Money Market

Want higher interest rates than regular savings, no risk and 24/7 access to your funds? You want a money market account. Our basic account offers the flexibility and accessibility of a personal savings account, plus these added features:

  • Fully insured1
  • Minimum balance of $2,500 required to earn premium APY

Tiered Money Market2

Our new Tiered Money Market Account pays increasing interest rates as your balance grows and is designed to pay higher interest when you maintain a minimum balance of $25,0003. You’ll have full access to your funds when you need them and will benefit from automatic interest rate increases as your balance grows into new tiers. 

  • Fully insured1
  • Higher interest rate tiers as balance grows3

Tiered Money Market Rates

*Effective as of 4/14/2024

TierAnnual Percentage Yield (APY)
Less Than $25,0000.05%
Between $25,000 and $49,999.991.00%
Between $50,000 and $74,999.991.50%
Between $75,000 and $99,999.992.00%
Between $100,000 and $124,999.992.50%
$125,000 or Greater3.00%
2Monthly service charge of $10.00 when $25,000 minimum daily balance is not maintained.
3Interest rate varies dependent upon the Money Market tier and the daily balance maintained.

Premium Money Market

You deserve the best of both worlds. That's why we’ve combined the high rate of a short-term CD and the accessibility of a savings account. 

  • Fully insured1
  • Earns interest
  • Minimum balance of $25,000 required to earn premium APY

Blue and Gold Money Market

This top-shelf money market account earns a higher rate of interest with optional limited check-writing abilities.  

  • Fully insured1
  • Earns interest
  • Minimum balance of $75,000 required to earn premium APY

Blue Sky Money Market

Blue skies ahead. This money market account earns the highest rate of interest of all of our money market accounts.

  • Fully insured1
  • Earns interest
  • Minimum balance of $125,000 required to earn premium APY

1All Bluestone Bank deposit accounts are insured by the FDIC up to $250,000 per depositor, with the excess over $250,000 insured by the DIF.

Rates4

*Effective as of 4/14/2024

ProgramAnnual Percentage Yield (APY)Minimum Daily Balance to Earn APY
Money Market (Daily balances from $10 to $2,499.99 will earn 0.05% APY. Daily balances below $10 will not earn interest.)0.100%$2,500.00
Tiered Money Market (Interest rate varies dependent upon the Money Market tier and the daily balance maintained. Daily balances below $10 will not earn interest.)Determined by TierDetermined by Tier
Premium Money Market (Daily balances from $10 to $24,999.99 will earn 0.05% APY. Daily balances below $10 will not earn interest.)0.150%$25,000.00
Blue and Gold Money Market (Daily balances from $10 to $74,999.99 will earn 0.05% APY. Daily balances below $10 will not earn interest.)0.200%$75,000.00
Blue Sky Money Market (Daily balances from $10 to $124,999 will earn 0.05% APY. Daily balances below $10 will not earn interest.)3.500%$125,000.00

4Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Accounts are restricted to residents of Massachusetts and Rhode Island.

Your Personal Bankers

Meeting the financial needs of our customers requires a creative approach. Our Personal Bankers are committed to getting to know you and tailoring financial solutions to fit your unique needs, even if that means thinking outside the box. 

Personal Checking Options

Bluestone Bank offers an assortment of personal checking accounts, each designed to meet customer needs.
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