Blue Federal Credit Union Review: Checking, Savings, CD, Money Market and IRA Accounts

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Updated on Tuesday, September 1, 2020

Blue Federal Credit Union’s checking account options

Extreme Checking

This account offers some fantastic benefits, but you’ll need to meet some requirements each month to get them.
QualificationsAPYMinimum Balance to Earn APY
Sapphire Member3.50%
$0.01 to $15,000
Gold Member2.50%
$0.01 to $15,000
Silver Member1.50%
$0.01 to $15,000
Balances over $15,0000.05%
$15,000.01+
  • Minimum opening deposit: None
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: Blue Federal Credit Union will refund up to $21 in domestic ATM surcharge fees (the fees that out-of-network ATMs themselves charge) if you meet the monthly requirements for this account. Each individual ATM surcharge fee reimbursement is limited to just $3.
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit; if you do this, any transfers to cover overdrafts are free.

This is a pretty confusing checking account at first glance, but if you can meet the requirements, it will be worth it. First things first: There are two different sets of criteria that dictate what you’ll get out of this account.

First is Blue Federal Credit Union’s Rewards program. This program offers higher interest rates on certain accounts (like this one) based on various factors: this includes how long you’ve been with Blue Federal Credit Union, how many accounts you have, and others.

There are three levels of rewards: Sapphire, Gold, and Silver. Each one offers different interest rates, which you can see in the interest table above. The good news is that anyone can get at least Silver membership just by having even one account open, so by default you qualify for at least the lowest-tier rates (which are still excellent).

Second are the requirements that come with this account specifically. Each month, in order to earn any interest at all, you’ll need to meet each of these three requirements:

  • Have at least one direct deposit, ACH deposit or withdrawal, or online bill payment post to your account
  • Be signed up for eStatements (with a valid email address)
  • Have at least 10 debit card transactions (not including ATM transactions) post to your account

If you can meet all of these requirements, you’ll not only earn great interest rates on balances up to $15,000, but you’ll also be eligible for reimbursement of up to $21 in domestic ATM surcharge fees per month. Each individual surcharge fee must be $3 or under — if you make an ATM withdrawal for $4.50, for example, you’ll still only be reimbursed for $3.

How to get Blue Federal Credit Union’s Extreme Checking account

You can apply for membership and open this account at a local branch or online. You’ll also need to be at least 18 years old, with a Social Security number and a valid government ID. If you’re not yet a member, you’ll need to deposit at least $5 in a Share Savings account to establish your membership first.

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on Blue Federal Credit Union’s secure website

NCUA Insured

Earn Five Checking

This account offers nickel-back rewards. No, not the crappy band — real cashback money.
  • Minimum opening deposit: None
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: None
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit. If you do this, any transfers to cover overdrafts are free.

Blue Federal Credit Union has a wide ATM network. Still, if you use ATMs frequently and don’t happen to live near one, this might be one account to avoid — it doesn’t offer ATM surcharge fee reimbursements like with the Extreme Checking account.

But if that’s not as important to you (or you do live near a convenient ATM cluster), this account might work better for you. This account doesn’t offer interest, but there are other ways to make this account pay off. Specifically, you can get $0.05 back with each debit card purchase (after the 5th) if you meet the following requirements each month:

  • sign up for eStatements
  • make at least six debit card purchases
  • have at least one automatic deposit or credit per month (like direct deposit or bill pay)

You can earn up to $25 from these rewards — that means you theoretically would need to make 506 debit card purchases per month to max out your rewards — quite a feat. Each month your rewards will be tallied up and deposited into your account just like it was an interest payment. You can even specify which account you want the rewards deposited into, so you could specify a savings account if you wanted.

How to get Blue Federal Credit Union’s Earn Five Checking account

If you’re not a Blue Federal Credit Union member yet, you’ll first need to apply for membership, either online or at a branch. You’ll need to provide all the usual things like your Social Security Number, driver’s license, address, current bank’s routing number, etc… You’ll also need to deposit at least $5 in a Share Savings account. After this is done, you can open an Earn Five Checking account.

