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.
Higher Dividends
Earn dividends at a higher rate than a traditional savings account.
Rate Lock-in
Your rate is locked in for the term of your certificate.
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 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.
Rates
Regular CertificatesRates Effective: 5/6/2024
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 3 Months | 3.600 | 3.60 |
| 6 Months | 4.900 | 4.90 |
| 12 Months | 4.810 | 4.89 |
| 18 Months | 3.840 | 3.89 |
| 24 Months | 3.600 | 3.64 |
| 36 Months | 3.360 | 3.40 |
| 48 Months | 3.110 | 3.14 |
| 60 Months | 3.110 | 3.14 |
Premium CertificatesRates Effective: 5/6/2024
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 3 Months | 3.700 | 3.70 |
| 6 Months | 5.000 | 5.00 |
| 12 Months | 4.910 | 5.00 |
| 18 Months | 3.940 | 3.99 |
| 24 Months | 3.700 | 3.75 |
| 36 Months | 3.460 | 3.50 |
| 48 Months | 3.210 | 3.24 |
| 60 Months | 3.210 | 3.24 |
Jumbo CertificatesRates Effective: 5/6/2024
Rate Type |
Dividend Rate | APY* |
|---|---|---|
| 12 Months | 5.100 | 5.19 |
| 24 Months | 3.890 | 3.95 |
| 36 Months | 3.650 | 3.70 |
*Quoted Annual Percentage Yield (APY) assumes dividends earned are paid and compounded quarterly to the certificate and remain on deposit at maturity. Three and six-month certificates are paid dividends at maturity only. If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly. A withdrawal of dividends will reduce earnings.
Dividends can be paid to a certificate, share savings, money market savings or checking account.
IRA and HSA Certificates are also available. Dividends earned on HSA certificates must be paid to the certificate. Dividends earned on Traditional and Roth IRA Certificates can be paid to any IRA of the same type.
Early Withdrawal Penalties: All certificates are subject to early withdrawal penalties. The registered owner(s) contracts to keep the funds deposited until Maturity Date. If any or all of the certificate original amount is withdrawn before the Maturity Date, federal regulation requires the credit union to charge a penalty. If your account has an original maturity of less or equal to 12 months, the penalty amount equivalent is up to 3 months' dividends plus all accrued, uncredited dividends. If your account has an original maturity of 13 to 47 months, the penalty amount equivalent is up to 6 months' dividends plus all accrued, uncredited dividends. If your account has an original maturity of greater than or equal to 48 months, the penalty amount equivalent is up to 12 months' dividends plus all accrued, uncredited dividends.
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).
Fees
See current Service Fee Schedule for additional information. Fees may reduce earnings.