Blue Federal Credit Union Reviews

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Updated Oct. 21, 2026

By: Courtney Hamar

+1 more

Edited by: Matt Zane

About Blue Federal Credit Union

Blue Federal Credit Union is a members-only financial institution based in Wyoming. It serves members nationwide and across the globe. Checking, savings, lending and financial advising services are available. Online banking makes it possible to bank from anywhere and on the go. Blue Federal Credit Union is backed by the National Credit Union Administration (NCUA).

Visit www.bluefcu.com

Pros

High savings APY
Mobile app

Cons

Membership requirements
Various fees

What is Blue Federal Credit Union?

Blue Federal Credit Union is a financial institution based in Cheyenne, Wyoming. It has more than 140,000 members nationwide and 27 physical locations. It provides banking, lending, credit cards and financial planning services.

Blue Federal Credit Union members share a network of financial services and planning. Members can bank from anywhere with the mobile app and have access to no-fee ATMs. Additionally, Blue Federal Credit Union returns profits to its members, not shareholders.

How does Blue Federal Credit Union work?

There are a few ways to join Blue Federal Credit Union. You’re eligible if you:

Have a family or household member who is already a member
Work or belong to a select employee group employer or organization in Wyoming or Colorado
Work at F.E. Warren Air Force Base
Are a member of a Wyoming military entity
Make a $5 donation to the Blue Foundation

Blue Federal Credit Union products

Blue Federal Credit Union products and services include:

Checking accounts

Checking accounts have no required opening balance and no minimum balance. Other features and benefits include direct deposit, online banking, free bill pay, statements, overdraft protection and fraud alerts.

Savings accounts

Multiple savings account options are offered. This includes the Accelerated Savings, which has 5% APY on a balance of up to $1,000 at the time of publishing. The Sky High Savings account earns 0.30% APY with no minimum balance required. A Christmas Club savings account is an opportunity to earn 1.25% APY before a lump-sum withdrawal before the holidays.

Additional savings options available are certificates and term shares, individual retirement accounts and membership share savings accounts.

Business banking

Business banking checking and savings account options are available. These include an account with no minimum opening balance to open or avoid monthly fees, the first 50 deposited items free monthly, a free debit card and online banking and bill pay. Additionally, a Business Plus checking account is offered with the additional benefit of earning dividends on your balance.

Business savings accounts are available with a minimum daily balance of $100 daily to earn dividends. There are no monthly maintenance fees. Business term shares are also available with locked dividend rate options.

Loans

Several loan options are offered through Blue Federal Credit Union. These include:

Auto and recreation loans
Mortgage and refinance loans
Personal loans
Business loans
Student loans
Credit Cards

Rates vary, but the following shows rates at the time of publishing.

Loan type	Starting APR
Credit cards	12.50%
Vehicle loans	7.64%
Personal loans	10.99%

Loans are personalized to help you reach immediate and future financial goals.

Financial planning

Financial advising is available through licensed professionals. Blue Federal Credit Union partners with CUSO Financial Services for advising services. It also provides insurance options for life, auto, home and renters insurance coverage.

Blue Federal Credit Union fees

Although Blue Federal Credit Union offers checking and savings account options with low to no minimum balance requirements, there are some fees you may be responsible for. These include:

Inactive account: $25 per month
Outgoing domestic wire: $30
Nonsufficient funds: $35
Replacement credit/debit card: $7
Safe deposit box: $35 to $95

Blue Federal Credit Union FAQ

Is Blue Federal Credit Union insured?

Yes, Blue Federal Credit Union is insured by the National Credit Union Administration.

What is the transfer limit for Blue Federal Credit Union?

You can transfer up to $5,000 per day to a Blue Federal Credit Union account from external checking and savings accounts.

Does Blue Federal Credit Union use Zelle?

Yes, Blue Federal Credit Union uses Zelle through its mobile app. Zelle is used to send and receive money.

What is the grace period for Blue Federal Credit Union?

There is a 10-day grace period on Blue Federal Credit Union consumer loans. The grace period is the time after a payment is due and payment can be made without a late fee or penalty.

Still have questions?

Is Blue Federal Credit Union legit?

Yes, Blue Federal Credit Union is a legitimate financial institution. Accounts are insured through the NCUA. Blue Federal Credit Union has more than 140,000 members across the globe. It has a strong presence in Wyoming and Colorado. However, online and mobile banking allows members to have access to its benefits no matter their location.