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 7.00% |
| Certificate Pledge Credit union certificate of deposit used to fully secure the loan |
Up to $250,000 | Competitive Loan Rates |
| Share Loan 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% |
| Apply for a Loan Now | ||
Mastercard® Credit Cards
| APR* | |
|---|---|
| Classic | 13.90% |
| Platinum | 9.90% |
| Personal Credit Cards Business Credit Cards | |
Dividend Rates
For the quarter ending 12/31/2022, month ending 02/28/2023. 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 - $1,999.99 | 0.05% | 0.05% |
| $2,000.00 - $9,999.99 | 0.05% | 0.05% |
| $10,000.00 - $24,999.99 | 0.05% | 0.05% |
| $25,000 + | 0.05% | 0.05% |
| Open an IRA | ||
Interest Rates
Certificates of Deposit Special Terms Promotion
| Term | Interest Rate (APR*) | Annual Percentage Yield (APY**) |
|---|---|---|
| 14 Month | 4.25% | 4.34% |
| 19 Month | 4.00% | 4.08% |
Rates accurate as of 03/01/2023. Limited-time rate and terms begin on 03/01/2023. Minimum opening deposit of $1,000.00 required to be eligible for promotional terms and rate. BluCurrent reserves the right to change rates at any time. If automatic renewal is selected, 14-month certificate of deposit will renew at a 12-month term and interest rate in effect at that time, and 19-month certificate of deposit will renew at a 24-month term and interest rate in effect at that 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 | Interest Rate (APR*) | Annual Percentage Yield (APY**) | ||
|---|---|---|---|---|
| 6 Month | 2.50% | 2.53% | ||
| 12 Month | 3.00% | 3.05% | ||
| 24 Month | 3.25% | 3.30% | ||
| 36 Month | 3.00% | 3.05% | ||
| 48 Month | 2.75% | 2.79% | ||
| 60 Month | 2.50% | 2.53% | ||
| 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 03/01/2023.
Money Market (Personal & Business)
| Balance | Rate | APY** | ||
|---|---|---|---|---|
| $2,500.00 - $49,999.99 | 1.50% | 1.51% | ||
| $50,000.00 - $99,999.99 | 1.75% | 1.77% | ||
| $100,000 - $249,999.99 | 2.00% | 2.02% | ||
| $250,000 - $499,999.99 | 2.25% | 2.28% | ||
| $500,000 + | 2.50% | 2.53% | ||
|
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 |
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*APR = Annual Percentage Rate
**APY = Annual Percentage Yield