What are the current interest rates at Bluestone Bank?

Current rates for Bluestone Bank include: 12-Month CD: 3.95%, 18-Month CD: 3.80%, 24-Month CD: 3.85%, 36-Month CD: 3.85%, 48-Month CD: 3.55%, 60-Month CD: 3.55%, Savings: 0.05%, MMA: 3.05%

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Bluestone Bank Rates & Review October 2026

Q: How many branches does Bluestone Bank operate?

Bluestone Bank currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bluestone 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Bluestone Bank's top rates as of October 11, 2026 are 3.95% APY on its 12-Month Fixed Rate CD, 0.05% APY on savings, 3.05% APY on money market accounts, and 3.25% APY on checking, according to rates verified by MonitorBankRates. Other Bluestone Bank CD rates include 24-Month Fixed Rate CD at 3.85%, 36-Month Fixed Rate CD at 3.85%, and 18-Month Fixed Rate CD at 3.80%. MonitorBankRates evaluates the financial stability of Bluestone Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.41%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.41%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Bluestone Bank

756 Orchard St
Raynham, MA 02767

https://www.bluestone.bank

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

Bluestone Bank CD Rates

Product	Rate	APY	Term
12 Month Fixed Rate CD	-	3.95%	12 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 3.95% ▲ 3.80 pts · high 3.95% / low 0.15% Oct 7, 20263.95%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
24 Month Fixed Rate CD	-	3.85%	24 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25% Oct 7, 20263.85%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
36 Month Fixed Rate CD	-	3.85%	36 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25% Oct 7, 20263.85%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
18 Month Fixed Rate CD	-	3.80%	18 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00% Oct 7, 20263.80%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
18 Month IRA CD	-	3.80%	18 Month
Min Deposit $200 Min Balance $10 Details Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00% Oct 7, 20263.80%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
9 Month Fixed Rate CD	-	3.80%	9 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
6 Month Fixed Rate CD	-	3.65%	6 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 3.65% ▲ 3.55 pts · high 3.65% / low 0.10% Oct 7, 20263.65%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
48 Month Fixed Rate CD	-	3.55%	48 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25% Oct 7, 20263.55%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
60 Month Fixed Rate CD	-	3.55%	60 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25% Oct 7, 20263.55%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
3 Month Fixed Rate CD	-	3.50%	3 Month
Min Balance $2,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%

Bluestone Bank Savings Rates

Product	Rate	APY
Holiday Club	0.05%	0.05%
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Statement Savings	0.05%	0.05%
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%

Bluestone Bank Money Market Rates

Product	Rate	APY	View More
Money Market	-	0.10%
Min Balance $2,500 Details Daily balances from $10.00 to $2,499.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%

Bluestone Bank Business Money Market Rates

Product	Rate	APY
Business Platinum Money Market	-	3.05%
Min Balance $25,000 Details Business Platinum Money Market (Daily balances from $10.00 to $24,999.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.) Note: Earn this high rate when you open a Business Platinum Money Market with money that is not already held in a Bluestone Bank account. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Money Market	-	3.00%
Min Balance $125,000 Details Balance: $125,000.00 or Greater Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Money Market	-	2.50%
Min Balance $100,000 Details Balance: Between $100,000.00 and $124,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Money Market	-	2.00%
Min Balance $75,000 Details Balance: Between $75,000.00 and $99,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Money Market	-	1.50%
Min Balance $50,000 Details Balance: Between $50,000.00 and $74,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Money Market	-	1.00%
Min Balance $25,000 Details Balance: Between $25,000.00 and $49,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Money Market	-	0.10%
Min Balance $2,500 Details Money Market (Daily balances from $10.00 to $2,499.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.) Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Money Market	-	0.05%
Min Balance $0 Details Balance: Less Than $25,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%

