PRODUCTS
Bluestem offers a variety of products to suit
your financial needs.
Loans
As a member you can choose from a variety of loan programs to suit
your needs. No matter what type of loan you need, you'll find
affordable financing plans to help fit your budget with no prepayment
penalties.
Check our Rates and Specials!
- Vehicle and RV
You may need to borrow funds to purchase new and used cars, trucks,
motorcycles, RVs, boats and travel trailers. Vehicle loans are
usually secured by the value of the property purchased.
- Signature Loans
With a signature loan, you can borrow unsecured funds solely on the
strength of your individual credit worthiness.
Individual credit means
only one borrower is responsible for repaying this loan unless another
person has agreed to guarantee or co-sign the loan. Joint credit
means more than one person (a borrower and co-borrower(s)) is responsible
for repaying the loan.
Visa Credit Card
There is no annual fee on our Visa card and you have a 25-day,
no-interest grace period after you make a purchase. After the grace
period, interest on your Visa account begins accumulating on the average
daily balance of your account. You can make payments on your Visa
account balance by cash or check.
We also offer a Visa Debit Card which
is linked to your checking account instead of credit.
Click here for more details.
Savings Accounts
- Regular Share Account
A share account is a savings account and the basis of your membership.
With a minimum account, you become a shareholder/owner of the credit
union.
- Youth Accounts
We take special care of our younger members. Find out about
specific youth accounts that are fun and help save for the future!
- Certificate Programs
A variety of insured certificate options are available with maturities
ranging from 6 months to 30 months.
Checking Accounts
We offer interest bearing and non-interest
bearing checking accounts. A low minimum balance will allow you to
avoid a monthly service fee with interest bearing, while t non-interest
bearing has no minimum balance requirement.. You get a carbonless
copy of each check written and monthly statements. Your ATM card and
Visa debit card also can access your checkbook funds. And you can
reorder checks online!
Club Accounts
A good idea is a planned savings program
designed for special occasions. A great way to lighten the expenses
incurred for the holidays, weddings, vacations, tuition, etc. is to open a
club account. Club accounts are perfect for segregating money until
you need it!
Money Market Checking
(Click HERE to check our rates!)
Always working
to keep your share draft or checking account above zero? Why not
turn your account around and put it to work for you. With our money
market accounts, your money earns the interest of an investment without
getting tied down. Come see us about starting your own money market
account today.
Money Market
Checking Account Features:
- 1 Box (50) Money Market Checks provided free of
charge per year
- Maximum of 6 transactions (withdrawals) per month
which includes a limit of 3 checks per month
- $1.00 charge per transaction exceeding monthly
limit
- Service charge of $5.00 if account balance drops
below minimum balance of $2,500 anytime during the month
- Dividends are paid monthly
IRAs (Individual Retirement Accounts)
We have an IRA program you can invest in to
shelter and tax-defer your earned income. No start-up costs or maintenance
fees are required. In addition to regular IRAs, we offer Roth and
Educational accounts.
Insurance
We provide a variety of insurance services.
-
Accidental Death
You can protect your loans with inexpensive insurance provided through
the credit union. Accidental Death Insurance pays off your loans
up to the plan maximum in the event that you die before completing
repayment.
-
Credit Disability
We offer Credit Disability Insurance to our borrowing members.
This payment protection makes your loan payments in the event of your
injury or illness. Certain restrictions apply. Please ask
for details.
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