Term Certificates
Build a better future, faster
Earn up to 3.90% APY on Term Certificates.
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.
Your savings, your way!
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Term |
Minimum Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 11 Month Liquid Certificate |
Minimum Balance $1,000 |
Dividend Rate 3.84% |
APY 3.90% |
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Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 12/1/2024. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply. You can add funds to the certificate during the term and may make a one-time withdrawal up to the total balance including dividends earned and paid, without penalty, beginning 7 days after the certificate has been opened or renewed. For any withdrawals within the first 7 days, and any withdrawals other than the one-time penalty free withdrawal, an early withdrawal penalty applies. Withdrawal requests are subject to funds verification. Liquid Certificates will automatically renew to a new Liquid Certificate for the same term and other features at the dividend rate and APY in effect at the time of renewal, unless we notify you 30 days prior to maturity. |
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Term |
Minimum Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 3 Month Promotional Certificate* |
Minimum Balance $1,000 |
Dividend Rate 3.21% |
APY 3.25% |
|
Term 3-5 Months |
Minimum Balance $1,000 |
Dividend Rate 0.25% |
APY 0.25% |
|
Term 6 Month Promotional Certificate* |
Minimum Balance $1,000 |
Dividend Rate 3.45% |
APY 3.50% |
|
Term 6-11 Months |
Minimum Balance $1,000 |
Dividend Rate 1.00% |
APY 1.00% |
|
Term 9 Month Promotional Certificate* |
Minimum Balance $1,000 |
Dividend Rate 2.97% |
APY 3.00% |
|
Term 12 Month Promotional Certificate* |
Minimum Balance $1,000 |
Dividend Rate 2.72% |
APY 2.75% |
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Term 12-23 Months |
Minimum Balance $1,000 |
Dividend Rate 1.99% |
APY 2.00% |
|
Term 24-35 Months |
Minimum Balance $1,000 |
Dividend Rate 1.99% |
APY 2.00% |
|
Term 36-59 Months |
Minimum Balance $1,000 |
Dividend Rate 1.99% |
APY 2.00% |
|
Term 60-120 Months |
Minimum Balance $1,000 |
Dividend Rate 1.99% |
APY 2.00% |
|
Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 12/1/2024. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply. *These promotions are a limited time offer. |
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|
Term |
Minimum Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 13-Month |
Minimum Balance $1,000 |
Dividend Rate .15% |
APY .15% |
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Term 24-Month |
Minimum Balance $1,000 |
Dividend Rate .50% |
APY .50% |
|
Term 36-Month |
Minimum Balance $1,000 |
Dividend Rate .75% |
APY .75% |
|
Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 12/1/2024. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply. 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 |
Minimum Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 12 Months |
Minimum Balance $250 |
Dividend Rate .40% |
APY .40% |
|
Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 12/1/2024. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply. You can add funds to the certificate during the term. Minimum deposit amount $100, maximum $999.99. There are no limitations on the frequency or timing of additions, except that no additions can be made in the last 7 days before maturity. |
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|
Term |
Minimum Balace |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 12 Months |
Minimum Balace $1,000 |
Dividend Rate 2.97% |
APY 3.00% |
|
Term 18 Months |
Minimum Balace $1,000 |
Dividend Rate .50% |
APY .50% |
|
Term 24 Months |
Minimum Balace $1,000 |
Dividend Rate .75% |
APY .75% |
|
Term 60-120 Months |
Minimum Balace $1,000 |
Dividend Rate .95% |
APY .95% |
|
Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 12/1/2024. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply. |
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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.