If you've got at least $500 that you know you won't need to use soon, a certificate can be a great way to save with a guaranteed interest rate locked-in for the term of your choice. Your investments are federally insured up to $250,000, making certificates some of the safest investments around.
Rate Lock-in
Your rate is locked in for the term of your certificate. You can also trade-up your certificate for a higher rate at any time.
Flexibility
Dividends can be paid to a Blaze Certificate, Share Savings, Money Market, or Checking account.
Traditional and Roth IRA certificate dividends must be paid back to the IRA certificate.
Compare Certificate Options
Regular
Three to 60-month terms with a $500 minimum balance.
Premium
Three to 60-month terms with a $10,000 minimum balance.
Jumbo
12 to 36-month terms with a $100,000 minimum balance.
Trade Up
Trade-Up Your Certificate
Take advantage of rising dividend rates by trading any existing Blaze Certificate to a new certificate of greater or equal term.
The term of the new certificate must be greater than or equal to the remaining term of the existing certificate.
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.
Regular: $500 Minimum Opening BalanceRates Effective: 7/3/2025
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 3 Months | 3.500 | 3.50 |
| 6 Months | 4.100 | 4.10 |
| 12 Months | 4.038 | 4.10 |
| 18 Months | 3.844 | 3.90 |
| 24 Months | 3.747 | 3.80 |
| 36 Months | 3.747 | 3.80 |
| 48 Months | 3.747 | 3.80 |
| 60 Months | 3.747 | 3.80 |
Premium: $10,000 Minimum Opening BalanceRates Effective: 7/3/2025
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 3 Months | 3.600 | 3.60 |
| 6 Months | 4.200 | 4.20 |
| 12 Months | 4.135 | 4.20 |
| 18 Months | 3.941 | 4.00 |
| 24 Months | 3.844 | 3.90 |
| 36 Months | 3.844 | 3.90 |
| 48 Months | 3.844 | 3.90 |
| 60 Months | 3.844 | 3.90 |
Jumbo: $100,000 Minimum Opening BalanceRates Effective: 7/3/2025
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 12 Months | 4.329 | 4.40 |
| 24 Months | 4.038 | 4.10 |
| 36 Months | 4.038 | 4.10 |
| 48 Months | 4.038 | 4.10 |
| 60 Months | 4.038 | 4.10 |
*Annual Percentage Yield. Dividend Rates may be rounded for display purposes. APY is exact.
For more infirmation, read our Truth in Savings Disclosure.
Fees
See current Service Fee Schedule for additional information. Fees may reduce earnings.