Maximize Your Savings
Earn over 8x the National Average* Savings Rate
With just $10 to open an account, no monthly service fee, and the chance to earn up to 3.25% APY1, it’s an easy way to grow your savings.
High-Yield Savings Account
EARN UP TO
3.25
%
APY1
with at least two monthly ACH credits (such as direct deposits or between-bank transfers) of at least $250 each.
Top Features
- No maximum balance limit
- Easy access to your funds
- FDIC & DIF Insured
Account Perks
- Minimum Opening Deposit
$10.00 - Minimum Balance to Earn APY
$10.00
- Maintenance and Fees
No monthly service fee - Withdrawals
Up to 6 fee-free withdrawals or debits per month - FDIC & DIF Insurance
Yes
Which savings option is right for you?
Not every savings goal is the same. The best account depends on when you’ll need your money and how you want it to grow. If you’re looking for flexibility and competitive earnings, a High-Yield Savings Account is a great place to start.
It’s a smart choice if you’re saving for:
- An emergency fund
- Home improvements
- A vacation
- A major purchase
Why open a High-Yield Savings Account? High-Yield Savings Accounts are designed to let you earn more interest than a traditional savings account. And, unlike a CD, it allows you to deposit or withdraw funds at any time. That means you can earn great interest and have the security of knowing you have access to your money if needed.
High-Yield Savings Account Rates
Effective as of 09/13/2026
| ACH Credit Qualifications Met | Annual Percentage Yield (APY)1 | Minimum Deposit To Open Account | Minimum Daily Balance to Obtain APY1 |
|---|---|---|---|
| No | 2.75% | $10.00 | $10.00 |
| Yes | 3.25% | $10.00 | $10.00 |
*The national average rate reference is from the FDIC’s published National Rates and Rate Caps for savings deposit products, accurate as of April 20, 2026.
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.
Let’s get started!
Visit one of our branches or open online to get started.
Frequently Asked Questions
Rest Assured,
Your Deposits Are Safe!
When it comes to your hard-earned money, you deserve a bank that will guarantee its safety.
All deposits at Bluestone Bank are 100% insured. This is made possible through the Federal Deposit Insurance Corporation (FDIC), which insures up to $250,000.00 per depositor with the excess over $250,000.00 insured by the Depositors Insurance Fund (DIF). No depositor has ever lost money in a bank insured by both the FDIC and DIF.
Your Personal Bankers
Our Personal Bankers play a crucial role in helping you understand your current financial position and future goals. We’re here to guide you towards a more confident relationship with your finances.