Blue Federal Credit Union Money Market Deposit Review: $1600 Bonus + 3.75% APY (Nationwide)

Available to residents nationwide, Blue Federal Credit Union Money Market Deposit is offering a 3.75% APY rate + up to $1,600 bonus.

Update 12/1/25: You can currently earn up to $1600 bonus through December!

• Start your savings journey this December with promo code GIFT — available for new customers only. Open your first account, fund within 14 days, and earn cash rewards all year long. The more you save, the more you earn up to $1600.
• Deposit $10,000 earns a $15 quarterly bonus (up to $60 bonus).
• Deposit $25,000 earns a $38 quarterly bonus (up to $150 bonus).
• Deposit $50,000 earns a $75 quarterly bonus (up to $300 bonus).
• Deposit $100,000 earns a $150 quarterly bonus (up to $600 bonus).
• Deposit $250,000 earns a $400 quarterly bonus (up to $1600 bonus).

Terms:

• New customers to the Raisin platform only. New customers are eligible to earn a cash bonus each quarter for all of 2026 when they deposit and maintain funds with partner banks and credit unions on the Raisin platform subject to the following terms. To qualify, sign up and initiate your first deposit between December 1, 2025, and December 31, 2025 using promo code GIFT during signup. Qualified new customers will then receive a quarterly bonus based on their Eligible Deposit balance maintained on the Raisin platform for each quarter. Quarterly bonus tiers for Eligible Deposit balances are: $15 for balances between $10,000 and $24,999, $37.50 for balances between $25,000 and $49,999, $75 for balances between $50,000 and $99,999, $150 for balances between $100,000 and $249,999, and $400 for balances of $250,000 or more. “Eligible Deposits” are defined as both funds on deposit and deposits initiated on the Raisin platform by the 14th day of a calendar quarter (the “Qualification Date”). To qualify for a bonus tier, your Eligible Deposit balance must remain above the minimum for a bonus tier from the Qualification Date until the end of that quarter. If your Eligible Deposit balance declines at any time during a quarter after the Qualification Date, you will be placed in the bonus tier corresponding to your lowest Eligible Deposit balance for that quarter even if you subsequently deposit additional funds in that same quarter (though such funds will count as Eligible Deposits for the following quarter). Customers may increase their Eligible Deposit balance and corresponding potential bonus tier by adding funds prior to the quarterly Qualification date (i.e., the first 14 days of the quarter). Bonus payouts for each quarter will be credited directly to your Cash Account within 30 days of that quarter’s end. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.

About Blue Federal Credit Union Money Market Deposit

Blue Federal Credit Union was originally chartered in 1951 as Warren Federal Credit Union by a group of civilian personnel at F.E. Warren Air Force Base, located in the Cheyenne, Wyoming, area. For the following 70-plus years, the organization has transformed through expansion, successful mergers and an ever-growing membership base to become a financial institution that today is all about empowering people to tap into the potential of their money, life and community. “Blue” nods not only to Air Force Blue, but also to a deep connection to the Rockies, to limitless open skies — and to a promise of financial opportunity that’s equally boundless.

I’ll review the Blue Federal Credit Union Money Market Deposit account below.

Blue Federal Credit Union Money Market Deposit Rate

• Account Type: Money Market Deposit
• Interest Rate: 3.75% APY
• Availability: Nationwide, Online
• Minimum Balance: None
• Maximum Balance: None
• Credit Inquiry: Hard Pull or Soft Pull? Let us know
• Opening Deposit: $1
• Credit Card Funding: Unknown
• Monthly Fee: None
• Early Termination Fee: None listed, check with CSR

(NCUA Insured)

Blue Federal Credit Union ACH Capabilities & Limits

Editor’s Note: Help us with the table above in the comment section if you have experience with Blue Federal Credit Union’s ACH capabilities.

How to Earn Blue Federal Credit Union Rate

1. Open a Money Market Deposit account from Blue Federal Credit Union with an opening deposit of $1.
2. Maintain any balance amount over $1 and earn the 3.75% APY rate.

Why You Should Sign Up For This Account

• Federally insured by NCUA. No fees. $1 minimum to open.
• Security: Funds deposited into any of the products accessible are held by federally insured institutions. We use a host of cybersecurity measures to protect your funds and sensitive information.
• Choice: Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.
• Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.
• Service: A supportive, accessible, responsive customer service team based in New York, NY.
• Access: Enjoy 24/7 online access to your account and funds.

Bottom Line

Check out Blue Federal Credit Union and open a Money Market Deposit account this amazing rate! The fact that you can earn a high rate on any balance makes this Savings Account all worthwhile. Let us know about your experience with this bank and comment below.

Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.

For more bank offers, see the complete list of Best Bank Rates!

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