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Get to Your Next Destination by Saving with Blaze

No matter your goals or how much you're able to save, Blaze has a range of account options to help you build your financial foundation. Start with a Blaze Share Savings account or explore our specialized accounts to help you get there faster.

Blaze Share Savings

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

See Share Savings Accounts

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

Money Market

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

See Money Market Options

Blaze Savings Account Comparison

Feature	Share Savings	Certificate	Money Market
Monthly Fee	None	None	None with $2,500 minimum balance^*
Minimum Balance	$10	$25-$100,000 depending on tier	$2,500^*
Opening Deposit	$10	$25-$100,000 depending on tier	$2,500^*
Annual Percentage Yield (APY)	Lower APY	Higher fixed APY for a set term	Tiered APY based on balance
Dividends Earned	Any balance	Balance of $25 or more depending on tier, paid quarterly or at maturity	Any balance
Account Transfers	Free	Early Withdrawal Fee	Free
ATM Access	125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee	None	125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee. Not applicable for IRA or HSA Money Markets.
ATM Fee Waiver	None	None	Two per month. Not applicable for IRA or HSA Money Markets.
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	All deposit product aggregate balances, with the same owners, are insured up to $250,000.	All deposit product aggregate balances, with the same owners, are insured up to $250,000.	All deposit product aggregate balances, with the same owners, are insured up to $250,000.
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

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: All deposit product aggregate balances, with the same owners, are insured up to $250,000.
Fraud Protection: 24-hour account monitoring and customized account alerts

Monthly Fee: None
Minimum Balance: $25-$100,000 depending on tier
Opening Deposit: $25-$100,000 depending on tier
Annual Percentage Yield (APY): Higher fixed APY for a set term
Dividends Earned: Balance of $25 or more depending on tier, paid quarterly or at maturity
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: All deposit product aggregate balances, with the same owners, are insured up to $250,000.
Fraud Protection: 24-hour account monitoring and customized account alerts

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. Not applicable for IRA or HSA Money Markets.
ATM Fee Waiver: Two per month. Not applicable for IRA or HSA Money Markets.
Digital Banking: Free access to Blaze Digital Banking and the Blaze CU Mobile app
Insured Funds: All deposit product aggregate balances, with the same owners, are insured up to $250,000.
Fraud Protection: 24-hour account monitoring and customized account alerts

*There is no opening or minimum balance required for HSA or IRA Money Market accounts.

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Frequently Asked Questions

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General

Certificates

HSA

IRAs

Money Market

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.

A minimum balance is not required for HSA or IRA Money Market accounts.

Yes. With a Blaze HSA Money Market account, you earn dividends, helping balances grow over time.

Yes. Blaze HSA Money Market accounts come with a Blaze HSA Visa^® Debit card. Purchases made with the HSA Debit card must be for qualified medical expenses. The HSA Debit card cannot be used at an ATM. Check with your healthcare insurance provider for qualifications.

Certificate Builder: six and 12-month terms.
Regular & Premium Certificates: three to 84-month terms.
Jumbo Certificates: 12-84 months

$7,500 (under 50 years old) or $8,100 (50+). Income limits determine deductibility/eligibility. Learn more about the limits for 2026.

Blaze Credit Union does not provide tax advice. Please consult your tax advisor.

Share Savings and Certificate account dividends are paid quarterly or at account 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.

No. HSA balances roll over from year to year and remain yours even if you change employers or health plans.

The Blaze Puppy Pal Share Savings account is for kids 12 years old and younger. The Blaze mascot, Cash the Dog, helps teach children the value of saving with a complimentary Cash the Dog bank and financial wellness book.

Disclosures

Truth in Savings Disclosure

Fees

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

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Ready to watch your money grow? Start saving with Blaze.

Get to Your Next Destination by Saving with Blaze

Blaze Share Savings

Certificates

Individual Retirement Accounts (IRAs)

Money Market

Blaze Savings Account Comparison

What are the ATM fees? Expand/Collapse Card 1

How do I avoid minimum balance fees on a Blaze Money Market account? Expand/Collapse Card 1

Can an HSA earn dividends? Expand/Collapse Card 1

Can I get a debit card with an HSA Money Market account? Expand/Collapse Card 1

What terms can I choose for a Certificate account? Expand/Collapse Card 1

How much can I contribute to an IRA? Expand/Collapse Card 1

How often are savings and certificate dividends paid? Expand/Collapse Card 1

Where are certificate dividends paid? Expand/Collapse Card 1

Do HSA funds expire? Expand/Collapse Card 1

Does Blaze offer accounts for kids? Expand/Collapse Card 1

Disclosures

Fees