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.

4.00*%-$15kBlue Federal Credit UnionExtreme Checking
3.00*%-$15kBlue Federal Credit UnionExtreme Checking Gold - Qualifying
2.00*%-$15kBlue Federal Credit UnionExtreme Checking Silver - Qualifying
Accounts mentioned in this post. Rates as of October 24, 2016.

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

  • At least 10 debit card transaction per month.
  • An automatic deposit or withdrawal in place.
  • Be enrolled in eStatements.

Rewards For Life

The tiered rates are based on Blue FCU’s Rewards For Life program. As stated on the Rewards For Life page,

Your rewards score is determined through a combination of your number of unique services, length
of membership and total savings and loan balances. Each product and service is worth one (1) point
and your years of membership and combined relationship balances varies in points awarded.

Sapphire status requires 9+ points, with Gold requiring 6-8 points and Silver 0-5 points. A complete breakdown of the Rewards Points Structure is available on the website.

The Extreme Checking account is fee-free and has no minimum balance requirement. It is available as a personal account only and there is a limit of one Extreme Checking account per member. ATM fees are refunded up to $21 per qualification cycle, with a $3 limit per transaction.

Do Gooders

Blue FCU has a Do Gooders promotion available only at its Boardwalk and Old Town branches in Fort Collins and at the Wellington branch inside Ridley’s Market. The first 300 new members who open a checking account in any of those three branches will receive $100, which will be deposited into their new checking account at opening.


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

Easy Membership - Joining the Blue Foundation ($5 donation) qualifies for Blue FCU membership, regardless of employment or residency status.

Employment - Active employees, members, volunteers, retirees, pensioners, or annuitants of more than 1,000 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.

Joining Blue FCU and opening an Extreme Checking account can be done online, or by visiting any of five Colorado branches located in Boulder, Broomfield (3), Fort Collins, and Wellington, or six Wyoming branches located in Cheyenne (5) and Laramie.

Credit Union Overview

Blue Federal Credit Union (NCUA Charter # 7361) has an overall health grade of "A" at, with a Texas ratio of 5.52% (excellent) based on June 30, 2016 data. In the past year, Blue FCU increased its total deposits by $250.13 million, an excellent growth rate of 51.65%. Please refer to our financial overview of Blue Federal Credit Union 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 this past April, 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. Blue FCU is currently the largest Wyoming-based credit union, with more than 70,800 members and assets in excess of $864 million

How the Extreme Checking Compares

When compared to the 31 High Yield Reward Checking Accounts tracked by, which are available nationwide and have maximum qualifying balances of at least $15k, Blue Federal Credit Union’s Extreme Checking Sapphire APY currently ranks second.

Interest RateAccount NameCredit Union/Bank
4.59% APYFree Rewards Checking - High ($20k max)Consumers Credit Union
4.00% APYExtreme Checking – Sapphire ($15k max)Blue Federal Credit
3.00% APYVertical Dividend Checking ($15k max)Evansville Teachers Federal Credit Union

The above rates are accurate as of 10/18/2016.

To look for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account rates table or our Rates Map page.

4.01% Reward Checking Account at Warren Federal Credit Union in Wyoming
Update 10/04/09: The top rate has fallen to 4.01% APY.

Warren FCU is offering a reward checking account called Extreme Checking which pays 4.01% APY on balances up to $25,000 (1.01% for above) and refunds ATM fees nationwide if the following monthly requirements are met:
  • 10 VISA check card purchases
  • one direct deposit or ACH (auto debit)
  • access monthly statements online
If these are not met, the rate falls to 0.15%. There are no monthly service charges and no minimum balance.

Membership is open to those who live, work, and worship or attend school within Warren...

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