Savings Accounts
The ideal place to deposit and save money while earning interest on the balance.
A much-needed new car. A college education. Or a well-earned vacation. Whatever your savings goal, we’ll help you achieve it. We offer a variety of ways to save, from our basic interest-earning savings account to money market accounts that can help you grow your savings exponentially.
Product Overview
Account Purpose
Earn a higher interest rate than a traditional savings account—plus, unlike a CD, you can deposit or withdraw funds at any time
Account Perks
Get up to 6 fee-free withdrawals or debits per month plus receive an interest rate bump for having at least two monthly ACH credits of at least $250 each
1This account is only for consumers and for new funds to the Bank. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. The APY will increase from 2.75% to 3.25% for each qualifying period with at least two (2) Automated Clearing House (ACH) credits of $250.00 or more each. Qualification period is defined as beginning three processing days before the first day of the monthly statement period, and ending three processing days before the last day of the monthly statement period. Processing days are defined as Monday through Saturday, and exclude Sundays and bank holidays. This period is used to determine your interest rate for each qualifying period, and the interest earned for each qualifying period will be credited to your account on the last business day of the month. Fees may reduce earnings on the account. Maximum of 6 withdrawals or debits allowed per monthly statement period. After that a $3 fee per withdrawal or debit will apply on every additional withdrawal or debit over 6.
Account Purpose
A great option if you want a basic savings account that lets your earn interest on your money
Account Perks
Combined monthly statements that include checking and savings making it easy to budget
Account Purpose
The account that lets you save for your holiday expenses—add money throughout the year and get a check in October, just in time for holiday spending
Account Perks
Funds disbursed annually via check at maturity, and automatically renews annually unless canceled in writing
Account Purpose
A unique account tailored to those searching for a new home—it’s an ideal place to save for down payment and closing costs with personalized support from our Mortgage Loan Officers
Account Perks
Free pre-approval from Bluestone Bank2, monthly progress reviews with one of our expert Mortgage Loan Officers, and a $250.00 closing cost credit3
2Pre-approval from Bluestone is required to open an account.
3A credit of $250.00 towards closing costs will be issued at time of settlement on the Closing Disclosure. Please speak to your Loan Officer for further details.
Account Purpose
Higher-yield savings with 24/7 access to your funds
Account Perks
Choose between a basic or Tiered Money Market account, depending on your needs and preferences
| Account Purpose | Minimum Opening Deposit | Minimum Balance to Earn APY | Maintenance and Fees | Withdrawal Restrictions | FDIC & DIF Insurance | Additional Features | |
|---|---|---|---|---|---|---|---|
| High-Yield Savings Account | Earn a higher interest rate than a traditional savings account—plus, unlike a CD, you can deposit or withdraw funds at any time | $10.00 | $10.00 | No monthly service fee | Maximum of 6 withdrawals or debits allowed per monthly statement period; after that a $3 fee per withdrawal or debit will apply on every additional withdrawal or debit over 6 | Yes | 6 fee-free withdrawals or debits per month, an interest rate bump for having at least two monthly ACH credits of at least $250 each, and no maximum balance requirement |
| Statement Savings | A great option if you want a basic savings account that lets you earn interest on your money | $10.00 | $10.00 | $2.00 per month if balance falls below $200.00 | None | Yes | Easily access your funds through ATM-only debit cards, online and mobile banking, telephone banking, or at any branch; no monthly service charges4 |
| Holiday Club Account | The account that lets you save for your holiday expenses—add money throughout the year and get a check in October, just in time for holiday spending | $10.00 | $10.00 | If you close this account or, we agree to let you withdraw a portion of the account before maturity, you will not receive the accrued interest, and there will be a $10.00 fee. | Early withdrawal incurs $10.00 fee and forfeiture of interest | Yes | You can contribute to the account balance at any point before maturity. The account automatically renews for one year, so you’ll get a head start on savings, unless you cancel in writing. |
| Save Your Way Home | A unique account tailored to those searching for a new home—it’s an ideal place to save for down payment and closing costs with personalized support from our Mortgage Loan Officers | $1,000.00 | $1,000.00 | No maintenance fees | None | Yes | Free pre-approval from Bluestone Bank5, monthly progress reviews with one of our expert Mortgage Loan Officers, a $250.00 closing cost credit6, and 3.30% APY7 on balances between $1,000.01 and $100,000.00. |
| Money Market Account | A great solution for those that want to save for goals faster with higher interest than a traditional savings account | $2,500.00 | Minimum balance to earn APY is $10.01, but balances between $1,000.01-$100,000.00 earn a premium APY | $10.00 per month if balance falls below $2.500.00. | Limited check-writing; federal regulations may limit certain types of withdrawals | Yes | There are no monthly service charges when you maintain a minimum daily balance of $2,500.00 in your account. Otherwise there is a monthly service charge of $10.00 |
| Tiered Money Market | As your balance grows into new tiers, you’ll benefit from automatic interest rate increases | $25,000.00 | $10.00 | $10.00 per month if balance falls below $25,000.00. | Limited check-writing; federal regulations may limit certain types of withdrawals | Yes | There are no monthly service charges when you maintain a minimum daily balance of $25,000.00 in your account. Otherwise, there is a monthly service charge of $10.00 |
4This is a variable rate that is subject to change after the account has been opened. Minimum balance to open account is $10.00. Minimum Balance to Receive APY: $1,000.00-$100,000 (0.05% APY). Fees may reduce the earnings on the account. Rates effective 07/08/2026.
5Pre-approval from Bluestone is required to open an account.
6A credit of $250.00 towards closing costs will be issued at time of settlement on the Closing Disclosure. Please speak to your Loan Officer for further details.
7This is a variable rate that is subject to change after the account has been opened. Minimum balance to open account is $1,000. Minimum Balance to Receive APY: $10.01-$1000.00 (0.05% APY), $1,000.01-$100,000.00 (3.30% APY), & $100,000.01 (0.05% APY). Fees may reduce the earnings on the account. Rates effective 07/08/2026.
Mobile Banking App
Transfer funds, check account balances, and make loan payments anytime, anywhere with Bluestone Bank’s Mobile Banking App. It’s banking designed for your convenience – secure and free.
- Card Controls
Take advantage of our many banking features, including the ability to control your cards from the palm of your hand. With Card Controls, you can choose when, where, and how much your card is used. - Move your money easily
Getting your money where it needs to go is now easier than ever, thanks to exciting features like the ability to easily move your money, which makes managing your money easier online or through our mobile app. - SavvyMoney
SavvyMoney is a powerful tool that provides free access to your credit score, comprehensive credit report, credit monitoring, financial tips, and more.
