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CDRates

Bluewater Federal

Member-owned credit union with competitive share certificates.

4.0 (3)
Visit Bluewater Federal →
Website
example.com/bluewater-federal
Headquarters
Tampa, FL
Institution type
Credit union
Deposit insurance
NCUA
Founded
1928

Current CD rates vs. the market

Each rate compared with the best APY and the top-5 average for the same term across every lender we track.

Product Term Min. deposit APY Best rate vs. best Top-5 avg vs. top 5 Rank

3-Month CD

Penalty: 90 days of interest

 3-month $500 4.26% 4.47% −0.21 pts 4.36% −0.10 pts #3 of 3

6-Month CD

Penalty: 90 days of interest

 6-month $2,500 4.31% 4.68% −0.37 pts 4.51% −0.20 pts #6 of 7

9-Month CD

Penalty: 90 days of interest

 9-month $2,500 4.51% 4.56% −0.05 pts 4.42% +0.09 pts #2 of 6

1-Year CD

Penalty: 90 days of interest

 1-year $1,000 4.63% 4.80% −0.17 pts 4.69% −0.06 pts #4 of 7

2-Year CD

Penalty: 180 days of interest

 2-year $0 4.06% 4.37% −0.31 pts 4.31% −0.25 pts #7 of 8

5-Year CD

Penalty: 180 days of interest

 5-year $2,500 4.08% 4.25% −0.17 pts 4.15% −0.07 pts #4 of 8

How Bluewater Federal compares with the top 5

3-month CDs

  1. 1. Northgate Direct 4.47%
  2. 2. Lakeshore Community CU 4.34%
  3. 3. Bluewater Federal 4.26%

6-month CDs

  1. 1. Prairie Trust Credit Union 4.68%
  2. 2. Northgate Direct 4.52%
  3. 3. Summit Ridge Savings 4.51%
  4. 4. Cedar Hollow Bank 4.49%
  5. 5. Lakeshore Community CU 4.35%

9-month CDs

  1. 1. Northgate Direct 4.56%
  2. 2. Bluewater Federal 4.51%
  3. 3. Summit Ridge Savings 4.47%
  4. 4. Lakeshore Community CU 4.32%
  5. 5. Ironwood Savings Bank 4.25%

1-year CDs

  1. 1. Northgate Direct 4.80%
  2. 2. Harborline Bank 4.78%
  3. 3. Prairie Trust Credit Union 4.76%
  4. 4. Bluewater Federal 4.63%
  5. 5. Summit Ridge Savings 4.50%

2-year CDs

  1. 1. Summit Ridge Savings 4.37%
  2. 2. Harborline Bank 4.34%
  3. 3. Northgate Direct 4.33%
  4. 4. Lakeshore Community CU 4.28%
  5. 5. Prairie Trust Credit Union 4.22%

5-year CDs

  1. 1. Prairie Trust Credit Union 4.25%
  2. 2. Harborline Bank 4.21%
  3. 3. Lakeshore Community CU 4.13%
  4. 4. Bluewater Federal 4.08%
  5. 5. Summit Ridge Savings 4.07%

