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Grow Your Savings with Blaze

No matter where you are on your financial journey, Blaze has a range of accounts to help pave your path towards your financial goals.

Start with a Share Savings account with as little as $10 and become a Blaze member for life. A Blaze Share Savings account gives you a share of the ownership in the credit union.

Why Save with Blaze

Earn Dividends

As an owner-member of Blaze, you earn dividends on your Share Savings balance starting at $0.01.

Absolute Security

Savings are insured up to $250,000 by NCUA. Not a single penny of federally insured savings has ever been lost.

Learn About NCUA Share Insurance

No Minimum Balance Fee

You won’t pay a monthly fee just for maintaining your savings account. 

Enjoy over 125,000 Free ATMs

Access your money anywhere your path leads. Blaze members enjoy over 125,000 free ATMs worldwide. ATMs are free at all Blaze and Kwik Trip locations. ATMs with the Allpoint or MoneyPass logo and ATMs at Co-op Shared Network credit unions are also free.

Find Nearest ATMs

Easy Transfers & Overdraft Protection

Move funds to other Blaze or external accounts at no cost from Blaze Digital Banking, Blaze ATMs, or at a branch. You can also link your Share Savings to other Blaze accounts for overdraft protection.

Free Blaze Digital Banking

Securely manage your accounts and transfer money from anywhere with free access to Blaze Digital Banking and the Blaze CU Mobile app.

Blaze Digital Services

Getting Started

You can start your Blaze membership by opening a Share Savings account with just $10.

Blaze Share Savings

Your Blaze Share Savings account represents your credit union share in ownership and entitles you to all of Blaze's benefits.

Puppy Pal Share Savings

Open a Puppy Pal Share Savings account for kids 12 years old and younger. Cash the Dog will help teach them the value of saving with a complimentary Cash the Dog bank and financial wellness book.

Pathfinder Share Savings

A savings account designed to help teens ages 13-19 start on the right financial foot. Parents can help manage their account and easily transfer money.

Meet Your Goals

Secondary Savings

Open an additional savings account to put away funds to achieve your goals like a vacation, holiday spending, or buying a new toy.

Money Market

Earn dividends at a great rate with convenient access to your money when you need it. 

See Money Market Options

Certificates

Save faster with a guaranteed interest rate locked in for the term of your choice.

See Certificate Options

Individual Retirement Accounts (IRAs)

Build your wealth so you're prepared for your retirement years.

See IRA Options

SavingsRates Effective: 3/31/2025

Rate Type
Dividend Rate APY*
Share⁺ & Secondary: $0 - $1,999.99 0.050 0.05
Share⁺ & Secondary: $2,000 and Greater 0.100 0.10

Other SavingsRates Effective: 3/31/2025

Rate Type
Dividend Rate APY*
Puppy Pal Share⁺ Savings & Secondary 0.300 0.30
Pathfinder Share⁺ Savings & Secondary 0.300 0.30
Health Savings Account 0.300 0.30

*Annual Percentage Yield.
+$10 minimum balance to open a Share Savings account and maintain membership.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Share Savings Account Details

Feature Details
Monthly Fee

None

Minimum Balance

$10

Opening Deposit

$10

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

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

Details

Monthly Fee

None

Minimum Balance

$10

Opening Deposit

$10

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

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

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Frequently Asked Questions

Blaze members have access to over 125,000 free ATMs worldwide. ATMs are free at all Blaze and Kwik Trip locations; as well as any ATM with the Allpoint or MoneyPass logo and ATMs at Co-op Shared Network credit unions.

For all other ATMs, there is a $2.50 out-of-network free. Learn more about ATMs.

A minimum balance of $2,500 is required to avoid a monthly minimum balance fee.

  • Regular & Premium Certificates: three to 60-month terms.
  • Jumbo Certificates: 12-60 months

$7,000 (under 50 years old) or $8,000 (50+). Income limits determine deductibility/eligibility. Learn more about the limits for 2025.

It depends on the type of account you have:

  • Savings Accounts: Dividends for Share Savings and HSA Savings accounts are paid every quarter.
  • Certificates:
    • 3- and 6-month certificates pay dividends when they mature.
    • 12- to 60-month certificates pay dividends quarterly and again at maturity.

Dividends earned can be paid back to the Certificate or to a Blaze Share Savings, Money Market, or Checking account.

IRA Certificate dividends must be paid back to the IRA Certificate.

Traditional IRA: Contributions may be deductible. Withdrawals made are taxed. RMDs begin at 73.

Roth IRA: Contributions are not deductible. Qualified withdrawals are tax-free. No RMDs for the owner.

Yes—Traditional and Roth IRA Money Market accounts are available with no administrative or maintenance fees.

When you open an account at Blaze, you become a member and gain a share of ownership in the credit union. To become a member and maintain membership, it is required to open a Share Savings account with a $10 minimum balance.

A minimum deposit of $2,500 is required to open a Money Market account.

Calculate Your Journey

Use our free, easy-to-use financial calculators to answer common money questions and help you confidently blaze your financial path.

See all Blaze Financial Calculators

Disclosures

Fees

See current Service Fee Schedule for additional information. Fees may reduce earnings.