Lock it In & Let it Grow
Blaze Certificates let you commit funds over a fixed term in exchange for a guaranteed, higher dividend rate.
At the end of its term, your Blaze Certificate will automatically renew—you can add additional funds to your certificate then, or move the funds to another account.
Why Choose a Blaze Certificate
A certificate is a great way to watch your funds grow while saving at a higher rate for the term you select.
Choose from three to 84-month terms with opening minimum balances as low as $25.
Dividend rates are locked for the term you choose, but you can trade up at any time.
Traditional Certificates
Choose from three tiers of traditional certificate accounts depending on how much money you'd like to deposit—regular, premium, and jumbo.
The higher the balance, the higher the dividend rate you can earn.
Traditional certificates allow you to make a one-time deposit at the start of your term.
Certificates are available with terms of three to 84 months.
Certificate Builder
A Blaze Certificate Builder account is great for those just starting to build their savings and want to earn dividends at a higher rate than a Share Savings account.
With as little as $25, you can open a Certificate Builder account and make as many deposits as you'd like throughout the term of the certificate.
Certificate Builder accounts are available with fixed terms of six or 12-months.
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.
All deposit product aggregate balances, with the same owners, are insured up to $250,000. IRAs are also insured separately.
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 | Builder | Regular | Premium | Jumbo |
|---|---|---|---|---|
| Good for | Starter account, teach kids to save |
Start saving at a higher rate |
Larger balances |
Highest yields |
| Terms | 6–12 month |
3–84 month |
3–84 month |
12–84 month |
| Minimum Balance | $25 |
$500 |
$10,000 |
$100,000 |
| Deposits | Unlimited |
Once per term |
Once per term |
Once per term |
| Dividends Paid | Quarterly, or at maturity |
Quarterly, or at maturity |
Quarterly, or at maturity |
Quarterly, or at maturity |
Builder
- Good for
Starter account, teach kids to save
- Terms
6–12 month
- Minimum Balance
$25
- Deposits
Unlimited
- Dividends Paid
Quarterly, or at maturity
Regular
- Good for
Start saving at a higher rate
- Terms
3–84 month
- Minimum Balance
$500
- Deposits
Once per term
- Dividends Paid
Quarterly, or at maturity
Premium
- Good for
Larger balances
- Terms
3–84 month
- Minimum Balance
$10,000
- Deposits
Once per term
- Dividends Paid
Quarterly, or at maturity
Jumbo
- Good for
Highest yields
- Terms
12–84 month
- Minimum Balance
$100,000
- Deposits
Once per term
- Dividends Paid
Quarterly, or at maturity
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.
Builder: $25 Minimum Opening BalanceRates Effective: 6/1/2026
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 6 Months | 3.455 | 3.50 |
| 12 Months | 3.455 | 3.50 |
Regular: $500 Minimum Opening BalanceRates Effective: 5/18/2026
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 3 Months | 3.500 | 3.50 |
| 6 Months | 3.800 | 3.80 |
| 12 Months | 3.747 | 3.80 |
| 18 Months | 3.650 | 3.70 |
| 24 Months | 3.650 | 3.70 |
| 36 Months | 3.650 | 3.70 |
| 48 Months | 3.747 | 3.80 |
| 60 Months | 3.747 | 3.80 |
| 72 Months | 3.844 | 3.90 |
| 84 Months | 3.844 | 3.90 |
Premium: $10,000 Minimum Opening BalanceRates Effective: 5/18/2026
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 3 Months | 3.600 | 3.60 |
| 6 Months | 3.900 | 3.90 |
| 12 Months | 3.844 | 3.90 |
| 18 Months | 3.747 | 3.80 |
| 24 Months | 3.747 | 3.80 |
| 36 Months | 3.747 | 3.80 |
| 48 Months | 3.844 | 3.90 |
| 60 Months | 3.844 | 3.90 |
| 72 Months | 3.941 | 4.00 |
| 84 Months | 3.941 | 4.00 |
Jumbo: $100,000 Minimum Opening BalanceRates Effective: 5/18/2026
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 12 Months | 4.038 | 4.10 |
| 24 Months | 3.941 | 4.00 |
| 36 Months | 3.941 | 4.00 |
| 48 Months | 4.038 | 4.10 |
| 60 Months | 4.038 | 4.10 |
| 72 Months | 4.135 | 4.20 |
| 84 Months | 4.135 | 4.20 |
*Annual Percentage Yield. Dividend Rates may be rounded for display purposes. APY is exact.
For more information, read our Truth in Savings Disclosure.
Blaze Savings Account Comparison
| Feature | Certificate | Money Market | Share Savings |
|---|---|---|---|
| Monthly Fee | None |
None with $2,500 minimum balance* |
None |
| Minimum Balance | $25-$100,000 depending on tier |
$2,500* |
$10 |
| Opening Deposit | $25-$100,000 depending on tier |
$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 $25 or more depending on tier, paid quarterly or at maturity |
Any balance |
Any balance |
| Dividends Paid | Quarterly, or at maturity |
Monthly |
Quarterly |
| 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. Not applicable for IRA or HSA Money Markets. |
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee |
| ATM Fee Waiver | None |
Two per month. Not applicable for IRA or HSA Money Markets. |
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 | 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 |
Certificate
- 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
- Dividends 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
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
- Dividends Paid
Monthly
- 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
Share Savings
- Monthly Fee
None
- Minimum Balance
$10
- Opening Deposit
$10
- Annual Percentage Yield (APY)
Lower APY
- Dividends Earned
Any balance
- Dividends Paid
Quarterly
- 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
*There is no opening or minimum balance required for HSA or IRA Money Market accounts.
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.