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on Blue Federal Credit Union’s secure website

Basic Checking

This is a good baseline checking account if all you want to do is write checks.
  • Minimum opening deposit: None
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: None
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit. If you do this, any transfers to cover overdrafts are free.

You’ve seen that some of Blue Federal Credit Union’s checking accounts, while good, can be a little complicated. If that turns you off and all you want to do is just write checks, this account might be a better option for you. That’s because this account doesn’t offer any interest or any rewards, but it’s free and you can use it to write checks.

This account also comes with all the normal things that each bank account offers, like bill pay, online banking, a debit card and ATM access.

How to get Blue Federal Credit Union’s Basic Checking account

Anyone can join Blue Federal Credit Union by going through the application process and depositing at least $5 in a Share Savings account. You’ll need to provide your Social Security Number, government ID, address, and current bank routing information to apply and open this account.

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on Blue Federal Credit Union’s secure website

uAccount Checking

This special checking account is designed for people age 23 and under.
  • Minimum opening deposit: None
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: None
  • Overdraft fee: $30 per item. Blue Federal Credit Union does not allow you to set up a backup overdraft savings account with this checking account.

It’s a good idea to let kids and young adults try out checking accounts before you release them into the world as a newly-fledged adult — that’s where this account comes into play.

Any child or teen under age 18 can open this account as long as they have a parent or guardian agree to be a joint owner on the account (someone has to steer the reigns, after all). People aged 18 to 23 are also eligible for this free checking account, and they won’t need a parental joint owner if they don’t want.

This account doesn’t come with overdraft protection, so unfortunately you won’t be able to link up a savings account in order to get free overdraft transfers. This means that any overdrafts will incur a high $30 fee.

How to get Blue Federal Credit Union’s uAccount Checking

If you’re opening this account with a child who’s under age 18, you’ll need to provide your child’s birth certificate as proof of identity. You will also need to provide your Social Security number and a government-issued ID. You’ll also need to open an account in person — online applications are not accepted, unfortunately.

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on Blue Federal Credit Union’s secure website

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How Blue Federal Credit Union’s checking accounts compare

Blue Federal Credit Union only offers interest on one of its checking accounts. But for that one account, it offers a fantastic rate, especially if you can qualify for one of the higher tiers through its Rewards program. In fact, the interest rate offered on this account is right on par with our current picks for best online checking accounts.

Even better, each of these accounts has a good fee structure. There’s no monthly fee on any of these accounts (even as they offer some very good interest rates and rewards on the Extreme Checking and Earn Five Checking accounts). The overdraft fee is high, but if you link up another account for overdraft protection, transfers are completely free (many banks charge a transfer fee for this service).

Overall, we give Blue Federal Credit Union’s checking accounts a thumbs-up.

Blue Federal Credit Union’s savings account options

Membership Share Savings

This is a required account for all Blue Federal Credit Union members, but you can also open “Supplemental Savings” accounts for specific purposes.
APYMinimum Balance to Earn APY
0%
$25
  • Minimum opening deposit: $5
  • Minimum balance to earn APY: $25
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: None
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit. If you do this, any transfers to cover overdrafts are free.

There’s no getting around it: If you want to open any account at Blue Federal Credit Union, you’ll need to open this account first to establish your membership. It only takes $5 to open this account, but if you want to earn any interest, you’ll need to put in at least $25.

Other than that, it’s a pretty typical basic savings account. You can also open “Supplemental Savings” accounts, which are essentially just multiple Share Savings accounts. This is handy if you want to parse out all your different savings goals. You could have one Supplemental Savings account each for car savings and one for vacation savings, for example. Each Supplemental Savings account doesn’t require a minimum deposit, so you can get started saving right away.

How to get Blue Federal Credit Union’s Membership Share Savings account

This is the account that everyone starts with at Blue Federal Credit Union. To apply, you’ll need to provide your Social Security Number, address, valid ID, and the routing number for your current bank.

