Credit union · NCUA insured
Blue Flame Credit Union CD Rates
Blue Flame Credit Union’s best CD rate is 3.90% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Blue Flame Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Blue Flame Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Blue Flame Credit Union
3.90%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,108
Share Certificates
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Blue Flame Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo2.65%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.90%
- QualifiedQualified3.90%
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 Blue Flame 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.
Share Certificates
Up to 3.90%APY · 9 terms
Dividends are compounded and paid monthly. Early withdrawal penalties apply. Automatically renews for the same term at maturity unless otherwise requested.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance before dividends can be earned | 2.15% | $53 |
| 6 monthsMinimum balance before dividends can be earned | 2.65% | $132 |
| 9 monthsMinimum balance before dividends can be earned | 3.15% | $235 |
| 12 monthsMinimum balance before dividends can be earned | 3.50% | $350 |
| 18 monthsMinimum balance before dividends can be earned | 3.55% | $537 |
| 24 monthsMinimum balance before dividends can be earned | 3.60% | $733 |
| 36 monthsMinimum balance before dividends can be earned | 3.65% | $1,135 |
| 48 monthsMinimum balance before dividends can be earned | 3.75% | $1,587 |
| 60 monthsMinimum balance before dividends can be earned | 3.90% | $2,108 |
Sources (1)
- blueflamecu.org/accounts/certificates · captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 3.90%APY · 9 terms
Can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Dividends are compounded and paid monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance before dividends can be earned | 2.15% | $53 |
| 6 monthsMinimum balance before dividends can be earned | 2.65% | $132 |
| 9 monthsMinimum balance before dividends can be earned | 3.15% | $235 |
| 12 monthsMinimum balance before dividends can be earned | 3.50% | $350 |
| 18 monthsMinimum balance before dividends can be earned | 3.55% | $537 |
| 24 monthsMinimum balance before dividends can be earned | 3.60% | $733 |
| 36 monthsMinimum balance before dividends can be earned | 3.65% | $1,135 |
| 48 monthsMinimum balance before dividends can be earned | 3.75% | $1,587 |
| 60 monthsMinimum balance before dividends can be earned | 3.90% | $2,108 |
Sources (3)
- blueflamecu.org/accounts/deposit-rates
- blueflamecu.org/accounts/ira-education-savings
- blueflamecu.org/accounts/certificates
All captured Sep 19, 2026
Youth/Young Adult Certificates
Up to 3.90%APY · 9 terms
Available to youth under age 18 and young adults ages 18 through 23. Funds/additional deposits may be added at any time without penalty. Early withdrawal penalties apply. Dividends are compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 2.15% | $53 |
| 6 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 2.65% | $132 |
| 9 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 3.15% | $235 |
| 12 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 3.50% | $350 |
| 18 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 3.55% | $537 |
| 24 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 3.60% | $733 |
| 36 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 3.65% | $1,135 |
| 48 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 3.75% | $1,587 |
| 60 monthsMinimum balance of $500 required to earn dividends. Available for members through age 23 | 3.90% | $2,108 |
Sources (1)
- blueflamecu.org/accounts/certificates · captured Sep 19, 2026
Who can join Blue Flame Credit Union
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