savings rates
last dividend declaration date: February 1, 2025
| Dividend Rate | APY* | Minimum Balance to Earn |
|---|---|---|
| Regular Savings** | ||
| 0.10% | 0.10% | $5.00 |
| Special Savings | ||
| 0.10% | 0.10% | $5.00 |
| Amped Savings | ||
| 4.89% | 5.00% | $0.01 |
| Trailblazers Youth Banking Program*** | ||
| 2.10% | 2.12% | $5.00 |
| Club Accounts | ||
| 0.10% | 0.10% | $5.00 |
| IRA Savings | ||
| 0.50% | 0.50% | $5.00 |
*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
| Dividend Rate | APY* |
|---|---|
| Minimum $0 to $24,999.99 | |
| 0.70% | 0.70% |
| Minimum $25,000 to $49,999.99 | |
| 0.80% | 0.80% |
| Minimum $50,000 to $99,999.99 | |
| 0.90% | 0.90% |
| $100,000 and above | |
| 0.99% | 1.00% |
*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.
| Dividend Rate | APY* | Minimum Balance |
|---|---|---|
| Amped Checking | ||
| Balances up to $10,000 | ||
| 4.89% | 5.00% | $0.01 to $10,000 |
| Balances $10,000.01 and above | ||
| 0.01% | 5.00% - 0.01% | $10,000.01 and above |
*APY = Annual Percentage Yield. Balances over $10,000 receive a 0.01% APY. In order to earn the high dividend, the member must meet the following qualifications: Member must be enrolled in eStatements, have a valid email address on file, log into their Online Banking at least once a month, swipe their BlueOx Debit Card at least 15 times a month, and have at least $500 direct deposited into the account a month. Note that BlueOx Credit Union posts transactions based on how they are received from the merchants. Fees may reduce earnings.
| Term | Dividend Rate | APY* |
|---|---|---|
| $50 Minimum Deposit. | ||
| 3 Month | 1.10% | 1.10% |
| 6 Month | 1.50% | 1.51% |
| 12 Month | 2.15% | 2.17% |
| 18 Month | 1.90% | 1.92% |
| 24 Month | 2.10% | 2.12% |
| 36 Month | 2.30% | 2.33% |
| 48 Month | 2.50% | 2.53% |
| 60 Month | 2.70% | 2.73% |
| 9 Month CD Promotion** | 2.83% | 3.90% |
| Youth Certificates: .75% Rate Increase for Trailblazer Youth Program Members. $50 Minimum Deposit.*** | ||
| 12 Month | 2.15% | 2.17% |
| 24 Month | 2.10% | 2.12% |
| 48 Month | 2.50% | 2.53% |
*APY = Annual Percentage Yield. Fees may reduce earnings. Federally insured by the NCUA.
**APY = Annual Percentage Yield. APY is accurate as of October 13, 2025. Fees may reduce earnings. To receive the promotional rate of 3.90% APY, the 9-month CD must be opened with a minimum of $500. Rates are subject to change without prior notification. Penalties will apply for withdrawal before the maturity date of the CD. Dividends are posted monthly. Limited-time offer. Federally insured by the NCUA.
Go to main navigation