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on Blue Federal Credit Union’s secure website

NCUA Insured

Sky High Savings

This account offers a simple, no-strings-attached way to earn a good interest rate.
APYMinimum Balance to Earn APY
0.65%
$0.01
  • Minimum opening deposit: None
  • Minimum balance to earn APY: $0.01
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: None
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit. If you do this, any transfers to cover overdrafts are free.

This unique account proclaims to offer an easy way to earn a high interest rate with no catch, and from what we can tell, there really aren’t any catches. You can put in as much as you want, with no minimum or maximum balance amounts. There are no monthly fees either.

About the only thing limited on this account are your withdrawals. You’re limited up to six certain withdrawals per month — to be fair, these limits are imposed by federal regulations and apply to all savings and money market accounts. You can get around these limits by making withdrawals in person, to pay a Blue Federal Credit Union loan, by mail, or by ATM, because these types of withdrawals are unlimited.

How to get Blue Federal Credit Union’s Sky High Savings account

You can apply for this account after you become a member. To become a member, you’ll need to deposit at least $5 in a Share Savings account (so, you’ll need to open at least two savings accounts to complete the process).

SEE DETAILS Secured

on Blue Federal Credit Union’s secure website

NCUA Insured

Accelerated Savings

This savings account offers an ultra-high interest rate — but only on the first $1,000.
APYMinimum Balance to Earn APY
5.00%
$25 to $1,000
0.10%
Over $1,000.01
  • Minimum opening deposit: $25
  • Minimum balance to earn APY: $25
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: None
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit. If you do this, any transfers to cover overdrafts are free.

You can earn a very high interest rate with this savings account, but there’s only one catch: That high interest rate is limited to just the first $1,000 in the account. Still, it’s an especially good account for people just getting started with their savings, because you’ll see interest compound a lot faster than with a normal savings account.

There are a few requirements to earn the interest rate, however. First, you’ll need to have at least $25 in the account; balances under $25 don’t earn anything. Second, you’ll need to set up a monthly deposit into the account of at least $5 per month (and no, the interest payments don’t count toward this).

If you can maintain these two requirements each month, your interest payment will be deposited into your account on a monthly basis; if you don’t meet the requirements, you won’t earn any interest at all. You’re also limited up to six certain withdrawals per month as per federal Regulation D, but withdrawals made by ATM, by mail, in person, or to pay a Blue Federal Credit Union loan don’t count towards this limit.

How to get Blue Federal Credit Union’s Accelerated Savings account

You can sign up for this account if you’re already a member of Blue Federal Credit Union. If you’re not yet a member, you’ll first need to apply for membership. To seal the deal, you’ll need to deposit at least $5 in a Share Savings account. After that, you can open this account.

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on Blue Federal Credit Union’s secure website

NCUA Insured

Christmas Club Savings

For a Christmas Club account, this offers a very good interest rate.
APYMinimum Balance to Earn APY
1.25%
$25-$5,000
0.10%
Over $5,000.01
  • Minimum opening deposit: None
  • Minimum balance to earn APY: $25
  • Monthly account maintenance fee: None
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit. If you do this, any transfers to cover overdrafts are free.

Going into debt over the holidays is about as American as apple pie — but it doesn’t have to be. This account can help you save up for the holidays so you don’t go into debt. The idea is that you open it early so you can save throughout the year. Then in mid-October — on International Credit Union Day, celebrated on the third Thursday in October — the full balance is paid out into your Share Savings account. You can then transfer it into your checking account just in time to spend it over the holiday shopping season.

Lest you be tempted to pull the money out too early, the credit union imposes a pretty stiff penalty. If you make any withdrawals at all, the entire account will be closed and you’ll forfeit the most recent interest payment. You also won’t be eligible to open another Christmas Club Savings account in the same year.

How to get Blue Federal Credit Union’s Christmas Club Savings account

You can open this account at any time by applying online or at a local Blue Federal Credit Union branch, if you happen to live in Cheyenne, Laramie, or northern Colorado. You’ll need to provide the credit union with your address, Social Security Number, and a valid ID in order to open an account. You’ll also need to deposit at least $5 in a Share Savings account.