Rates over time

Bluewater Federal APY history
  • 3-month · 3-Month CD
  • 6-month · 6-Month CD
  • 9-month · 9-Month CD
  • 1-year · 1-Year CD
  • 2-year · 2-Year CD
  • 5-year · 5-Year CD
Bluewater Federal APY history: APY over time 3.75% 4.13% 4.50% 4.88% 5.25% Aug 12 Sep 2 Sep 23 Oct 14 Nov 4 3-month · 3-Month CD — Aug 12, 2026: 4.62% APY 3-month · 3-Month CD — Aug 26, 2026: 4.60% APY 3-month · 3-Month CD — Sep 9, 2026: 4.50% APY 3-month · 3-Month CD — Sep 23, 2026: 4.43% APY 3-month · 3-Month CD — Oct 7, 2026: 4.33% APY 3-month · 3-Month CD — Oct 21, 2026: 4.28% APY 3-month · 3-Month CD — Nov 4, 2026: 4.26% APY 6-month · 6-Month CD — Aug 12, 2026: 4.67% APY 6-month · 6-Month CD — Aug 26, 2026: 4.66% APY 6-month · 6-Month CD — Sep 9, 2026: 4.63% APY 6-month · 6-Month CD — Sep 23, 2026: 4.53% APY 6-month · 6-Month CD — Oct 7, 2026: 4.46% APY 6-month · 6-Month CD — Oct 21, 2026: 4.40% APY 6-month · 6-Month CD — Nov 4, 2026: 4.31% APY 9-month · 9-Month CD — Aug 12, 2026: 4.83% APY 9-month · 9-Month CD — Aug 26, 2026: 4.80% APY 9-month · 9-Month CD — Sep 9, 2026: 4.78% APY 9-month · 9-Month CD — Sep 23, 2026: 4.78% APY 9-month · 9-Month CD — Oct 7, 2026: 4.74% APY 9-month · 9-Month CD — Oct 21, 2026: 4.63% APY 9-month · 9-Month CD — Nov 4, 2026: 4.51% APY 1-year · 1-Year CD — Aug 12, 2026: 4.99% APY 1-year · 1-Year CD — Aug 26, 2026: 4.98% APY 1-year · 1-Year CD — Sep 9, 2026: 4.91% APY 1-year · 1-Year CD — Sep 23, 2026: 4.89% APY 1-year · 1-Year CD — Oct 7, 2026: 4.88% APY 1-year · 1-Year CD — Oct 21, 2026: 4.76% APY 1-year · 1-Year CD — Nov 4, 2026: 4.63% APY 2-year · 2-Year CD — Aug 12, 2026: 4.40% APY 2-year · 2-Year CD — Aug 26, 2026: 4.31% APY 2-year · 2-Year CD — Sep 9, 2026: 4.25% APY 2-year · 2-Year CD — Sep 23, 2026: 4.15% APY 2-year · 2-Year CD — Oct 7, 2026: 4.12% APY 2-year · 2-Year CD — Oct 21, 2026: 4.09% APY 2-year · 2-Year CD — Nov 4, 2026: 4.06% APY 5-year · 5-Year CD — Aug 12, 2026: 4.43% APY 5-year · 5-Year CD — Aug 26, 2026: 4.41% APY 5-year · 5-Year CD — Sep 9, 2026: 4.34% APY 5-year · 5-Year CD — Sep 23, 2026: 4.24% APY 5-year · 5-Year CD — Oct 7, 2026: 4.12% APY 5-year · 5-Year CD — Oct 21, 2026: 4.08% APY 5-year · 5-Year CD — Nov 4, 2026: 4.08% APY
View as table
ProductDateAPY
3-month · 3-Month CDAug 12, 20264.62%
3-month · 3-Month CDAug 26, 20264.60%
3-month · 3-Month CDSep 9, 20264.50%
3-month · 3-Month CDSep 23, 20264.43%
3-month · 3-Month CDOct 7, 20264.33%
3-month · 3-Month CDOct 21, 20264.28%
3-month · 3-Month CDNov 4, 20264.26%
6-month · 6-Month CDAug 12, 20264.67%
6-month · 6-Month CDAug 26, 20264.66%
6-month · 6-Month CDSep 9, 20264.63%
6-month · 6-Month CDSep 23, 20264.53%
6-month · 6-Month CDOct 7, 20264.46%
6-month · 6-Month CDOct 21, 20264.40%
6-month · 6-Month CDNov 4, 20264.31%
9-month · 9-Month CDAug 12, 20264.83%
9-month · 9-Month CDAug 26, 20264.80%
9-month · 9-Month CDSep 9, 20264.78%
9-month · 9-Month CDSep 23, 20264.78%
9-month · 9-Month CDOct 7, 20264.74%
9-month · 9-Month CDOct 21, 20264.63%
9-month · 9-Month CDNov 4, 20264.51%
1-year · 1-Year CDAug 12, 20264.99%
1-year · 1-Year CDAug 26, 20264.98%
1-year · 1-Year CDSep 9, 20264.91%
1-year · 1-Year CDSep 23, 20264.89%
1-year · 1-Year CDOct 7, 20264.88%
1-year · 1-Year CDOct 21, 20264.76%
1-year · 1-Year CDNov 4, 20264.63%
2-year · 2-Year CDAug 12, 20264.40%
2-year · 2-Year CDAug 26, 20264.31%
2-year · 2-Year CDSep 9, 20264.25%
2-year · 2-Year CDSep 23, 20264.15%
2-year · 2-Year CDOct 7, 20264.12%
2-year · 2-Year CDOct 21, 20264.09%
2-year · 2-Year CDNov 4, 20264.06%
5-year · 5-Year CDAug 12, 20264.43%
5-year · 5-Year CDAug 26, 20264.41%
5-year · 5-Year CDSep 9, 20264.34%
5-year · 5-Year CDSep 23, 20264.24%
5-year · 5-Year CDOct 7, 20264.12%
5-year · 5-Year CDOct 21, 20264.08%
5-year · 5-Year CDNov 4, 20264.08%

About Bluewater Federal

Bluewater Federal is a fictional demo lender used to preview CDRates. It offers a range of certificates of deposit with terms from three months to five years.

Deposits are insured up to the legal limit.

Reviews

4.0 average from 3 reviews

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