Term Certificates
Build a better future, faster
Play the long game, the smart way.
A Term Certificate is a good option for any long-term investment or retirement plan. Give yourself something to feel confident about.
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Greater dividends
With higher dividend rates, your savings are going to grow faster.
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Earnings you can count on
Know exactly what you’ll earn, regardless of market changes.
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Federally insured by NCUA
At BluPeak, your funds are insured to at least $250,000 by NCUA.
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Savings on Your Terms
With flexible terms and investment amounts you can save the amount that’s right for you.
We’ve got options for you.
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Lock in a great rate!
Whether you’re bringing new funds or already have your cash on deposit with BluPeak, we’ve got great rates to help you save more!
Make your money work for you and lock in a special savings rate with our limited time offers3. You’ll give your savings a boost and protect your earnings from market volatility.
- Open with as little as $1,000
- Get a higher rate than a traditional savings account
- No market risk and funds are insured by the NCUA to at least $250,000
Check out our 3, 6 and 12 month Term Certificate offerings.
- 3.75% APY for 3 months
- 4.25% APY for 6 months
- 5.00% APY for 12 months (new money only)
Tomorrow looks good from here.
|
Term |
Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 3-5 Months |
Balance $1,000 - $2,499 |
Dividend Rate 0.25% |
APY 0.25% |
|
Term 3-5 Months |
Balance $2,500 - $9,999 |
Dividend Rate 0.25% |
APY 0.25% |
|
Term 3-5 Months |
Balance Over $10,000 |
Dividend Rate 0.25% |
APY 0.25% |
|
Term 6-11 Months |
Balance $1,000 - $2,499 |
Dividend Rate 1.00% |
APY 1.00% |
|
Term 6-11 Months |
Balance $2,500 - $9,999 |
Dividend Rate 1.00% |
APY 1.00% |
|
Term 6-11 Months |
Balance Over $10,000 |
Dividend Rate 1.00% |
APY 1.00% |
|
Term 12-23 Months |
Balance $1,000 - $2,499 |
Dividend Rate 1.29% |
APY 1.30% |
|
Term 12-23 Months |
Balance $2,500 - $9,999 |
Dividend Rate 2.96% |
APY 3.00% |
|
Term 12-23 Months |
Balance Over $10,000 |
Dividend Rate 2.96% |
APY 3.00% |
|
Term 24-35 Months |
Balance $1,000 - $2,499 |
Dividend Rate 2.23% |
APY 2.25% |
|
Term 24-35 Months |
Balance $2,500 - $9,999 |
Dividend Rate 3.93% |
APY 4.00% |
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Term 24-35 Months |
Balance Over $10,000 |
Dividend Rate 3.93% |
APY 4.00% |
|
Term 36-59 Months |
Balance $1,000 - $2,499 |
Dividend Rate 2.28% |
APY 2.30% |
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Term 36-59 Months |
Balance $2,500 - $9,999 |
Dividend Rate 2.42% |
APY 2.45% |
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Term 36-59 Months |
Balance Over $10,000 |
Dividend Rate 2.42% |
APY 2.45% |
|
Term 60-120 Months |
Balance $1,000 - $2,499 |
Dividend Rate 2.42% |
APY 2.45% |
|
Term 60-120 Months |
Balance $2,500 - $9,999 |
Dividend Rate 2.42% |
APY 2.45% |
|
Term 60-120 Months |
Balance Over $10,000 |
Dividend Rate 2.42% |
APY 2.45% |
|
Term |
Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 13-Month |
Balance $10,000 - $24,999 |
Dividend Rate .15% |
APY .15% |
|
Term 13-Month |
Balance $25,000 - $49,999 |
Dividend Rate .15% |
APY .15% |
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Term 13-Month |
Balance $50,000 - $99,999 |
Dividend Rate .15% |
APY .15% |
|
Term 24-Month |
Balance $10,000 - $24,999 |
Dividend Rate .50% |
APY .50% |
|
Term 24-Month |
Balance $25,000 - $49,999 |
Dividend Rate .50% |
APY .50% |
|
Term 24-Month |
Balance $50,000 - $99,999 |
Dividend Rate .50% |
APY .50% |
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Term 36-Month |
Balance $10,000 - $24,999 |
Dividend Rate .75% |
APY .75% |
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Term 36-Month |
Balance $25,000 - $49,999 |
Dividend Rate .75% |
APY .75% |
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Term 36-Month |
Balance $50,000 - $99,999 |
Dividend Rate .75% |
APY .75% |
|
You have a one-time option to exchange the original dividend rate for the current rate offered during the first 12 months of the original term. Restrictions apply. See Option Rate disclosure for additional information or ask our staff. |
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|
Term |
Dividend Rate |
APY |
|---|---|---|
|
Term 12 Months |
Dividend Rate .40% |
APY .40% |
|
Term |
Dividend Rate |
APY |
|---|---|---|
|
Term 12 Months |
Dividend Rate .35% |
APY .35% |
|
Term 18 Months |
Dividend Rate .50% |
APY .50% |
|
Term 24 Months |
Dividend Rate .75% |
APY .75% |
|
Term 60-120 Months |
Dividend Rate .95% |
APY .95% |
Need answers? We’ve got ’em.
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.
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!
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.
Ready to take the next step?
Disclosures
Must meet membership and account criteria. Rate terms and conditions subject to change. Early withdrawal penalties apply.
Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges for more information about fees.
1. Minimum additional deposit is $100, maximum $999.99. No additions can be made in the last 7 days before maturity. See account disclosure for additional information.
2. You have a one-time option to exchange the original dividend rate for the current rate offered during the first 12 months of the original term. See account disclosure for additional information.
3. APY valid as of 3/10/2023. These promotions are a limited time offer. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Minimum balance of $1,000. The APY is based on an assumption that dividends will remain in the account until maturity. Early withdrawal penalties apply. Terms and conditions subject to change. 12 month promotion is for new money only. 3 month and 6 month promotion are for new and existing money.