Credit union · NCUA insured
Blaze Credit Union CD Rates
Top CarrotBlaze Credit Union’s best CD rate is 4.80% APY on a 6-year share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Blaze Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Blaze Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
Premium Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Blaze Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Blaze Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 4.80%APY · 7 terms
Minimum opening deposit of $100,000. Additional deposits not allowed. Early withdrawal penalty of 90 days dividends. Automatically renews with a 14 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded/credited quarterly & at maturity | 4.50% | — |
| 24 monthsDividends compounded/credited quarterly & at maturity. Includes 24 Month Step-Up option allowing exchange of dividend rate once per term | 4.50% | — |
| 36 monthsDividends compounded/credited quarterly & at maturity | 4.60% | — |
| 48 monthsDividends compounded/credited quarterly & at maturity | 4.70% | — |
| 60 monthsDividends compounded/credited quarterly & at maturity | 4.70% | — |
| 72 monthsDividends compounded/credited quarterly & at maturity | 4.80% | — |
| 84 monthsDividends compounded/credited quarterly & at maturity | 4.80% | — |
Sources (3)
- blazecu.com/personal/personal-dividend-rates
- blazecu.com/personal/save/certificates
- blazecu.com/getContentAsset/16…33a1d0/TIS_RateSheet.pdf
All captured Oct 5, 2026
Premium Certificate
Up to 4.60%APY · 10 terms
Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded/credited at maturity | 4.00% | $99 |
| 6 monthsDividends compounded/credited at maturity | 4.20% | $208 |
| 12 monthsDividends compounded/credited quarterly & at maturity | 4.30% | $430 |
| 18 monthsDividends compounded/credited quarterly & at maturity | 4.30% | $652 |
| 24 monthsDividends compounded/credited quarterly & at maturity. Includes 24 Month Step-Up option allowing exchange of dividend rate once per term | 4.30% | $878 |
| 36 monthsDividends compounded/credited quarterly & at maturity | 4.40% | $1,379 |
| 48 monthsDividends compounded/credited quarterly & at maturity | 4.50% | $1,925 |
| 60 monthsDividends compounded/credited quarterly & at maturity | 4.50% | $2,462 |
| 72 monthsDividends compounded/credited quarterly & at maturity | 4.60% | $3,098 |
| 84 months | 4.60% | $3,700 |
Sources (3)
- blazecu.com/personal/personal-dividend-rates
- blazecu.com/personal/save/certificates
- blazecu.com/getContentAsset/16…33a1d0/TIS_RateSheet.pdf
All captured Oct 5, 2026
Regular Certificate
Up to 4.50%APY · 10 terms
Minimum opening deposit of $500. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded/credited at maturity | 3.90% | $96 |
| 6 monthsDividends compounded/credited at maturity | 4.10% | $203 |
| 12 monthsDividends compounded/credited quarterly & at maturity | 4.20% | $420 |
| 18 monthsDividends compounded/credited quarterly & at maturity | 4.20% | $637 |
| 24 monthsDividends compounded/credited quarterly & at maturity. Includes 24 Month Step-Up option allowing exchange of dividend rate once per term | 4.20% | $858 |
| 36 monthsDividends compounded/credited quarterly & at maturity | 4.30% | $1,346 |
| 48 monthsDividends compounded/credited quarterly & at maturity | 4.40% | $1,880 |
| 60 monthsDividends compounded/credited quarterly & at maturity | 4.40% | $2,402 |
| 72 monthsDividends compounded/credited quarterly & at maturity | 4.50% | $3,023 |
| 84 months | 4.50% | $3,609 |
Sources (3)
- blazecu.com/personal/personal-dividend-rates
- blazecu.com/personal/save/certificates
- blazecu.com/getContentAsset/16…33a1d0/TIS_RateSheet.pdf
All captured Oct 5, 2026
Certificate Builder
3.80%APY · 2 terms
Minimum opening deposit of $25. Allows unlimited additional deposits during the term. Early withdrawal penalty applies (30 days dividends). Automatically renews with a 14 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded/credited quarterly | 3.80% | $188 |
| 12 monthsDividends compounded/credited quarterly | 3.80% | $380 |
Sources (3)
- blazecu.com/personal/personal-dividend-rates
- blazecu.com/personal/save/certificates
- blazecu.com/getContentAsset/16…33a1d0/TIS_RateSheet.pdf
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.60%APY · 10 terms
Requires an established qualified plan account (Traditional, Roth, or SEP/CESA/HSA). Dividends earned on Traditional and Roth IRA Certificates can be paid to any IRA of the same type or paid back to the IRA certificate. May be subject to IRS penalties.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsPremium tier. Dividends compounded/credited at maturity. Early withdrawal penalty of 30 days dividends | — | 4.00% | — | 4.00% | $99 |
| 3 monthsRegular tier. Dividends compounded/credited at maturity. Early withdrawal penalty of 30 days dividends | 3.90% | — | — | 3.90% | $96 |
| 6 monthsPremium tier. Dividends compounded/credited at maturity. Early withdrawal penalty of 30 days dividends | — | 4.20% | — | 4.20% | $208 |
| 6 monthsRegular tier. Dividends compounded/credited at maturity. Early withdrawal penalty of 30 days dividends | 4.10% | — | — | 4.10% | $203 |
