Save for Medical Expenses with a Blaze HSA Money Market
A Blaze Health Savings Account (HSA) Money Market helps you save for healthcare expenses while earning dividends.
Unlike traditional savings accounts, an HSA Money Market account combines flexible healthcare spending with the ability to grow your savings over time since your funds never expire.
HSAs are designed to work alongside qualifying high-deductible health plans (HDHPs). If your employer is a part of the Blaze Select Employer Group (SEG), pre-tax deposits can be added to your HSA Money Market funds to help pay for current and future medical expenses. Please check with your insurance provider to confirm which medical expenses qualify.
Why Save with a Blaze HSA Money Market
Tiered Dividends
Earn dividends at a higher rate than a traditional savings account. As your balance rises, so do your dividend rates.
No Minimum Balance or Maintenance Fees
As you pay for qualified medical expenses, you won't need to worry about holding a minimum balance or paying for maintenance fees.
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.
Pay for Qualified Health Expenses with the Blaze HSA Visa® Debit Card
Easily pay for qualified medications, supplies, and medical bills with your Blaze HSA Visa Debit card. No need to get reimbursed, just tap your card at the register or add your card to your digital wallet for purchases.
Please check with your insurance provider to confirm which medical expenses qualify.
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 an HSA Money Market
Once you're a member, you can add a Blaze HSA Money Market account within Blaze Digital Banking or by visiting your nearest Blaze branch.
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 |
| 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*
- 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
- 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
- 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.
