CONSUMER RATES
We offer the best rates possible for our customers. Click on the products below to learn more about current rates:
Rates effective as of 6/18/25.
All rates subject to change without notice.
FEATURED OFFERS
Click on each product name for more details.
Blue Axis Fusion® Savings
with direct deposits totaling $1,000 & 10 POS debit card transactions each month in Blue Axis Edge® Checking1.
Open Now| Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
| 3.92% | 4.00% | $5 | N/A |
Open an Account $5
Avoid Maintenance Fee N/A
Blue Axis Edge® Checking
Earn $3007 when you maintain a monthly minimum direct deposit of $500 for at least 6 months.
Open Now| Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
| 0.00% | 0.00% | $1 | N/A |
Open an Account $1
Avoid Maintenance Fee N/A
Blue Axis Edge® Savings
Earn $3008 when you deposit $15,000 or more in new money while earning a highly competitive blended rate.
Open Now| Balance | Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
| $.01 - $4,999.99 | 3.83% | 3.90% | $5 | N/A |
| $5,000 - $249,999.99 | 1.54% | 1.55% | $5 | N/A |
| $250,000 and up | 2.42% | 2.45% | $5 | N/A |
Balance: $.01 - $4,999.99
Open an Account$5
Avoid Maintenance FeeN/A
Balance: $5,000 - $249,999.99
Open an Account$5
Avoid Maintenance FeeN/A
Balance: $250,000 and up
Open an Account$5
Avoid Maintenance FeeN/A
Featured CDs
| # of Months | Interest Rate | APY † | Min Deposit | |
| 3 MONTH CD*2 With Checking |
4.11% | 4.20% | $1,000 | Open Now |
| 7 MONTH CD*2 With Checking |
3.68% | 3.75% | $1,000 | Open Now |
| 8 MONTH CD*2 With Checking |
4.07% | 4.15% | $1,000 | Open Now |
| 9 MONTH CD*2 With Checking |
3.54% | 3.60% | $1,000 | Open Now |
3 MONTH CD*2
With Checking
7 MONTH CD*2
With Checking
8 MONTH CD*2
With Checking
9 MONTH CD*2
With Checking
Axis CDs
| # of Months | Interest Rate | APY † | Min Deposit | |
| AXIS 12 MONTH CD SPECIAL*3 with Blue Axis Checking® & Direct Deposit |
3.87% | 3.95% | $1,000 | Open Now |
| AXIS 24 MONTH CD SPECIAL*4 with Blue Axis Checking® & Direct Deposit |
3.20% | 3.25% | $1,000 | Open Now |
| AXIS 36 MONTH CD SPECIAL*5 with Blue Axis Checking® & Direct Deposit |
2.96% | 3.00% | $1,000 | Open Now |
AXIS 12 MONTH CD SPECIAL*3
with Blue Axis Checking® & Direct Deposit
AXIS 24 MONTH CD SPECIAL*4
with Blue Axis Checking® & Direct Deposit
AXIS 36 MONTH CD SPECIAL*5
with Blue Axis Checking® & Direct Deposit
Term CDs
| # of Months | Interest Rate | APY † | Min Deposit | |
| 6 MONTH* | 0.20% | 0.20% | $1,000 | Open Now |
| 12 MONTH* | 0.50% | 0.50% | $1,000 | Open Now |
| 24 MONTH* | 0.30% | 0.30% | $1,000 | Open Now |
| 36 MONTH* | 0.50% | 0.50% | $1,000 | Open Now |
| 48 MONTH* | 2.96% | 3.00% | $1,000 | Open Now |
| 60 MONTH* | 3.20% | 3.25% | $1,000 | Open Now |
6 MONTH*
12 MONTH*
24 MONTH*
36 MONTH*
48 MONTH*
60 MONTH*
MONEY MARKET ACCOUNTS
Click on each product name for more details.
Blue Axis Edge® Money Market
Earn up to 4.00% APY6 when you deposit $25,000 or more in new money or from a Blue Foundry Bank CD.
