What are the current interest rates at Blue Federal Credit Union?

Current rates for Blue Federal Credit Union include: Savings: 0.05%, MMA: 0.25%

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Blue Federal Credit Union

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Blue Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Blue Federal Credit Union?

Yes, to access services at Blue 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blue Federal Credit Union 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: September 20, 2026

Blue Federal Credit Union's 9-Month CD rates are at 4.11%. Blue Federal Credit Union's savings rates are at 0.05%. Blue Federal Credit Union's money market rates are at 0.25%. Blue Federal Credit Union's Auto Loan Rates are as low as 4.99%. Blue Federal Credit Union's Credit Card Rates are at 11.75%. MonitorBankRates evaluates the financial stability of Blue Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.71%. Rates last updated and verified on 09/20/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.71%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Blue Federal Credit Union
Corporate Headquarters

2401 E. Pershing Blvd
Cheyenne, WY 82001

https://www.bluefcu.com

Blue Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
9-Month Term Share	-	4.11%	9 months
Min Deposit $1,000 Details Lock in a 4.11% *APY for 9 months with $1,000 minimum deposit required to open. It's an easy way to grow your savings while taking advantage of this limited-time offer. Consumer accounts only. Open Term Share Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

Blue Federal Credit Union Savings Rates

Product	Rate	APY
Accelerated Savings	-	5.00%
Min Balance $1,000 Details Qualifying balance up to $1,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Accelerated Savings	-	5.00%
Details Limit one Accelerated Savings Account type per social security number. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Christmas Club Savings	-	1.25%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
IRA Savings	-	0.40%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Sky High Savings	-	0.30%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Business Savings	-	0.05%
Details Minimum to open and earn dividends is $5,000. Dividends compounded and paid monthly. Penalty may be imposed for early withdrawal. No minimum daily balance or monthly maintenance fee. First 50 deposited items are free per month. Dividends compounded and paid monthly. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

Blue Federal Credit Union Money Market Rates

Product	Rate	APY
Business Money Market	-	3.00%
Min Deposit $5,000 Min Balance $1,000 Details Minimum daily balance of $1,000 required to earn dividends. Dividends compounded and paid monthly. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Money Market	-	0.25%
Min Balance $100,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

Blue Federal Credit Union Checking Rates

Product	Rate	APY
Sky High with Elite Checking	-	2.25%
Details Must have an active Elite Checking to qualify. If Elite Checking is transitioned to any other checking product or is closed, rate will be changed to the current base rate. No limit on deposits or withdrawals. Offer subject to change at any time without advance notice. All other account terms and conditions apply. See your Member Service Agreement for more details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
NOVATM Perks Elite Checking	-	1.75%
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Account qualifies member for our best dividend rate on checking balances up to $15,000. Account qualifies member for an interest benefit on regular term shares. Offer cannot be combined with Promotional Term Share rates. Account in good standing is eligible for an Interest Rebate applied to auto, boat, recreational vehicle, and personal loans booked after NOVA PerksTM by Blue launch date. Loan payments must be made from the qualified Elite Blue checking account. Rebate will be deposited into the share during the month following loan payments made on time and with good funds. Rebate value may be reported for tax purposes as required by IRS regulations, see your tax professional for more information. Nonpayment of the monthly account fee will result in transfer to the Basic plan which does not qualify for the full program benefit, see Basic account disclosure for more details. See Truth in Savings Disclosure for rate details. Offer subject to change without notification. Must be 18 years or older. Insured by NCUA. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
NOVATM Perks Premium Checking	-	0.35%
Details Enrollment in NOVA PerksTM by Blue, Premium account qualifies member for partial program benefits. Certain benefit options must be paid from the Premium checking to be covered, see BaZing Guide to Benefits for more details. Premium checking account will incur a monthly fee and will be deducted from the account at the beginning of the month. Nonpayment of the monthly fee will result in transfer to the Basic account, see Basic account disclosure for more details. Account will not be taken to a negative balance for fee payment. Courtesy Pay may not be used to pay the monthly fee. Enrollment in NOVA PerksTM by Blue, Premium account qualifies member for a dividend rate on checking balances up to $15,000. See Truth in Savings Disclosure for rate details. Offer subject to change without notification. Must be 18 years or older. Insured by NCUA. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Business Plus Checking	-	0.25%
Details No minimum daily balance or monthly maintenance fee. First 50 deposited items are free per month. Dividends compounded and paid monthly. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

Blue Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	6.50%
Details A Home Equity Line of Credit (HELOC), is a revolving line of credit secured by the equity in the home. Draw period is 10 years. During the Draw period, the minimum monthly payment will equal the amount of interest accrued at the end of your monthly billing cycle. Repayment period is up to 20 years, minimum monthly payment is $100 or the amount necessary to amortize the outstanding balance, with interest over 20 years from the beginning of the repayment period, whichever is greater. A HELOC is a variable-rate loan subject to change monthly and is indexed to the prime rate as published in the Wall Street Journal. Your Annual Percentage Rate will be a variable APR based upon the prime rate, plus a margin subject to a maximum APR of 18.00%. Your margin will be based on several factors including your credit history, combined loan to value ratio, loan amount and occupancy, so your rate may differ. Rates, terms and conditions are subject to change at any time without prior notice. Final closing costs depend on the location of the property, property type and the amount of the loan. Closing costs up to $1,000 to be paid by Blue Federal Credit union, excluding appraisals. Borrower agrees that in the event the mortgage on the property is paid in full and/or closed within 24 months of the loan term, borrower will be required to immediately repay all costs paid by Blue FCU. Loans subject to final credit approval. Property insurance on the property against hazards and/or flood damage that secures the HELOC is required to open the HELOC. Subject property must be located in Wyoming or Colorado. Underwriting criteria apply. Ask for more information Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

