1989
Domestic Offices 21
Total Branches 21
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.56%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) -0.1309%
Return on Equity (ROE) -0.9900%
Non-Performing Loans (NPL) 0.29%
Total Assets $2,162,432,000
Total Deposits $1,536,354,000
Equity Capital $269,659,000
Net Income $-6,162,000
Headquarters Rutherford
Total Offices 21
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

RApA
★★★★★
December 17, 2025
dEnw
Kathleen
★★★★★
July 20, 2025
Best bank ever. Amazing branch in Hackensack NJ . Nadia, Anthony and Rafael make me feel like a VIP every time I drop by. Thanking each of you. Kathy F.
Average Rating
★★★★★
Total Reviews
2
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Frequently Asked Questions About Blue Foundry Bank

Is Blue Foundry Bank a safe place to deposit money?

Yes, Blue Foundry Bank is considered a safe financial institution. With a Texas Ratio of 2.557040975247%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Blue Foundry Bank operate?

Blue Foundry Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Blue Foundry Bank 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, Blue Foundry Bank provides members with tools to manage their accounts and build a solid financial history.

Does Blue Foundry Bank offer online and mobile banking?

Most modern institutions like Blue Foundry Bank 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.bluefoundrybank.com.

Current Blue Foundry Bank Rates

  • 12-Month CD3.45%
  • 24-Month CD0.30%
  • 36-Month CD0.50%
  • 48-Month CD3.00%
  • 60-Month CD3.25%
  • Savings0.05%
  • MMA0.00%
Retrieved from our database of financial products. Rates subject to change.