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iAdvertiser Disclosure
Advertiser Disclosure
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 Bluestone Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Bluestone Federal Credit Union's 60 MONTH CD rates are at 2.79%, 48 MONTH CD rates are at 2.73%, 36 MONTH CD rates are at 2.63%, 24 MONTH CD rates are at 2.53%, 18 MONTH CD rates are at 2.27%. Bluestone Federal Credit Union's money market rates are at 0.50%. Bluestone Federal Credit Union's Personal Loan Rates are at 12.00%. MonitorBankRates evaluates the financial stability of Bluestone Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.08%. Rates were last updated on 04/17/2026. Bluestone Federal 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 Bluestone Federal Credit Union? Share your experience about Bluestone Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bluestone Federal Credit Union. Bluestone Federal Credit Union
Southwest Branch 5010 S Solberg Ave
https://www.bluestonefcu.org Sioux Falls, SD 57108 2232 
Bluestone Federal Credit Union CD Rates
Bluestone Federal Credit Union Savings Rates
Bluestone Federal Credit Union Money Market Rates
Bluestone Federal Credit Union Home Equity & HELOC
Bluestone Federal Credit Union Credit Card Rates
Bluestone Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Bluestone Federal 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 Bluestone Federal 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 Bluestone Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Bluestone Federal Credit Union
Website
https://www.bluestonefcu.org
Address
5010 S Solberg Ave,
Sioux Falls, SD 57108 2232
Phone
605-367-7070
Fax
605-367-4344
President
Paul Buriak II
CEO
Alayna Johnson
Full-Time Employees
62
Part-Time Employees
2
Branch Locations
3
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.08%
Return on Assets (ROA)
0.8183%
Return on Equity (ROE)
9.1231%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
203,702,272
Total Amount of Shares and Deposits
174,562,351
Total Shares and Deposits < 1 Year
172,426,625
Total Shares and Deposits 1 3 Years
1,355,632
Total Shares and Deposits > 3 Years
780,095
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,305,975
Total Uninsured Shares and Deposits > $250K (F+J)
19,305,975
Total Insured Shares and Deposits > $250K (item 17 less item K)
155,256,376
Total Interest Expense (Sum of items 6 8)
1,692,178
Share Certificates
1,024
Number of Accounts for Share Drafts
8,875
IRA KEOGH Accounts
305
Number of Accounts for Regular Shares
15,155
Money Market Shares
888
Net Income (unless the amount is already included in Undivided Earnings)
1,666,856
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,634,234
Total Liabilities
184,393,250
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Bluestone Federal Credit UnionIs Bluestone Federal Credit Union a safe place to deposit money?Yes, Bluestone Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0794981397034%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Bluestone Federal Credit Union operate?Bluestone Federal 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 Bluestone Federal Credit Union?Yes, to access services at Bluestone Federal 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, Bluestone Federal 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, Bluestone Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Bluestone Federal Credit Union offer online and mobile banking?Most modern institutions like Bluestone Federal 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.bluestonefcu.org. Current Bluestone Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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