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Bluestone Bank Rates & Review August 2026

Bluestone Bank's 5-Month Fixed Rate CD Special rates are at 3.70%, 9-Month Fixed Rate CD Special rates are at 3.65%, 24-Month Fixed Rate CD rates are at 3.25%, 36-Month Fixed Rate CD rates are at 3.25%, 48-Month Fixed Rate CD rates are at 3.25%. Bluestone Bank's savings rates are at 0.05%. Bluestone Bank's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Bluestone Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.82%. Rates last updated and verified on 08/28/2026.

Bluestone Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bluestone Bank? Share your experience about Bluestone Bank by leaving a review below, or read customer reviews before you decide to use Bluestone Bank.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.82%
Excellent Lower than avg
Bluestone Bank
756 Orchard St
Raynham, MA 02767
https://www.bluestone.bank
Member FDIC

Bluestone Bank CD Rates

Product Rate APY Term View More
5 Month Fixed Rate CD Special - 3.70% 5 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
9 Month Fixed Rate CD Special - 3.65% 9 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
24 Month Fixed Rate CD - 3.25% 24 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
36 Month Fixed Rate CD - 3.25% 36 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
48 Month Fixed Rate CD - 3.25% 48 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
60 Month Fixed Rate CD - 3.25% 60 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
18 Month Fixed Rate CD - 3.00% 18 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
18 Month IRA CD - 3.00% 18 Month
Min Balance $10
Details Variable Rate. Annual Percentage Yield subject to change after the account has been opened.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
12 Month Fixed Rate CD - 0.15% 12 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
6 Month Fixed Rate CD - 0.10% 6 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%

Bluestone Bank Savings Rates

Product Rate APY View More
High-Yield Savings Accounts - 3.25%
Min Deposit $10
Min Balance $10
Details Qualifications Required: At least two (2) Automated Clearing House (ACH) credits of $250.00 or more each; Yes; 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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
High-Yield Savings Accounts - 2.75%
Min Deposit $10
Min Balance $10
Details ACH Credit Qualifications Met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Holiday Club 0.05% 0.05%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Statement Savings 0.05% 0.05%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%

Bluestone Bank Money Market Rates

Product Rate APY View More
Business Platinum Money Market - 3.05%
Min Balance $25,000
Details Daily balances from $10.00 to $24,999.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest. Earn this high rate when you open a Business Platinum Money Market with money that is not already held in a Bluestone Bank account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Money Market - 3.00%
Min Balance $125,000
Details Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Personal Tiered Money Market - 3.00%
Min Balance $125,000
Details APY varies dependent upon the Money Market tier and the daily balance maintained.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Money Market - 2.50%
Min Balance $0
Details Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Personal Tiered Money Market - 2.50%
Min Balance $0
Details APY varies dependent upon the Money Market tier and the daily balance maintained.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Money Market - 2.00%
Min Balance $0
Details Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Personal Tiered Money Market - 2.00%
Min Balance $0
Details APY varies dependent upon the Money Market tier and the daily balance maintained.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Money Market - 1.50%
Min Balance $0
Details Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Personal Tiered Money Market - 1.50%
Min Balance $0
Details APY varies dependent upon the Money Market tier and the daily balance maintained.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Money Market - 1.00%
Min Balance $0
Details Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Personal Tiered Money Market - 1.00%
Min Balance $0
Details APY varies dependent upon the Money Market tier and the daily balance maintained.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Money Market - 0.10%
Min Balance $2,500
Details Daily balances from $10.00 to $2,499.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Money Market - 0.10%
Min Balance $2,500
Details Daily balances from $10.00 to $2,499.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Money Market - 0.05%
Min Balance $0
Details Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Personal Tiered Money Market - 0.05%
Min Balance $0
Details APY varies dependent upon the Money Market tier and the daily balance maintained.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%

Bluestone Bank Checking Rates

Product Rate APY View More
Business Tiered Interest Checking - 1.00%
Min Balance $100,000
Details Interest rate paid on the daily balance of the next $100,000.01 to $125,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Interest Checking - 0.75%
Min Balance $75,000
Details Interest rate paid on the daily balance of the next $75,000.01 to $100,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Interest Checking - 0.50%
Min Balance $50,000
Details Interest rate paid on the daily balance of the next $50,000.01 to $75,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Interest Checking - 0.25%
Min Balance $25,000
Details Interest rate paid on the daily balance of the next $25,000.01 to $50,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
AddVantage Checking 0.10% 0.10%
Min Deposit $10
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
AddVantage Checking 0.05% 0.05%
Min Deposit $10
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Business Tiered Interest Checking - 0.01%
Min Balance $10
Details Interest rate paid on the daily balance of the first $10.01 up to and including $25,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
Free Checking for Seniors 0.01% 0.01%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%
AddVantage Checking 0.00% 0.00%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.82%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bluestone Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bluestone Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bluestone Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bluestone Bank
Bank Holding Company BLUESTONE FINANCIAL MHC
Address 756 Orchard St, Raynham, MA 02767  ·  Bristol
FDIC Certificate # 90169
Established 03/19/1872
FDIC Insurance Date 06/20/1985
Domestic Offices 12
Total Branches 12
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.82%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.2749%
Return on Equity (ROE) 3.8900%
Non-Performing Loans (NPL) 0.05%
Total Assets $1,578,933,000
Total Deposits $1,253,405,000
Equity Capital $129,093,000
Net Income $6,856,000
Headquarters Raynham
Total Branches and Offices 12
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Bluestone Bank

How many branches does Bluestone Bank operate?

Bluestone Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bluestone Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bluestone Bank provides members with tools to manage their accounts and build a solid financial history.

Does Bluestone Bank offer online and mobile banking?

Most modern institutions like Bluestone Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bluestone.bank.

Current Bluestone Bank Rates

  • 12-Month CD0.15%
  • 18-Month CD3.00%
  • 24-Month CD3.25%
  • 36-Month CD3.25%
  • 48-Month CD3.25%
  • 60-Month CD3.25%
  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.