Lock it In & Let it Grow
Blaze Certificates let you commit funds over a fixed term in exchange for a guaranteed, higher, fixed dividend rate.
Choose from three to 60-month terms and minimums starting at $500. Dividend rates are locked for the term you choose, but you can trade up at any time.
Why Choose a Blaze Certificate
Guaranteed Higher Dividends
Earn dividends at a guaranteed fixed rate that is higher than a traditional savings account for a term of your choice.
Flexible Dividend Payments
Dividends can be paid into your Certificate or a Blaze Share Savings, Money Market, or Checking account.
Traditional and Roth IRA certificate dividends must be paid back to the IRA certificate.
Absolute Security
Savings are insured up to $250,000 by NCUA. Not a single penny of federally insured savings has ever been lost.
Trade Up
Trade Up Your Certificate
You can trade up a certificate for a new one with a longer or equal remaining term to take advantage of rising dividend rates.
Half of the early withdrawal penalty will be imposed on the existing certificate for each trade up.
There is no limit to the number of times you can trade up.
Getting Started
Blaze offers three tiers of Certificate accounts.
| Feature | Regular | Premium | Jumbo |
|---|---|---|---|
| Terms | 3–60 mo |
3–60 mo |
12–60 mo |
| Minimum Balance | $500 |
$10,000 |
$100,000 |
| Good for | Starter account |
Larger balances |
Highest yields |
Regular
- Terms
3–60 mo
- Minimum Balance
$500
- Good for
Starter account
Premium
- Terms
3–60 mo
- Minimum Balance
$10,000
- Good for
Larger balances
Jumbo
- Terms
12–60 mo
- Minimum Balance
$100,000
- Good for
Highest yields
Join Blaze Today
To start, join Blaze by opening a Share Savings account. Your Blaze Share Savings account represents your credit union share in ownership and entitles you to all of Blaze's benefits.
Experience personalized service, useful solutions, the best products and rates, and a credit union that wants to help you accomplish your life goals.
Add a Certificate Account
Once you're a member, you can add a Blaze Certificate account within Blaze Digital Banking or by visiting your nearest Blaze branch.
An opening deposit is required when adding a Blaze Certificate account.
Regular: $500 Minimum Opening BalanceRates Effective: 11/24/2025
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 3 Months | 3.400 | 3.40 |
| 6 Months | 3.700 | 3.70 |
| 12 Months | 3.747 | 3.80 |
| 18 Months | 3.552 | 3.60 |
| 24 Months | 3.552 | 3.60 |
| 36 Months | 3.552 | 3.60 |
| 48 Months | 3.552 | 3.60 |
| 60 Months | 3.552 | 3.60 |
Premium: $10,000 Minimum Opening BalanceRates Effective: 11/24/2025
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 3 Months | 3.500 | 3.50 |
| 6 Months | 3.800 | 3.80 |
| 12 Months | 3.844 | 3.90 |
| 18 Months | 3.650 | 3.70 |
| 24 Months | 3.650 | 3.70 |
| 36 Months | 3.650 | 3.70 |
| 48 Months | 3.650 | 3.70 |
| 60 Months | 3.650 | 3.70 |
Jumbo: $100,000 Minimum Opening BalanceRates Effective: 11/24/2025
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 12 Months | 4.038 | 4.10 |
| 24 Months | 3.844 | 3.90 |
| 36 Months | 3.844 | 3.90 |
| 48 Months | 3.844 | 3.90 |
| 60 Months | 3.844 | 3.90 |
*Annual Percentage Yield. Dividend Rates may be rounded for display purposes. APY is exact.
Blaze Savings Account Comparison
| Feature | Certificate | Money Market | Share Savings |
|---|---|---|---|
| Monthly Fee | None |
None with $2,500 minimum balance |
None |
| Minimum Balance | $500 |
$2,500 |
$10 |
| Opening Deposit | $500 |
$2,500 |
$10 |
| Annual Percentage Yield (APY) | Higher fixed APY for a set term |
Tiered APY based on balance |
Lower APY |
| Dividends Earned | Balance of $500 or more |
Any balance |
Any balance |
| Account Transfers | Early Withdrawal Fee |
Free |
Free |
| ATM Access | None |
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee |
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee |
| ATM Fee Waiver | None |
Two per month |
None |
| Digital Banking | Free access to Blaze Digital Banking and the Blaze CU Mobile app |
Free access to Blaze Digital Banking and the Blaze CU Mobile app |
Free access to Blaze Digital Banking and the Blaze CU Mobile app |
| Insured Funds | Federally insured up to $250,000 through the NCUA |
Federally insured up to $250,000 through the NCUA |
Federally insured up to $250,000 through the NCUA |
| Fraud Protection | 24-hour account monitoring and customized account alerts |
24-hour account monitoring and customized account alerts |
24-hour account monitoring and customized account alerts |
Certificate
- Monthly Fee
None
- Minimum Balance
$500
- Opening Deposit
$500
- Annual Percentage Yield (APY)
Higher fixed APY for a set term
- Dividends Earned
Balance of $500 or more
- Account Transfers
Early Withdrawal Fee
- ATM Access
None
- ATM Fee Waiver
None
- Digital Banking
Free access to Blaze Digital Banking and the Blaze CU Mobile app
- Insured Funds
Federally insured up to $250,000 through the NCUA
- Fraud Protection
24-hour account monitoring and customized account alerts
Money Market
- Monthly Fee
None with $2,500 minimum balance
- Minimum Balance
$2,500
- Opening Deposit
$2,500
- Annual Percentage Yield (APY)
Tiered APY based on balance
- Dividends Earned
Any balance
- Account Transfers
Free
- ATM Access
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee
- ATM Fee Waiver
Two per month
- Digital Banking
Free access to Blaze Digital Banking and the Blaze CU Mobile app
- Insured Funds
Federally insured up to $250,000 through the NCUA
- Fraud Protection
24-hour account monitoring and customized account alerts
Share Savings
- Monthly Fee
None
- Minimum Balance
$10
- Opening Deposit
$10
- Annual Percentage Yield (APY)
Lower APY
- Dividends Earned
Any balance
- Account Transfers
Free
- ATM Access
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee
- ATM Fee Waiver
None
- Digital Banking
Free access to Blaze Digital Banking and the Blaze CU Mobile app
- Insured Funds
Federally insured up to $250,000 through the NCUA
- Fraud Protection
24-hour account monitoring and customized account alerts
Calculate Your Journey
Use our free, easy-to-use financial calculators to answer common money questions and help you confidently blaze your financial path.
Disclosures
Fees
See current Service Fee Schedule for additional information. Fees may reduce earnings.