Blue Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Electric and Hybrid Car Loans	-	-	4.99%
Details This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Car Loans	-	-	5.49%
Details This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

Blue Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
ATV Loans	-	6.49%
Details This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Boats & Watercraft Loans	-	6.49%
Details This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
RVs Loan	-	6.49%
Details This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

Blue Federal Credit Union Credit Card Rates

Product	Rate	APR
Pathways Credit Card	-	11.75%
Details Regular APR: 19.99% - 29.99% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Business Rewards Credit Card	-	13.75%
Details Regular APR: 19.99% - 29.99% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Cash Back Credit Card	-	13.75%
Details Regular APR: 19.99% - 29.99% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Everyday Rewards Credit Card	-	13.75%
Details Regular APR: 19.99% - 29.99% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

Blue Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
FinishLine	-	-	5.25%
Details This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Fixed Second	-	-	6.00%
Details This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%
Membership Share	-	-	0.05%
Min Deposit $5 Details A Membership Share Savings account with a minimum $5 deposit is required to establish and maintain membership with Blue Federal Credit Union. Membership eligibility requirements apply. The Membership Share Savings account provides access to Blue's products and services, including checking accounts, loans, credit cards, and digital banking services. Fees, terms, and conditions may apply. Refer to the account agreement and rate disclosures for complete details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.71%

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

Blue Federal Credit Union’s Texas Ratio fell from 10.17% in Q2 2023 to 8.71% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union 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
March 31, 2026	$2.2B	8.71%	5.0	A
December 31, 2025	$2.2B	11.06%	5.0	A
September 30, 2025	$2.1B	12.37%	5.0	A
June 30, 2025	$2.1B	11.91%	5.0	A
March 31, 2025	$2.1B	13.54%	5.0	A
December 31, 2024	$2.1B	15.43%	5.0	A-
September 30, 2024	$2.1B	13.69%	5.0	A
June 30, 2024	$2.1B	12.49%	5.0	A
March 31, 2024	$2.1B	11.44%	5.0	A
December 31, 2023	$1.9B	11.49%	5.0	A
September 30, 2023	$1.9B	12.06%	5.0	A
June 30, 2023	$1.9B	10.17%	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 Blue 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 Blue 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 Blue Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Blue Federal Credit Union

Website https://www.bluefcu.com

Address 2401 E. Pershing Blvd, Cheyenne, WY 82001

Phone 307-829-7612

Fax

President Mark Stege

CEO Stephanie Propps

Full-Time Employees 344

Part-Time Employees 13

Branch Locations 28

ATM Locations 27

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.71%

Return on Assets (ROA)

0.1284%

Return on Equity (ROE)

1.5363%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

2,243,223,606

Total Amount of Shares and Deposits

1,849,375,147

Total Shares and Deposits < 1 Year

1,778,066,596

Total Shares and Deposits 1 3 Years

60,629,232

Total Shares and Deposits > 3 Years

10,679,318

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

208,827,902

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

208,827,902

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

1,640,547,245

Total Interest Expense (Sum of items 6 8)

10,805,807

Share Certificates

10,453

Number of Accounts for Share Drafts

62,110

IRA KEOGH Accounts

2,502

Number of Accounts for Regular Shares

200,773

All other shares

594

Non Member Deposits

Money Market Shares

3,160

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)

54,007,458

Total Liabilities

2,080,594,565

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Blue Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Blue Federal Credit Union

How many branches does Blue Federal Credit Union operate?

Blue 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 Blue Federal Credit Union?

Yes, to access services at Blue 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, Blue 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, Blue Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Blue Federal Credit Union offer online and mobile banking?

Most modern institutions like Blue 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.bluefcu.com.

Current Blue Federal Credit Union Rates

Savings0.05%
MMA0.25%

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

Compare to Other Credit Unions

Blue Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Blue Federal Credit Union Texas Ratio

Blue Federal Credit Union Health Trend

Blue Federal Credit Union CD Rates

Blue Federal Credit Union Savings Rates

Blue Federal Credit Union Money Market Rates

Blue Federal Credit Union Checking Rates

Blue Federal Credit Union Home Equity & HELOC

Blue Federal Credit Union Auto Loan Rates

Blue Federal Credit Union RV, Boat and Powersport Loan Rates

Blue Federal Credit Union Credit Card Rates

Blue Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Blue Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Blue Federal Credit Union

How many branches does Blue Federal Credit Union operate?

Is a member application needed to join Blue Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Blue Federal Credit Union offer online and mobile banking?

Current Blue Federal Credit Union Rates

Compare to Other Credit Unions