Open Now| Balance | Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
| $.01-$24,999.99 | 0.00% | 0.00% | $100 | N/A |
| $25,000+ | 3.92% | 4.00% | $100 | N/A |
Balance: $.01-$24,999.99
Open an Account$100
Avoid Maintenance FeeN/A
Balance: $25,000+
Open an Account$100
Avoid Maintenance FeeN/A
Blue Axis® Tiered Money Market
Open Now| Balance | Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
| $.01 - $19,999.99 | 0.00% | 0.00% | $100 | N/A |
| $20,000 - $249,999.99 | 1.98% | 2.00% | $100 | N/A |
| $250,000 - $999,999.99 | 2.37% | 2.40% | $100 | N/A |
| $1,000,000 and up | 2.96% | 3.00% | $100 | N/A |
Balance: $.01 - $19,999.99
Open an Account$100
Avoid Maintenance FeeN/A
Balance: $20,000 - $249,999.99
Open an Account$100
Avoid Maintenance FeeN/A
Balance: $250,000 - $999,999.99
Open an Account$100
Avoid Maintenance FeeN/A
Balance: $1,000,000 and up
Open an Account$100
Avoid Maintenance FeeN/A
CHECKING ACCOUNTS
BLUE AXIS® CHECKING
BLUE AXIS® CHECKING
Open Now| Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
|
| .05% | .05% | $1 | N/A | Open Now |
Open an Account $1
Avoid Maintenance Fee N/A
SAVINGS ACCOUNTS
BLUE AXIS® SAVINGS
BLUE AXIS® SAVINGS
Open Now| Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
|
| .10% | .10% | $5 | N/A | Open Now |
Open an Account $5
Avoid Maintenance Fee N/A
BLUE AXIS® CLUB SAVINGS
BLUE AXIS® CLUB SAVINGS
Open Now| Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
|
| .10% | .10% | $5 | N/A | Open Now |
Open an Account $5
Avoid Maintenance Fee N/A
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
12 Month IRA CD With Checking**9
Open Now| Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
| 3.49% | 3.55% | $1,000 | N/A |
Open an Account $1,000
Avoid Maintenance Fee N/A
IRA Tiered Savings
Open Now| Balance | Interest Rate | APY † | Minimum Deposit to Open an Account |
Minimum Balance to Avoid Maintenance Fee |
| $0.01 - $15,000.00 | 3.83% | 3.90% | $5 | N/A |
| $15,000.01 and above | 0.50% | 0.50% | $5 | N/A |
Balance: $0.01 - $15,000.00
Open an Account$5
Avoid Maintenance FeeN/A
Balance: $15,000.01 and above
Open an Account$5
Avoid Maintenance FeeN/A
† APY stands for Annual Percentage Yield
* Also available for IRA Deposits
** Penalty for early withdrawal. Minimum balance to obtain the annual percentage yield is $.01. See Deposit Account Terms for further details.
1 Variable rate is subject to change after account opening. Fees may reduce the earnings on the account. Minimum deposit to open $5. In order to qualify for the 4.00% APY (Annual Percentage Yield), you must maintain a combined direct deposit of $1,000 or more and ten (10) qualifying Point-of-Sale (POS) transactions during the month in a Blue Axis Edge® Checking account. A qualifying POS debit card transaction is any Blue Foundry Bank Debit Mastercard® transaction that requires either a signature or PIN at the point-of-sale and is counted in the month that it is posted. Please note that ATM withdrawals and online bill payments are not considered qualifying POS debit card transactions. APY of 4.00% is based on an interest rate of 3.92%. If you do not meet the requirements for the month, your Blue Axis Fusion® Savings will earn an APY of 0.10%, based on an interest rate of 0.10%. Requires eBanking enrollment and electronic statements. Refer to our Fee Schedule for paper statement fee.
2 Must open a new or have an existing checking to qualify. Penalty for early withdrawal. Rate applicable to initial term only and upon maturity will automatically renew to a 6 month CD.
