Blue Federal Credit Union Money Market Deposit Review: $1200 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 $1200 bonus.

Update 6/2/26: You can currently earn up to $1200 bonus through 6/30/26!

• Earn up to $1,200 when you sign up and fund your account using code SUMMER26. Earn even more with an extra cash boost when you set your savings on autopilot.
• Claim your welcome bonus. Enter promo code SUMMER26 at sign-up and deposit a total of $10,000 or more within 14 days to secure your base cash bonus and unlock the optional recurring deposit reward.
• Add an extra boost (optional). To earn an additional reward, schedule two or more recurring deposits within your first 90 days. You are eligible for a maximum additional bonus based on your deposit tier, allowing you to choose your matching recurring bonus tier or any tier below it.
  • Deposit $10,000 – $24,999, earns a $50 cash bonus (+$10 bonus boost) = $60 total bonus
  • Deposit $25,000 – $49,999 earns a $125 cash bonus (+$25 bonus boost) = $150 total bonus
  • Deposit $50,000 – $99,999 earns a $250 cash bonus (+$50 bonus boost) = $300 total bonus
  • Deposit $100,000 – $199,999 earns a $500 cash bonus (+$100 bonus boost) = $600 total bonus
  • Deposit $200,000 or more earns a $1,000 cash bonus (+$200 bonus boost) = $1,200 total bonus
• Get rewarded. Maintain your balance for 90 days. Once all promotional requirements are met, your total combined cash bonus will be credited to your account within 30 days.

Terms:

• New customers only. Earn a cash bonus (the “Base Bonus”) when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $50 for depositing between $10,000 and $24,999; $125 for depositing between $25,000 and $49,999; $250 for depositing between $50,000 and $99,999; $500 for depositing between $100,000 and $199,999; and $1,000 for depositing $200,000 or more.
• Customers may earn an additional bonus by setting up a recurring deposit within 14 days of their initial deposit (the “Recurring Deposit Bonus”). To qualify, the recurring deposit must be established within 14 days of the initial deposit date and it must execute at least two (2) times within 90-days of the initial deposit. Recurring Deposit Bonus eligibility is determined by your Base Bonus tier:
  • Customers depositing between $10,000–$24,999 with aggregate recurring deposits of $100 or greater receive a $10 bonus
  • Customers depositing between $25,000–$49,999 with aggregate recurring deposits of $250 or greater receive a $25 bonus
  • Customers depositing between $50,000–$99,999 with aggregate recurring deposits of $500 or greater receive a $50 bonus
  • Customers depositing between $100,000–$199,999 with aggregate recurring deposits of $1,000 or greater receive a $100 bonus
  • Customers depositing between $200,000+ with aggregate recurring deposits of $2,000 or greater receive a $200 bonus
• Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus. However, setting up a recurring deposit greater than your Base Bonus tier’s required threshold will not qualify you for a higher Recurring Deposit Bonus.
• The Recurring Deposit Bonus is paid in addition to the Base Bonus. To qualify for the Base Bonus and Recurring Deposit Bonus, your first deposit must be initiated between June 1, 2026, and June 30, 2026, by 11:59 PM ET, and the promo code SUMMER26 must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for the Base Bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. 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!

Check back often to see the latest info on Money Market Deposit Account.