SEE DETAILS Secured

on Blue Federal Credit Union’s secure website

NCUA Insured

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How Blue Federal Credit Union’s savings accounts compare

The savings accounts offered at Blue Federal Credit Union are a bit yin-and-yang. Unsurprisingly, its mainstay Share Savings account doesn’t offer a very good interest rate. In fact, we’d say it’s downright poor.

But its Christmas Club and Accelerated Savings accounts do offer out-of-this-world rates, with a catch: That high interest rate only applies up to a certain balance amount. Its Sky High Savings account does offer a good all-around rate on all balance levels, but it’s still possible to find even higher interest rates (like with one of these online savings accounts). But as far as credit unions go, it’s actually quite a good rate.

Overall, we’d say that if you prefer to bank with a local credit union, these savings accounts are excellent choices (especially compared to many big-name banks that operate branches on every street corner). But again, you can always find higher-earning accounts elsewhere.

Blue Federal Credit Union’s CD rates

Term Shares

These interest rates aren’t really that great, even if you qualify for the top-tier levels.
TermSilver Members APYGold Members APYSapphire Members APY
6 months0.30%
0.80%
1.05%
12 months0.50%
1.05%
1.30%
24 months0.70%
1.50%
1.75%
30 months expandable0.80%
1.30%
1.55%
36 month0.90%
1.55%
1.80%
48 month1.10%
1.70%
1.95%
60 month1.20%
2.00%
2.25%
  • Minimum opening deposit: $2,000
  • Minimum balance amount to earn APY: $2,000
  • Early withdrawal penalty: This depends on your CD’s term length:
    • If you have a 6-month or 12-month CD, you’ll pay 90 days’ worth of interest
    • If you have a 24-month or 36-month CD, you’ll pay 180 days’ worth of interest
    • If you have a 48-month or 60-month CD, you’ll pay 240 days’ worth of interest

You can earn one of three different levels of interest rates with these CDs, depending on which Rewards program you fall into: as mentioned earlier, Blue Federal Credit Union awards you points for things like how long you’ve had your account open and how many accounts you have. Everyone by default has at least one point since your membership comes with a Share Savings account, so you’ll at least qualify for the lowest-tier interest rates.

Once you open your CD, you generally won’t be able to make any additional deposits, unless you have the 30-month expandable CD. This one allows you to make as many deposits as you want, but you’ll still need to wait until the CD matures before you can withdraw any money penalty-free.

Unlike many CDs, these ones don’t automatically renew when they mature. Instead, Blue Federal Credit Union will contact you in advance of your CD maturing to find out what you want to do. You can either have the CD deposited into another account, or set it up to open into a new CD once it matures.

How to get Blue Federal Credit Union’s Term Shares

Unlike many of its accounts, Blue Federal Credit Union doesn’t support online applications for its CDs. Instead, you’ll have to contact the credit union directly to sign up for an account.

SEE DETAILS Secured

on Blue Federal Credit Union’s secure website

NCUA Insured

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How Blue Federal Credit Union’s CD rates compare

This credit union may offer good rates on its checking and savings accounts, but it falls short in the interest rate department for its CDs. The current best CD accounts are offering rates two to three times higher than Blue Federal Credit Union. Even if you qualify for the highest Rewards tier, the interest rates offered on other CDs are much, much better than with these accounts.

One important point we’d like to make is about Blue Federal Credit Union’s 30-month expandable CD. At first glance it sounds like a good deal because you can keep depositing money into it whenever you want. But compare the interest rate of this CD to Blue Federal Credit Union’s Sky High Savings — that savings account has an even higher interest rate, and you’re not limited to making a withdrawal to once every 30 months. We’d instead steer you to that account if the expandable CD sounds like something you’d be interested in.