3 Axis 12 Month CD with Blue Axis® Checking & Direct Deposit – Must maintain a minimum of $500 direct deposit into a Blue Axis® Checking account monthly to qualify. The bank reserves the right to change the certificate to the corresponding standard certificate term and assess a penalty if the terms of account are not met. Upon maturity the Axis 12 Month with Direct Deposit will renew to a 12 month CD. Penalty for early withdrawal. See Deposit Account Terms for further details.
4 Axis 24 Month CD with Blue Axis® Checking & Direct Deposit – Must maintain a minimum of $500 direct deposit into a Blue Axis® Checking account monthly to qualify. The bank reserves the right to change the certificate to the corresponding standard certificate term and assess a penalty if the terms of account are not met. Upon maturity the Axis 24 Month with Direct Deposit will renew to a 24 month CD. Penalty for early withdrawal. See Deposit Account Terms for further details.
5 Axis 36 Month CD with Blue Axis® Checking & Direct Deposit – Must maintain a minimum of $500 direct deposit into a Blue Axis® Checking account monthly to qualify. The bank reserves the right to change the certificate to the corresponding standard certificate term and assess a penalty if the terms of account are not met. Upon maturity the Axis 36 Month with Direct Deposit will renew to a 36 month CD. Penalty for early withdrawal. See Deposit Account Terms for further details.
6 Rate is variable and is subject to change after account opening. Fees may reduce the earnings on the account. Minimum deposit to open $100. To qualify for the 4.00% APY (Annual Percentage Yield), you must deposit $25,000 or more in new money or from a Blue Foundry Bank maturing CD. If you are in an existing CD and would like to transfer the funds prior to maturity, the terms of your certificate, including the penalty, will apply. APY of 4.00% is based on an interest rate of 3.92%. Requires eBanking enrollment and electronic statements. Refer to our Fee Schedule for paper statement fee.
7 Only one bonus per tax id, per product. Bonus is not available to existing Blue Foundry Bank Checking customers or customers that have closed their checking account within the last 12-months. Bonus will be earned when account maintains a consecutive combined direct deposit of $500 or more each month during the 6-month (182 days) qualification period. The direct deposit must be credited to the account within the first 60 days of account opening. Once the qualification period has concluded, the account will be credited the $300 bonus within 60 days. For tax purposes, bonus will be reported on form 1099. Requires eBanking enrollment and electronic statements. Refer to our Fee Schedule for paper statement fee.
8 Only one bonus per tax id, per product. Bonus will be earned when a single deposit of $15,000 or more of new money is deposited into the account and the balance is maintained for a 6-month (182 days) qualification period. New money is defined as money not currently on deposit with Blue Foundry Bank. Once the qualification period has concluded, the account will be credited the $300 bonus within 60 days. For tax purposes, bonus will be reported on form 1099. Requires eBanking enrollment and electronic statements. Refer to our Fee Schedule for paper statement fee.
If your daily balance is $4,999.99 or less, the interest rate paid on the entire balance will be 3.83% with an annual percentage yield of 3.90%. An interest rate of 1.54% will be paid only for that portion of your daily balance that is greater than $4,999.99. The annual percentage yield for this tier will range from 3.90% to 1.60%, depending on the balance in the account. An interest rate of 2.42% will be paid only for that portion of your daily balance that is greater than $249,999.99. The annual percentage yield for this tier will range from 1.60% to 2.24%, depending on the balance in the account.
9 Sole IRA certificate product where IRA rate varies from standard term. Accounts opened as of June 18, 2025 must open a new or have an existing checking to qualify.
All checking, savings and money market accounts: Variable rate accounts and interest rate may change any time after account opening at our discretion. Fees may reduce earnings on the account. See Schedule of Fees for applicable fees. Withdrawal of interest will reduce earnings. Annual percentage yield assumes interest remains on deposit. Unless balance tier indicates otherwise, minimum balance required to obtain APY = $.01. Requires eBanking enrollment and electronic statements. Refer to our Fee Schedule for paper statement fee.