savings rates

savings accounts
Effective Date: Sunday, February 5, 2023
Dividend RateAPY*Minimum Balance
Regular Savings
0.03% 0.03% $100.00
Special Savings
0.05% 0.05% $100.00
BlueOx Bright Beginnings Youth Accounts
0.10% 0.10% $5.00
Club Accounts
0.05% 0.05% $100.00
IRA Savings
0.05% 0.05% $5.00

*APY = Annual Percentage Yield. Rates subject to change without prior notification. Fees may reduce earnings.

money market
Effective Date: Sunday, February 5, 2023
Dividend RateAPY*
Minimum $2,500 to $24,999.99
0.05% 0.05%
Minimum $25,000 to $74,999.99
0.10% 0.10%
Minimum $75,000 to $149,999
0.15% 0.15%
$150,000 and above
0.20% 0.20%

*APY = Annual Percentage Yield. Rates subject to change without prior notification. Fees may reduce earnings.

tiered savings rates
Effective Date: Sunday, February 5th, 2023
Minimum BalanceDividend RateAPY*
Everyday Savings Money Market
$100 - $10,000 2.25% 2.27% APY*
$10,000.01 - $150,000 3.20% 2.27% - 3.18% APY*
$150,000.01 and above 0.01% 0.01% - 3.18% APY*

*APY = Annual Percentage Yield. Rates subject to change without prior notification. Fees may reduce earnings.Everyday Savings is a tiered rate savings account. Balances $100-$10,000 will earn 2.27% APY, balances $10,000.01-$150,000 will earn 2.27% - 3.18% APY. All balances over $150,000 will earn 0.01% - 3.18% APY. New money is required to open this account, new money is defined as funds not currently on deposit with BlueOx Credit Union. Limited time only offer.

checking accounts
Effective Date: Sunday, February 5, 2023
Dividend RateAPY*Minimum Balance
eXclusive Checking
1.25% 1.26% $0.01 to $7,500

*APY = Annual Percentage Yield. Rates subject to change without prior notification. Fees may reduce earnings.

certificates
Effective Date: Sunday, February 5, 2023
TermDividend RateAPY*
Minimum Deposit $50 and above
3 Month 0.60% 0.60%
6 Month 1.00% 1.01%
12 Month 1.40% 1.41%
18 Month 1.40% 1.41%
24 Month 1.60% 1.61%
36 Month 1.80% 1.82%
48 Month 2.00% 2.02%
60 Month 2.20% 2.22%
CD Special - Minimum Deposit $50 and above†
11 Month 3.20% 3.25%
Build Your Own CD‡ 4.17% 4.25%
Youth Certificates - $50 minimum deposit. Includes "add-on" feature, and receive a rate increase every time the CD is renewed.
3 Month 0.85% 0.85%
6 Month 1.25% 1.26%
12 Month 1.65% 1.66%
24 Month 1.85% 1.87%
36 Month 2.05% 2.07%
48 Month 2.25% 2.27%
60 Month 2.45% 2.48%

*APY = Annual Percentage Yield. Fees may reduce earnings. Federally insured by the NCUA.

†minimum of $50 in new money deposited. New money is defined as money not currently on deposit with BlueOx Credit Union. Allows for additional deposits as well as one rate increase per members request throughout the term of the CD. Penalties still apply for withdrawal before the maturity date of the CD.

‡minimum of $50 deposit of new money required to open. New money is defined as money not currently on deposit with BlueOx Credit Union. Member chooses the term, available terms are 3,6, 12, 18, and 24 months. Rates subject to change without prior notification. 

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