| 12 monthsDividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 90 days dividends | — | — | 4.50% | —4.50% from $100k | — |
| 12 monthsPremium tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | — | 4.30% | — | 4.30% | $430 |
| 12 monthsRegular tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | 4.20% | — | — | 4.20% | $420 |
| 18 monthsPremium tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | — | 4.30% | — | 4.30% | $652 |
| 18 monthsRegular tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | 4.20% | — | — | 4.20% | $637 |
| 24 monthsDividends compounded/credited quarterly & at maturity. Includes 24 Month Step-Up option allowing exchange of dividend rate once per term. Early withdrawal penalty of 90 days dividends | — | — | 4.50% | —4.50% from $100k | — |
| 24 monthsPremium tier. Dividends compounded/credited quarterly & at maturity. Includes 24 Month Step-Up option allowing exchange of dividend rate once per term. Early withdrawal penalty of 30 days dividends | — | 4.30% | — | 4.30% | $878 |
| 24 monthsRegular tier. Dividends compounded/credited quarterly & at maturity. Includes 24 Month Step-Up option allowing exchange of dividend rate once per term. Early withdrawal penalty of 30 days dividends | 4.20% | — | — | 4.20% | $858 |
| 36 monthsDividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 90 days dividends | — | — | 4.60% | —4.60% from $100k | — |
| 36 monthsPremium tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | — | 4.40% | — | 4.40% | $1,379 |
| 36 monthsRegular tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | 4.30% | — | — | 4.30% | $1,346 |
| 48 monthsDividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 90 days dividends | — | — | 4.70% | —4.70% from $100k | — |
| 48 monthsPremium tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | — | 4.50% | — | 4.50% | $1,925 |
| 48 monthsRegular tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | 4.40% | — | — | 4.40% | $1,880 |
| 60 monthsDividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 90 days dividends | — | — | 4.70% | —4.70% from $100k | — |
| 60 monthsPremium tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | — | 4.50% | — | 4.50% | $2,462 |
| 60 monthsRegular tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | 4.40% | — | — | 4.40% | $2,402 |
| 72 monthsDividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 90 days dividends | — | — | 4.80% | —4.80% from $100k | — |
| 72 monthsPremium tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | — | 4.60% | — | 4.60% | $3,098 |
| 72 monthsRegular tier. Dividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 30 days dividends | 4.50% | — | — | 4.50% | $3,023 |
| 84 monthsDividends compounded/credited quarterly & at maturity. Early withdrawal penalty of 90 days dividends | — | — | 4.80% | —4.80% from $100k | — |
| 84 monthsPremium tier | — | 4.60% | — | 4.60% | $3,700 |
| 84 monthsRegular tier | 4.50% | — | — | 4.50% | $3,609 |
Sources (2)
- blazecu.com/personal/save/individual-retirement-accounts
- blazecu.com/getContentAsset/16…33a1d0/TIS_RateSheet.pdf
All captured Oct 5, 2026
Who can join Blaze Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, volunteer, attend school, or do business in designated counties in Minnesota and Wisconsin (as well as qualifying organizations and businesses) are eligible to join.
Employers and groups
- Employees of Ecolab Inc. and its wholly owned US subsidiaries are eligible to join.
- Employees, pensioners, annuitants, or persons with a relationship to Hubbard Broadcasting, Inc., or Liberty Diversified International (LDI) and their divisions/subsidiaries are eligible to join.
- Employees and voting members of Minnesota Hockey in St. Paul, MN are eligible to join.
- Employees and members of Minnesota Recreation and Park Association and Foundation qualifying under specified bylaws are eligible to join.
- Employees of Short Elliott Hendrickson, Inc. working in or paid from specified locations are eligible to join.
6 more ways to join
Employers and groups
- Employees of Supervalu, Inc. Cub Corporation Stillwater, MN and Pharmacy Subsidiary of Supervalu, Inc. are eligible to join.
Military, government and schools
- Non-federal employees/volunteers at Fort Snelling Reservation or Cemetery, and retirees/dependents receiving benefits from Fort Snelling installation, are eligible to join.
- Employees of the MN Department of Transportation or MN Department of Public Safety working in Minnesota are eligible to join.
- Members of the University of Minnesota Alumni Association (UMAA) are eligible to join.
Family and household
- Immediate family members of current Blaze Credit Union members are eligible for membership.
Other ways
- Anyone who does not meet other criteria can become eligible by making a one-time $10 donation to the Blaze Foundation.
Cost to join
- A one-time donation of $10 to the Blaze Foundation is required to join via the foundation route.
- A minimum balance of $10.00 (par value) in a Share Savings account is required to maintain membership.
Membership information collected October 4, 2026.