savings rates
last dividend declaration date: September 1, 2024
| Dividend Rate | APY* | Minimum Balance |
|---|---|---|
| Regular Savings | ||
| 0.10% | 0.10% | $100.00 |
| Special Savings | ||
| 0.10% | 0.10% | $100.00 |
| eXclusive Savings | ||
| 4.89% | 5.00% | $0.01 |
| BlueOx Bright Beginnings Youth Accounts | ||
| 0.10% | 0.10% | $5.00 |
| Club Accounts | ||
| 0.10% | 0.10% | $100.00 |
| IRA Savings | ||
| 0.50% | 0.50% | $5.00 |
*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.
| 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 |
|---|---|---|
| eXclusive 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* |
|---|---|---|
| Minimum Deposit $50 and above | ||
| 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% |
| CD Special - Minimum Deposit $500 and above† | ||
| 4 Month | 3.93% | 4.00% |
| Youth Certificates - $50 minimum deposit. Includes "add-on" feature, and receive a rate increase every time the CD is renewed. | ||
| 3 Month | 1.35% | 1.36% |
| 6 Month | 1.75% | 1.77% |
| 12 Month | 2.40% | 2.43% |
| 24 Month | 2.35% | 2.38% |
| 36 Month | 2.55% | 2.58% |
| 48 Month | 2.75% | 2.79% |
| 60 Month | 2.95% | 2.99% |
*APY = Annual Percentage Yield. Fees may reduce earnings. Federally insured by the NCUA.
†APY = Annual Percentage Yield. APY is accurate as of February 1, 2025. Fees may reduce earnings. To receive the promotional rate of 4.00% APY, the 4-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.
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