A Smarter Way to Grow Your Savings
Play the long game, the smart way.
BluPeak’s BluRIPPLE Term Certificates make it easy to grow your money safely—with guaranteed returns and competitive dividend rates that reward your commitment. Whether you’re planning for the short term or saving for the future, your funds are federally insured and your growth is predictable.
Why Choose a Term Certificate With BluPeak
Guaranteed Growth
Enjoy predictable earnings with a fixed dividend rate.
Higher Returns
Earn more than a regular savings account—especially with our Intro Rate options.
NCUA Insured
Your deposits are federally insured up to at least $250,000.
Flexible terms that fits your goals.
Looking for a straightforward and predictable way to grow your savings? With clear minimums, flexible renewal options, and a consistent approach to early withdrawals, you can focus on your goals—not the fine print.
6-Month Term
12-Month Term
18-Month Term
24-Month Term
Minimum Opening Balance
$500
Minimum Balance
$500
Set up your preferred automatic renewal.
Default Renewal
Automatically renews for the same term at the rate in effect on the renewal date. (Intro Rate certificates renew to the standard rate.)
Alternative Renewal
Automatically closes and transfers funds to your BluPeak deposit account.
Opening a BluRIPPLE Term Certificate is simple:
Click below to start today
Want personalized assistance? You can also visit your local branch or call a BluPeak representative.
Save Confidently With BluPeak
At BluPeak, we’re here to help you make the most of your money—with smarter savings options, competitive rates, and people who care about your financial success. Whether you’re starting small or saving for something big, a Term Share Certificate is a dependable step toward your goals.
Ready to grow your savings?
Term Certificate FAQs
Is there penalty to withdraw from a Term Certificate?
Yes, there is a penalty to withdraw from a Term Certificate prior to its maturity date.
- Original term of less than one year: 90 days’ worth of dividends.
- Original term of one year or more: 180 days’ worth of dividends.
What is the process for opening a Term Certificate?
It’s easy! If you’re already a member, simply give us a call at 866.873.4968.
Not yet a member? You’ll need to join the Credit Union before opening your certificate account. Click here to get the ball rolling, or call us at 866.873.4968. We’re here to help!
Can I have Term Certificates in my IRA?
Yes! A broad range of investment options — including term certificates — are permitted in an Individual Retirement Account (IRA), and many experts recommend keeping at least some of your retirement savings in safe, federally-insured investments like Term Certificates. We recommend you check with your tax advisor and BluPeak Credit Union Financial Consultant to see how Term Certificates might fit within your overall retirement plan.
Disclosures
Must meet membership and account criteria. Rates, conditions, and terms subject to change. Early withdrawal penalties apply.