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 4.49% |
| New Recreational Vehicle | Varies | As low as 7.49% |
| Home Equity Line of Credit (variable) | Varies | As low as 6.50% |
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Certificate Pledge
Credit union certificate of deposit used to fully secure the loan |
Up to $250,000 | Competitive Loan Rates |
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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% |
Mastercard® Credit Cards
| APR* | |
|---|---|
| Classic | 13.90% |
| Platinum | 9.90% |
| Personal Credit Cards Business Credit Cards | |
Dividend Rates
For the quarter ending 09/30/2026, month ending 09/30/2026. 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
| APY** | |
|---|---|
| My Choice | 0.05% |
| Christmas Club | 0.05% |
| Primary Shares (Savings) | 0.05% |
A balance of at least $100 must be maintained in account to earn dividends.
Individual Retirement Account (IRA)
| Balance | APY** | |
|---|---|---|
| $100.00 + | 0.05% | |
| Open an IRA | ||
Interest Rates
Certificates of Deposit Special Terms Promotion
| Term | Minimum Balance | APY** |
|---|---|---|
| 15 Month | $1,000.00 | 4.00% |
If automatic renewal is selected, promotional certificate of deposit will renew at a 12-month term and interest rate in effect at that time. Rates accurate as of 10/01/2026. Limited-time rate and terms begin on 10/01/2026. 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)
| Terms | APY** | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 6 Month | up to 3.60% | ||||||||||
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| 12 Month | up to 3.60% | ||||||||||
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| 24 Month | up to 3.60% | ||||||||||
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| 36 Month | up to 3.60% | ||||||||||
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| 48 Month | up to 3.60% | ||||||||||
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| 60 Month | up to 3.60% | ||||||||||
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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 10/01/2026.
Money Market for Personal and Business
| Balance | APY** |
|---|---|
| $2,500.00 - $49,999.99 | 2.40% |
| $50,000.00 - $99,999.99 | 2.65% |
| $100,000 - $249,999.99 | 2.90% |
| $250,000 - $499,999.99 | 3.15% |
| $500,000 + | 3.40% |
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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. |
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*APR = Annual Percentage Rate
**APY = Annual Percentage Yield