Blue Federal Credit Union’s money market account options

Money Market

This money market account offers lower rates than on many of Blue Federal Credit Union’s other accounts.
APYMinimum Balance to Earn APY
0.10%
$1,000-$14,999.99
0.20%
$15,000-$24,999.99
0.25%
$25,000-$74,999.99
0.35%
$75,000-$99,999.99
0.45%
Over $100,000
  • Minimum opening deposit: $1,000
  • Minimum balance to earn APY: $1,000
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: None
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit. If you do this, any transfers to cover overdrafts are free.

Given that Blue Federal Credit Union’s Sky High Savings account offers a much, much better rate than this money market account (and on all balance amounts, not just high ones), we’re not really sure why you’d want to open this money market savings account. About the only thing it offers that’s different from a savings account is the ability to write checks directly from the money market account.

Still, this isn’t a full-fledged checking account: it still falls under the rules of federal Regulation D, so you are allowed to make up to six certain withdrawals in a month (including by check). You can, however, make an unlimited number of withdrawals by mail, in person, at an ATM, or to pay a Blue Federal Credit Union loan.

Blue Federal Credit Union says that you do need to keep at least $1,000 in the account in order to earn the interest rates associated with this money market account; you can drop your balance below that level, but then the credit union will pay you the Share Savings rates instead. Since the Share Savings rates are currently the same as the lowest tier on this money market account, that means there’s essentially no minimum balance needed to earn interest. Feel free to drop the balance as low as you like.

How to get Blue Federal Credit Union’s Money Market account

If you do decide you want this account, you can apply online in just a few minutes. You can also apply in person at a branch if you happen to live near one. Remember to bring your driver’s license or government ID, since you’ll need it to open an account. You’ll also need to deposit at least $5 in a Share Savings account to complete setting up your membership.

SEE DETAILS Secured

on Blue Federal Credit Union’s secure website

NCUA Insured

Ultra Money Market

Getting warmer, rate-wise — but still way off.
APYMinimum Balance to Earn APY
0.10%
$2,500-$99,999.99
0.55%
Over $100,000
  • Minimum opening deposit: $2,500
  • Minimum balance to earn APY: $2,500
  • Monthly account maintenance fee: None
  • ATM fee: None
  • ATM fee refund: None
  • Overdraft fee: $30 per item. You can also designate an overdraft protection account or line of credit. If you do this, any transfers to cover overdrafts are free.

Again, we’ve noticed a trend with this account: it’s supposed to pay a higher interest rate (and it does), but it’s still far below even Blue Federal Credit Union’s own Sky High Savings account. So unless you really want to be able to write checks from your savings-type account and are willing to sacrifice higher interest payments for it, we suggest opening the Sky High Savings account instead.

This account also says you need to keep at least $2,500 packed away, lest you be relegated to earning the lowly Share Savings rates. But since those poor rates are the same that this account currently offers (unless you have a huge whopping balance of at least $100,000), that means there’s essentially no penalty for keeping however much you want in here.

That means this account is probably best for folks who a) keep a balance larger than $100,000, and b) want to be able to write checks from the account. You can only write a limited number of checks, however, since federal Regulation D rules limit this account up to six certain withdrawals per month. Still, you can get around these limits by making your withdrawals in person, by ATM, by mail, or to pay a Blue Federal Credit Union loan, since these don’t fall under Regulation D.

How to get Blue Federal Credit Union’s Ultra Money Market account

Before you can open an Ultra Money Market account, you’ll need to apply for membership. This entails depositing at least $5 in a Share Savings account and completing an application. You’ll need to provide details like your Social Security Number, address, a government ID and the routing number for your current bank (that’s one hefty transfer to make to open the account, after all).

SEE DETAILS Secured

on Blue Federal Credit Union’s secure website

NCUA Insured

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How Blue Federal Credit Union’s money market accounts compare

Money market accounts are another product category that Blue Federal Credit Union doesn’t do that well. Its money market accounts are currently paying out around four times less than many of the best money market accounts available today.

Blue Federal Credit Union offers much better interest rates on its own savings accounts. Normally it’s the other way around — money market accounts offer higher interest rates than savings accounts — but not at this credit union. That’s why we suggest looking elsewhere for a money market account, or at least opening one of Blue Federal Credit Union’s savings accounts instead if you’re looking to earn higher interest rates.

