Blue Federal Credit Union Adds Competitive 15-Month CD Special


Deal Summary: 15-month CD Special, 5.50% APY, $1k minimum deposit.

Availability: Easy membership requirement

Wyoming-based Blue Federal Credit Union (Blue FCU) recently added a 15-month CD Special to its product line. Earning 5.50% APY, this limited-time offer can be opened with a $1k minimum deposit, with no stated balance cap. The 15-month CD Special is one of five nationally available “New To Summary” CDs (18-month category) in yesterday’s CD Deals Summary.

The 15-month CD Special has the highest and most competitive APY in the Blue FCU CD product line. While add-on and bump-up options are available on some of the Blue FCU CDs, the 15-month CD Special offers neither.

Early Withdrawal Penalty

As stated on the Savings Rate page, the Early Withdrawal Penalty reads as follows:

If the term of the account is more than one year and less than three years,
the penalty will equal 180 days’ dividends on the amount withdrawn.

According to CSR, partial withdrawals are allowed as long as the CD balances does not fall below $1k. If a withdrawal is made within 180 days of opening, the CD principal will be reduced.


Headquartered in Cheyenne, Wyoming, Blue Federal Credit Union’s field of membership provides a way for almost all U.S. citizens and resident aliens to join.

Easy Membership - Joining the Blue Foundation qualifies for Blue FCU membership, regardless of employment or residency status. When you open an account and deposit $10, $5 will be used to set up your membership and the other $5 will go the Blue Foundation.

Employment - Active employees, members, volunteers, retirees, pensioners, or annuitants of nearly 1,200 Wyoming and Colorado businesses are eligible to join.

Military Relationship - Civilian and military personnel stationed at F.E. Warren Air Force Base qualify for membership, as do other military personnel. Complete details are listed on Blue FCU’s “Who Can Join” page.

Family Relationship - Family and household members of current Blue FCU members are also eligible to join.

Account Opening

Joining Blue FCU and/or opening a CD Special can be done online, by phone (800.368.9328), or at any of eight Wyoming branches located in Cheyenne (6) and Laramie (2), or 12 Colorado branches located in Boulder, Broomfield (2), Denver, Erie, Fort Collins (3), Granby, Lafayette, Loveland, Superior, and Wellington. Appointments are available and can be scheduled online.

Establishing a new Blue FCU membership requires a minimum $5 deposit into a Primary Savings Account.

Blue FCU participates in both the CO-OP Share Branched and ATM networks, giving members access to,

over 5,000 shared branches, allowing you to bank in person almost anywhere. With
Blue, you’ll also have access to over 30,000 fee-free CO-OP ATMs across the country.

Funding and Other Details

The following is from a Live Chat with CSR.

  • Funding – ACH, wire, check, internal transfer, shared branch transaction.
  • CO-OP Shared Branch Participant – Yes.
  • Ownership – Individual or joint.
  • Dividends – Compounded/credited monthly; can be transferred to a Blue FCU Primary Savings account.
  • Maturing Funds – Internal transfer to a Blue FCU checking/savings account.
  • Beneficiaries – Unlimited, percentages can be assigned, Social Security numbers are not required.
  • Grace Period – 7 calendar days before automatic renewal.
  • Credit Check – Hard pull through Transunion when joining.

Credit Union Overview

Blue Federal Credit Union has an overall health grade of "B" at, with a Texas Ratio of 9.38% (excellent) based on March 31, 2023 data. In the past year, Blue FCU increased its total non-brokered deposits by $23.69 million, an above average annual growth rate of 1.66%. Please refer to our financial overview of Blue Federal Credit Union (NCUA Charter # 7361) for more details.

