Earn More with Easy Access
A Blaze Money Market account gives you the flexibility of a savings account with higher dividend potential. You’ll enjoy tiered rates that reward larger balances while still allowing access when you need funds.
Why Save with a Blaze Money Market
Tiered Dividends
Earn dividends at a higher rate than a traditional savings account. As your balance rises, so do your dividend rates.
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.
Overdraft Protection
You can link your Blaze Money Market account to other Blaze accounts for overdraft protection.
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.
No-fee Withdrawals
Transfer your money to another account or use your Blaze Visa® Debit card at any time. As long as you keep a minimum balance of $2,500, you will not be charged a fee.
Plus, receive two out-of-network ATM fee waivers per monthly statement cycle.
A minimum balance is not required for HSA or IRA Money Market accounts. Blaze HSA Debit cards cannot be used at an ATM.
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.
HSA & IRAs
Plan Ahead with Blaze HSA & IRA Money Markets
An Individual Retirement Account (IRA) Money Market account allows you to save for retirement on either a tax-free or tax-deferred basis. Blaze offers both Traditional and Roth IRAs.
A Health Savings Account (HSA) Money Market account helps you save for qualified healthcare expenses while earning dividends and enjoying potential tax advantages.
Blaze Credit Union does not provide tax advice. Please consult your tax advisor.
Getting Started
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 Money Market Account
Once you're a member, you can add a Blaze Money Market account within Blaze Digital Banking or by visiting your nearest Blaze branch.
A $2,500 deposit is required to open a Blaze Money Market account (except for HSA or IRA Money Market accounts).
Money Market BalancesRates Effective: 10/27/2025
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| $0 - $9,999.99 | 0.946 | 0.95 |
| $10,000.00-$19,999.99 | 0.946 | 0.95 |
| $20,000 - $49,999.99 | 0.946 | 0.95 |
| $50,000.00 - $99,999.99 | 0.946 | 0.95 |
| $100,000 - $249,999.99 | 1.539 | 1.55 |
| $250,000 - $499,999.99 | 1.736 | 1.75 |
| $500,000 - $999,999.99 | 2.716 | 2.75 |
| $1,000,000 + | 3.203 | 3.25 |
*Annual Percentage Yield.
A $2,500 minimum opening deposit is required.
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).
Blaze Savings Account Comparison
| Feature | Money Market | Certificate | Share Savings |
|---|---|---|---|
| Monthly Fee | None with $2,500 minimum balance* |
None |
None |
| Minimum Balance | $2,500* |
$25-$100,000 depending on tier |
$10 |
| Opening Deposit | $2,500* |
$25-$100,000 depending on tier |
$10 |
| Annual Percentage Yield (APY) | Tiered APY based on balance |
Higher fixed APY for a set term |
Lower APY |
| Dividends Earned | Any balance |
Balance of $25 or more depending on tier, paid quarterly or at maturity |
Any balance |
| Dividends Paid | Monthly |
Quarterly, or at maturity |
Quarterly |
| 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. Not applicable for IRA or HSA Money Markets. |
None |
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee |
| ATM Fee Waiver | Two per month. Not applicable for IRA or HSA Money Markets. |
None |
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 |
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
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
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
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.
