APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://bluestone.bank/rates/
Read: 2026-10-22T16:21:16.000Z

Program | Interest Rate | Annual Percentage Yield (APY) 1 | Minimum Deposit to Open Account | Minimum Monthly Balance to Obtain APY 1
AddVantage SM Checking 2 | 0.00% | 0.00% | $10.00 | $10.00 to $9,999.99
0.05% | 0.05% | $10.00 | $10,000.00 to $74,999.99
0.10% | 0.10% | $10.00 | $75,000.00.00+
Free Checking for Seniors | 0.01% | 0.01% | $10.00 | $10.00
Tier | Annual Percentage Yield (APY) 3 | Notes
$10.01 – $25,000.00 | 0.01% | Interest rate paid on the daily balance of the first $10.01 up to and including $25,000.00
$25,000.01 – $50,000.00 | 0.25% | Interest rate paid on the daily balance of the next $25,000.01 to $50,000.00
$50,000.01 – $75,000.00 | 0.50% | Interest rate paid on the daily balance of the next $50,000.01 to $75,000.00
$75,000.01 – $100,000.00 | 0.75% | Interest rate paid on the daily balance of the next $75,000.01 to $100,000.00
$100,000.01 – $125,000.00 | 1.00% | Interest rate paid on the daily balance of the next $100,000.01 to $125,000.00
$125,000.01 or Greater | 1.00% | Interest rate paid on the daily balance of the next $125,000.01 or more
Program | Interest Rate | Annual Percentage Yield (APY) 4 | Minimum Deposit To Open Account | Minimum Daily Balance to Obtain APY 4
Statement Savings | 0.05% | 0.05% | $10.00 | $10.00
Holiday Club | 0.05% | 0.05% | $10.00 | $10.00
ACH Credit Qualifications Met | Annual Percentage Yield (APY) 5 | Minimum Deposit To Open Account | Minimum Daily Balance to Obtain APY 5
No | 2.75% | $10.00 | $10.00
Yes | 3.25% | $10.00 | $10.00
Program | Annual Percentage Yield (APY) 1 | Minimum Daily Balance to Earn APY 1
Money Market (Daily balances from $10.00 to $2,499.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.) | 0.100% | $2,500.00
Tier | Annual Percentage Yield (APY) 6
Less Than $25,000.00 | 0.05%
Between $25,000.00 and $49,999.99 | 1.00%
Between $50,000.00 and $74,999.99 | 1.50%
Between $75,000.00 and $99,999.99 | 2.00%
Between $100,000.00 and $124,999.99 | 2.50%
$125,000.00 or Greater | 3.00%
Program | Annual Percentage Yield (APY) 1 | Minimum Daily Balance to Earn APY 1
Money Market (Daily balances from $10.00 to $2,499.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.) | 0.100% | $2,500.00
Tier | Annual Percentage Yield (APY) 6
Less Than $25,000.00 | 0.05%
Between $25,000.00 and $49,999.99 | 1.00%
Between $50,000.00 and $74,999.99 | 1.50%
Between $75,000.00 and $99,999.99 | 2.00%
Between $100,000.00 and $124,999.99 | 2.50%
$125,000.00 or Greater | 3.00%
Program | Annual Percentage Yield (APY) 1 | Minimum Daily Balance to Earn APY 1
Business Platinum Money Market (Daily balances from $10.00 to $24,999.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.) Note: Earn this high rate when you open a Business Platinum Money Market with money that is not already held in a Bluestone Bank account. | 3.05% | $25,000.00
Term | Program | Annual Percentage Yield (APY) 7 | Minimum Daily Balance to Earn APY 7
3 Month | Fixed Rate CD | 3.50% | $2,000.00
6 Month | Fixed Rate CD | 3.65% | $2,000.00
9 Month | Fixed Rate CD | 3.80% | $2,000.00
12 Month | Fixed Rate CD | 3.95% | $2,000.00
18 Month | Fixed Rate CD | 3.80% | $2,000.00
24 Month | Fixed Rate CD | 3.85% | $2,000.00
36 Month | Fixed Rate CD | 3.85% | $2,000.00
48 Month | Fixed Rate CD | 3.55% | $2,000.00
60 Month | Fixed Rate CD | 3.55% | $2,000.00
18 Month | IRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.) | 3.80% | $10.00
1 Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Accounts are restricted to residents of Massachusetts, New Hampshire, and Rhode Island.
3 Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest is calculated and accrued on the account each day based on the amounts in each balance tier and the appropriate interest rate at the end of the day. Each daily accrual is accumulated and paid out at month end. Example: If you have $55,000 in your account every day of the statement cycle, APY on the daily balance of the first $10.01 up to and including $25,000.00 will be 0.01%, APY on the daily balance of the next $25,000.01 up to and including $50,000.00 will be 0.25%, and APY on the daily balance of the next $50,000.01 up to and including $75,000.00 will be 0.50%. Additional account information available upon request.
4 Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account.
5 This 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.
6 APY varies dependent upon the Money Market tier and the daily balance maintained.
7 Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly. Minimum deposit to open is $2,000.00. A penalty will be assessed on funds withdrawn prior to maturity on all CDs. This is a limited time offer and may be withdrawn at any time.