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Bluestone Federal Credit Union

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Bluestone Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Bluestone Federal Credit Union's Credit Card Rates are at 9.75%. 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 4.17%. Rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bluestone Federal Credit Union
Southwest Branch

5010 S Solberg Ave
Sioux Falls, SD 57108-2232

https://www.bluestonefcu.org

Bluestone Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic	-	9.75%
Details No Annual Fee Visa Classic Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Visa Platinum	-	9.75%
Details Visa Platinum with Rewards and No Annual Fee Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

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.
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Financial Health History

Bluestone Federal Credit Union’s Texas Ratio rose from 2.34% in Q2 2023 to 4.17% in Q1 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
March 31, 2026	$213M	4.17%	5.0	A+
December 31, 2025	$204M	5.10%	5.0	A+
September 30, 2025	$204M	4.83%	5.0	A+
June 30, 2025	$202M	2.71%	5.0	A+
March 31, 2025	$202M	3.38%	5.0	A+
December 31, 2024	$192M	4.03%	5.0	A+
September 30, 2024	$191M	2.18%	5.0	A+
June 30, 2024	$184M	2.74%	5.0	A+
March 31, 2024	$186M	2.34%	5.0	A+
December 31, 2023	$178M	2.86%	5.0	A+
September 30, 2023	$181M	3.33%	5.0	A+
June 30, 2023	$184M	2.34%	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 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 0

Branch Locations 3

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+ (98/100)

Texas Ratio

4.17%

Return on Assets (ROA)

0.2615%

Return on Equity (ROE)

2.8753%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

212,568,378

Total Amount of Shares and Deposits

179,750,882

Total Shares and Deposits < 1 Year

176,658,624

Total Shares and Deposits 1 3 Years

2,313,381

Total Shares and Deposits > 3 Years

778,878

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

21,400,114

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

21,400,114

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

158,350,768

Total Interest Expense (Sum of items 6 8)

511,748

Share Certificates

984

Number of Accounts for Share Drafts

9,098

IRA KEOGH Accounts

299

Number of Accounts for Regular Shares

15,076

Money Market Shares

930

Net Income (unless the amount is already included in Undivided Earnings)

555,789

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)

25,400,355

Total Liabilities

192,033,415

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Bluestone Federal 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 — no need to download or upload anything.

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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 Bluestone Federal Credit Union yet. Feel free to create one below.

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Average Rating

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Total Reviews

Add Your Rating and Review for Bluestone Federal Credit Union

Frequently Asked Questions About Bluestone Federal Credit Union

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.