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

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

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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

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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 Bank1, monthly progress reviews with one of our expert Mortgage Loan Officers, and a $250.00 closing cost credit2

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1Pre-approval from Bluestone is required to open an account. 

2A 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

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Account PurposeMinimum Opening DepositMinimum Balance to Earn APYMaintenance and FeesWithdrawal RestrictionsFDIC & DIF InsuranceAdditional Features
Statement SavingsA great option if you want a basic savings account that lets you earn interest on your money$10.00$10.00.00$2.00 per month if balance falls below $200.00NoneYesEasily access your funds through ATM-only debit cards, online and mobile banking, telephone banking, or at any branch; no monthly service charges3
Holiday Club AccountThe 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$10.00If 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 interestYesYou 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 HomeA 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$1,000.00No maintenance feesNoneYesFree pre-approval from Bluestone Bank4, monthly progress reviews with one of our expert Mortgage Loan Officers, a $250.00 closing cost credit5, and 3.30% APY6 on balances between $1,000.01 and $100,000.00.
Money Market AccountA great solution for those that want to save for goals faster with higher interest than a traditional savings account
$2,500.00Minimum 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 withdrawalsYesThere 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 MarketAs 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 withdrawalsYesThere 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

3This 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 08/29/2025.

4Pre-approval from Bluestone is required to open an account.

5A 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.

6This 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 08/29/2025.

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.
Download on the App Store
Get it on Google Play
Screenshot of Certificate of Deposit page on Bluestone Bank's Mobile App

Helpful Calculators

How much could I save over time?

CALCULATE

How soon can I
eliminate my debts?

CALCULATE

How to Save for the Unexpected

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Adjusting Your Savings Plan to Fit You

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Bluestone Bank
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