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% |
|
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 09/30/2025, month ending 11/30/2025. 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% |
| Open an IRA | ||
Interest Rates
Certificates of Deposit Special Terms Promotion
| Term | Balance | Interest Rate (APR*) | Annual Percentage Yield (APY**) |
|---|---|---|---|
|
5 Month
If automatic renewal is selected, 5-month certificate of deposit will renew at a 6-month term and interest rate in effect at that time. |
$1,000.00 + | 3.92% | 4.00% |
Rates accurate as of 12/05/2025. Limited-time rate and terms begin on 12/05/2025. Penalty may apply for early withdrawal. 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)
| Balance | 6 Month APR* / APY** |
12 Month APR* / APY** |
24 Month APR* / APY** |
36 Month APR* / APY** |
48 Month APR* / APY** |
60 Month APR* / APY** |
|---|---|---|---|---|---|---|
| $1,000.00 - $24,999.99 | 3.54% / 3.60% | 3.39% / 3.45% | 3.34% / 3.40% | 3.34% / 3.40% | 3.34% / 3.40% | 3.34% / 3.40% |
| $25,000.00 - $49,999.99 | 3.63% / 3.70% | 3.44% / 3.50% | 3.44% / 3.50% | 3.44% / 3.50% | 3.44% / 3.50% | 3.44% / 3.50% |
| $50,000.00 - $99,999.99 | 3.68% / 3.75% | 3.49% / 3.55% | 3.49% / 3.55% | 3.49% / 3.55% | 3.49% / 3.55% | 3.49% / 3.55% |
| $100,000.00 + | 3.73% / 3.80% | 3.54% / 3.60% | 3.54% / 3.60% | 3.54% / 3.60% | 3.54% / 3.60% | 3.54% / 3.60% |
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 12/05/2025.
Money Market for Personal and Business
| Balance | APR* / APY** |
|---|---|
| $2,500.00 - $49,999.99 | 2.37% / 2.40% |
| $50,000.00 - $99,999.99 | 2.62% / 2.65% |
| $100,000 - $249,999.99 | 2.86% / 2.90% |
| $250,000 - $499,999.99 | 3.20% / 3.25% |
| $500,000 + | 3.44% / 3.50% |
|
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