Bluestone Bank Checking Rates

Product	Rate	APY
AddVantage Checking	-	3.25%
Details Qualifications Required: 2 Automated Clearing House (ACH) credits of $250.00 or more each; This account is only for consumers and for new funds to the Bank. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. The APY will increase from 2.75% to 3.25% for each qualifying period with at least two (2) Automated Clearing House (ACH) credits of $250.00 or more each. Qualification period is defined as beginning three processing days before the first day of the monthly statement period, and ending three processing days before the last day of the monthly statement period. Processing days are defined as Monday through Saturday, and exclude Sundays and bank holidays. This period is used to determine your interest rate for each qualifying period, and the interest earned for each qualifying period will be credited to your account on the last business day of the month. Fees may reduce earnings on the account. Maximum of 6 withdrawals or debits allowed per monthly statement period. After that a $3 fee per withdrawal or debit will apply on every additional withdrawal or debit over 6. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
AddVantage Checking	-	0.50%
Min Balance $50,000 Details Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest is calculated and accrued on the account each day based on the amounts in each balance tier and the appropriate interest rate at the end of the day. Each daily accrual is accumulated and paid out at month end. Example: If you have $55,000 in your account every day of the statement cycle, APY on the daily balance of the first $10.01 up to and including $25,000.00 will be 0.01%, APY on the daily balance of the next $25,000.01 up to and including $50,000.00 will be 0.25%, and APY on the daily balance of the next $50,000.01 up to and including $75,000.00 will be 0.50%. Additional account information available upon request. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
AddVantage Checking	-	0.25%
Min Balance $25,000 Details Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest is calculated and accrued on the account each day based on the amounts in each balance tier and the appropriate interest rate at the end of the day. Each daily accrual is accumulated and paid out at month end. Example: If you have $55,000 in your account every day of the statement cycle, APY on the daily balance of the first $10.01 up to and including $25,000.00 will be 0.01%, APY on the daily balance of the next $25,000.01 up to and including $50,000.00 will be 0.25%, and APY on the daily balance of the next $50,000.01 up to and including $75,000.00 will be 0.50%. Additional account information available upon request. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
AddVantage Checking	0.10%	0.10%
Min Deposit $10 Min Balance $75,000 Details Balance: $75,000.00+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
AddVantage Checking	0.05%	0.05%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000.00 to $74,999.99 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
AddVantage Checking	-	0.01%
Min Balance $0 Details Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest is calculated and accrued on the account each day based on the amounts in each balance tier and the appropriate interest rate at the end of the day. Each daily accrual is accumulated and paid out at month end. Example: If you have $55,000 in your account every day of the statement cycle, APY on the daily balance of the first $10.01 up to and including $25,000.00 will be 0.01%, APY on the daily balance of the next $25,000.01 up to and including $50,000.00 will be 0.25%, and APY on the daily balance of the next $50,000.01 up to and including $75,000.00 will be 0.50%. Additional account information available upon request. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Free Checking for Seniors	0.01%	0.01%
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%

Bluestone Bank Business Checking Rates

Product	Rate	APY
Business Tiered Interest Checking	-	1.00%
Min Balance $100,000 Details Balance: $100,000.01 - $125,000.00; Interest rate paid on the daily balance of the next $100,000.01 to $125,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Interest Checking	-	1.00%
Min Balance $125,000 Details Balance: $125,000.01 or Greater; Interest rate paid on the daily balance of the next $125,000.01 or more Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Interest Checking	-	0.75%
Min Balance $75,000 Details Balance: $75,000.01 - $100,000.00; Interest rate paid on the daily balance of the next $75,000.01 to $100,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Interest Checking	-	0.50%
Min Balance $50,000 Details Balance: $50,000.01 - $75,000.00; Interest rate paid on the daily balance of the next $50,000.01 to $75,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Interest Checking	-	0.25%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00; Interest rate paid on the daily balance of the next $25,000.01 to $50,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%
Business Tiered Interest Checking	-	0.01%
Min Balance $10 Details Balance: $10.01 - $25,000.00; Interest rate paid on the daily balance of the first $10.01 up to and including $25,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.41%

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

Bluestone Bank’s Texas Ratio rose from 0.82% in Q3 2023 to 9.41% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.6B	9.41%	5.0	A
March 31, 2026	$1.6B	6.30%	5.0	A
December 31, 2025	$1.6B	0.93%	5.0	A+
September 30, 2025	$1.6B	0.46%	5.0	A+
June 30, 2025	$1.6B	0.84%	5.0	A+
March 31, 2025	$1.6B	1.11%	5.0	A+
December 31, 2024	$1.6B	0.55%	5.0	A+
September 30, 2024	$1.6B	0.54%	5.0	A+
June 30, 2024	$1.5B	0.04%	5.0	A+
March 31, 2024	$1.5B	2.14%	5.0	A+
December 31, 2023	$1.5B	0.22%	5.0	A+
September 30, 2023	$1.5B	0.82%	4.4	A

Source: FDIC 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 Bluestone 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 Bluestone 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 Bluestone Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bluestone Bank

Bank Holding Company BLUESTONE FINANCIAL MHC

Address 756 Orchard St, Raynham, MA 02767 · Bristol

Website https://www.bluestone.bank

FDIC Certificate # 90169

Established 18720319

FDIC Insurance Date 19850620

Domestic Offices 11

Total Branches 11

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.41%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3030%

Return on Equity (ROE) 3.7500%

Non-Performing Loans (NPL) 0.77%

Total Assets $1,621,698,000

Total Deposits $1,316,924,000

Equity Capital $131,845,000

Net Income $2,438,000

Headquarters Raynham

Total Branches and Offices 11

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Bluestone Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Bluestone Bank

How many branches does Bluestone Bank operate?

Bluestone Bank currently maintains approximately 11 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, Bluestone 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, Bluestone Bank provides members with tools to manage their accounts and build a solid financial history.

Does Bluestone Bank offer online and mobile banking?

Most modern institutions like Bluestone 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.bluestone.bank.