Blue Federal Credit Union’s IRA account options

IRA CD

We don’t recommend Blue Federal Credit Union’s IRA CDs because they come with extra fees.
TermSilver Members APYGold Members APYSapphire Members APY
6 months0.30%
0.80%
1.05%
12 months0.50%
1.05%
1.30%
24 months0.70%
1.50%
1.75%
36 month0.90%
1.55%
1.80%
48 month 1.10%
1.70%
1.95%
60 month1.20%
2.00%
2.25%
  • Minimum opening deposit: $2,000
  • Minimum balance amount to earn APY: $2,000
  • Early withdrawal penalty: This depends on your IRA CD’s term length:
    • If you have a 6-month or 12-month CD, you’ll pay 90 days’ worth of interest
    • If you have a 24-month or 36-month CD, you’ll pay 180 days’ worth of interest
    • If you have a 48-month or 60-month CD, you’ll pay 240 days’ worth of interest

Blue Federal Credit Union offers IRA CDs for those interested in saving up for retirement within an NCUA-insured account. One of the nice things about these IRA CDs is that you can make deposits at any time into the IRA CD. This essentially makes it just a high-interest savings account that you can only withdraw from once the term length is up. Most banks don’t allow you to deposit money into IRA CDs after it’s open, so this is definitely a pro for this account.

But balancing out that pro, there’s a con. Unlike at most banks, this IRA CD comes with an annual fee: $10, to be exact. And if you ever want to roll over the money in your IRA to another bank or investment institution, there’ll be a $25 transfer fee.

Blue Federal Credit Union will contact you before your IRA CD matures to see what you want to do with it. You can opt to transfer it to another IRA at that point (be mindful of the $25 transfer fee), or you can open another IRA CD. It does not automatically renew like most IRA CDs, meaning that this is a more hands-on IRA CD than most — you can’t just set it and forget it.

How to get Blue Federal Credit Union’s IRA CDs

If you still choose to open a Blue Federal Credit Union IRA CD, despite the high fees, you’ll need to either head to a local Blue Federal Credit Union branch or contact them by phone. The credit union does not support online applications for these accounts, unfortunately.

SEE DETAILS Secured

on Blue Federal Credit Union’s secure website

NCUA Insured

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How Blue Federal Credit Union’s IRA CD rates compare

Just like with its regular CDs, Blue Federal Credit Union falls behind in the interest rate department with its IRA CDs. This is unfortunate, since it’s already hard for most folks to save enough for retirement; offering subpar interest rates doesn’t help that situation out much.

Instead, we recommend these IRA CDs because they offer much higher interest rates that will help you save even more for retirement.

Another reason to skip Blue Federal Credit Union’s IRA CDs is because they come with unavoidable fees. This is something we haven’t seen with many (or any, really) banks or credit unions before — IRA annual and transfer fees are commonplace with equity investments like stocks and index funds, but not with regular ol’ bank accounts.

Overall review of Blue Federal Credit Union’s products

We really like Blue Federal Credit Union for a few of its accounts — namely, its checking and savings accounts generally do offer very good interest rates and low fees. We especially like that the credit union doesn’t charge ATM fees (and even reimburses fees that other ATMs charge in some cases), it offers a fee-free way to get around overdrafts by linking up an overdraft transfer account and carries no monthly fees on these accounts.

What it doesn’t do so well is its money market, CD, and IRA CD accounts. In terms of the money market accounts — you can do much better with Blue Federal Credit Union’s savings accounts, so why bother? Its CDs and IRA CDs also offer subpar interest rates, and that’s even further compounded with annual and transfer fees that come along with each IRA CD. Save your time and take your business elsewhere for these products.

All in all, Blue Federal Credit Union is a great choice for your everyday banking needs. But for longer-term savings accounts, we suggest opening an account at a higher-yielding institution. They won’t be hard to find, especially if you look online.

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