Blue Federal Credit Union was originally established in 1951 as the Warren Federal Credit Union, formed by civilian employees on the F.E. Warren Air Force Base in Cheyenne. The Credit Union was rebranded as Blue Federal Credit Union in April 2016, following a merger between Warren FCU and Community Financial Credit Union of Broomfield, Colorado. This merger was the second largest consolidation approved by NCUA in the first quarter of 2016. At the beginning of 2020, Blue FCU purchased two Liberty Savings Bank branches, expanding its footprint in Colorado, including its first branch inside the Denver city limits. Blue FCU is currently the largest Wyoming-based credit union, with more than 122,000 members and assets in excess of $1.8 billion

How the 15-Month CD Special Compares

When compared to similar length-of-term CDs tracked by that are available nationally and have minimum deposit requirements of $10k or less, one bank and one credit union have higher rates than currently offered on the Blue Fed Credit Union 15-month CD Special. The following table compares the 15-month CD Special to the two highest-rate CDs from banks and the two highest-rate CDs from other credit unions. (FYI – the Blue FCU 15-month CD Special currently has the highest APY offered on nationally available 15-month CDs.)

The above information and rates are accurate as of 8/31/2023.

To look for the best CD rates, either nationwide or state-specific, please refer to our CD Rates Table page.

Related Pages: Denver CD rates, Colorado Springs CD rates, Cheyenne CD rates, 1-year CD rates, IRA CD rates, nationwide deals

Blue Federal Credit Union Has $200 Checking Bonus
Deal Summary: $200 checking bonus for new members

Availability: 11/29/2021 Update: Currently only available for in-branch application. Easy membership requirement

Rather than offering Black Friday deals, Wyoming-based Blue Federal Credit Union (Blue FCU) is offering several “Blue Friday” deals, including a $200 bonus for joining members who open a checking account with direct deposit. This offer is available now through December 10, 2021 to individuals “who have not held a Blue membership within the previous 90 days.”

As stated on the Blue Friday promotion page,

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Blue Federal Credit Union's Competitive 60-Month CD Rates
Deal Summary: 60-month CD, 1.55% APY ($100k), 1.45% APY ($50k), 1.35% APY ($1k).

Availability: Easy membership requirement

Earlier this month, I wrote about Blue Federal Credit Union’s (Blue FCU) 48-month CD, which was a “New To Summary” CD in the August 11 CD Rates Summary. Yesterday’s CD Rates Summary includes another NTS CD from Blue FCU – the 60-month. This long-term CD currently offers three tiered APYs: 1.55% APY ($100k), 1.45% APY ($50k), and 1.35% APY ($2k). In the past ten months, the 60-month CD top...

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Blue Federal Credit Union Offers Competitive CDs and Checking
Deal Summary: 48-month CD, 1.45% APY ($100k min); 30-month add-on CD, 1.25% APY ($100k min); Extreme Checking up to 3.50% APY ($15k max)

Availability: Easy membership requirement

Another “New to Summary” CD in this week’s CD Rates Summary is Blue Federal Credit Union’s (Blue FCU) 48-month CD. This long-term CD currently offers three tiered APYs: 1.45% APY ($100k), 1.35% APY ($50k), and 1.25% APY ($2k). In the past year, the 48-month CD went from a high of 2.85% APY to the current 1.45% APY in a series of...

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Blue Federal Credit Union Has 17-Month CD Special, Up To 2.75% APY
Deal Summary: 17-month Term Share Special, up to 2.75% APY, $2k minimum deposit, new money

Availability: Easy membership requirement

Wyoming-based Blue Federal Credit Union (Blue FCU) has a new, limited-time offering: a 17-month Term Share Special, which can earn up to 2.75% APY. If funds already on deposit at Blue FCU are used, the APY will be 2.25%. The key to earning higher APYs is new money, defined as “money transferred from a different financial institution.” According to the landing page,

What is missing from the quote...

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Blue FCU's Extreme Checking Can Earn Up to 4.00% APY
Availability: Easy membership requirement

Wyoming-based Blue Federal Credit Union’s (Blue FCU) Extreme Checking is a reward checking account with three different rate tiers (Sapphire, 4.00% APY; Gold, 3.00% APY; and Silver, 2.00% APY – all up to $15k) that are determined by your Rewards For Life score.

All members automatically qualify for the Silver tier (2.00% APY), while the Gold and Sapphire tiers require more account relationships to qualify.

The Extreme Checking account must first meet the “criteria for earning dividend” requirements in order to qualify for one of the three...

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