Charts and graphs.

Rates

We like to keep it competitive. Whether you're interested in saving or earning, you'll find what you need here.

Loan Rates


Loans

Term APR*
Auto Varies As low as 5.49%
New Recreational Vehicle Varies As low as 7.49%
Home Equity Line of Credit (variable) Varies As low as 8.00%
Certificate Pledge

Credit union certificate of deposit used to fully secure the loan

Up to $250,000 Competiive Loan Rates
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Credit union savings account(s) used to fully secure the loan

Varies As low as 3.00%
Signature Loan Varies As low as 11.00%
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Mastercard® Credit Cards

APR*
Classic 13.90%
Platinum 9.90%
Personal Credit Cards Business Credit Cards

Dividend Rates


For the quarter ending 12/31/2023, month ending 01/31/2024. A lapsed date indicates that the rates and yield for the current Dividend Period have not been declared by the Board of Directors.

Savings Account

Rate APY**
My Choice 0.05% 0.05%
Christmas Club 0.05% 0.05%
Primary Shares (Savings) 0.05% 0.05%

A balance of at least $100 must be maintained in account to earn dividends.

Individual Retirement Account (IRA)

Balance Rate APY**
$100.00 + 0.05% 0.05%
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Interest Rates


Certificates of Deposit Special Terms Promotion

Term Interest Rate (APR*) Annual Percentage Yield (APY**)
7 Month (New Money Only)

If automatic renewal is selected, 7-month certificate of deposit will renew at a 6-month term and interest rate in effect at that time.

5.12% 5.25%
9 Month

If automatic renewal is selected, 9-month certificate of deposit will renew at a 12-month term and interest rate in effect at that time.

4.88% 5.00%

Rates accurate as of 02/01/2024. Limited-time rate and terms begin on 02/01/2024. BluCurrent reserves the right to change rates at any time. For additional terms of agreement refer to BluCurrent Credit Union Membership Agreement and Truth in Savings Disclosure or call 417-887-1983. Your savings federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government.

Certificates of Deposit (Personal & Business)

Term Balance APR* APY**
6 Month
$1,000.00 - $24,999.99 4.49% 4.60%
$25,000.00 - $49,999.99 4.59% 4.70%
$50,000.00 - $74,999.99 4.68% 4.80%
$75,000.00 - $99,999.99 4.78% 4.90%
$100,000.00 + 4.87% 5.00%
12 Month
$1,000.00 - $24,999.99 3.53% 3.60%
$25,000.00 - $49,999.99 3.63% 3.70%
$50,000.00 - $74,999.99 3.73% 3.80%
$75,000.00 - $99,999.99 3.82% 3.90%
$100,000.00 + 3.92% 4.00%
24 Month
$1,000.00 - $24,999.99 3.34% 3.40%
$25,000.00 - $49,999.99 3.44% 3.50%
$50,000.00 - $74,999.99 3.53% 3.60%
$75,000.00 - $99,999.99 3.63% 3.70%
$100,000.00 + 3.73% 3.80%
36 Month
$1,000.00 - $24,999.99 3.05% 3.10%
$25,000.00 - $49,999.99 3.15% 3.20%
$50,000.00 - $74,999.99 3.24% 3.30%
$75,000.00 - $99,999.99 3.34% 3.40%
$100,000.00 + 3.44% 3.50%
48 Month
$1,000.00 - $24,999.99 3.05% 3.10%
$25,000.00 - $49,999.99 3.10% 3.15%
$50,000.00 - $74,999.99 3.15% 3.20%
$75,000.00 - $99,999.99 3.19% 3.25%
$100,000.00 + 3.24% 3.30%
60 Month
$1,000.00 - $24,999.99 2.95% 3.00%
$25,000.00 - $49,999.99 2.95% 3.00%
$50,000.00 - $74,999.99 2.95% 3.00%
$75,000.00 - $99,999.99 2.95% 3.00%
$100,000.00 + 2.95% 3.00%
Learn more about Business Certificates

The minimum amount required to open a Regular Certificate is $1000. IRA certificates available in these terms. Penalty may apply for early withdrawal. Rates effective 02/01/2024.

Money Market (Personal)

Balance Rate APY**
$2,500.00 - $49,999.99 3.00% 3.05%
$50,000.00 - $99,999.99 3.25% 3.30%
$100,000 - $249,999.99 3.50% 3.56%
$250,000 - $499,999.99 4.00% 4.08%
$500,000 + 4.50% 4.60%

To open a money market account, visit one of our branch locations, launch a video banking call, give us a call or message us through online or mobile banking.

Money Market (Business)

Balance Rate APY**
$2,500.00 - $49,999.99 3.50% 3.56%
$50,000.00 - $99,999.99 3.75% 3.82%
$100,000 - $249,999.99 4.00% 4.08%
$250,000 - $499,999.99 4.25% 4.34%
$500,000 + 4.50% 4.60%

To open a money market account, visit one of our branch locations, launch a video banking call, give us a call or message us through online or mobile banking.

Learn more about Business Money Markets

Share Draft

Balance Rate APY**
Prosper Checking
$0.00 - $7,500.00
$7,500.01 +
4.88%
0.05%
5.00%
5.00% - 0.05%
Growth Savings
$0.00 - $7,500.00
$7,500.01 +
0.25%
0.05%
0.25%
0.25% - 0.05%

If you do not meet the Rate/Reward Qualifications for Prosper Checking and Growth savings, the interest rate paid on the entire balance will be 0.01% with an Annual Percentage Yield of 0.01%. If you meet the Rate/Reward Qualifications you will be paid the tiered rates. The interest rates and annual percentage yield may change every calendar month based on the determination of the Board of Directors.

*APR = Annual Percentage Rate

**APY = Annual Percentage Yield