savings rates

last dividend declaration date:  February 1, 2025

^*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.

^**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.

^***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 13-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.

^*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.

^*APY = Annual Percentage Yield. Balances over $10,000 receive a 0.01% APY.  In order to earn the high dividend, the member must meet the following qualifications: Member must be enrolled in eStatements, have a valid email address on file, log into their Online Banking at least once a month, swipe their BlueOx Debit Card at least 15 times a month, and have at least $500 direct deposited into the account a month. Note that BlueOx Credit Union posts transactions based on how they are received from the merchants. Fees may reduce earnings.

^*APY = Annual Percentage Yield. Fees may reduce earnings. Federally insured by the NCUA.

^**APY = Annual Percentage Yield. APYs are accurate as of October 1, 2026. A minimum deposit of $50 is required to open the 9-month promotional CD and obtain the advertised 4.00% APY. A minimum deposit of $50 is required to open the 15-month promotional CD and obtain the advertised 4.70% APY. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Dividends are compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump is permitted during the CD term. If Ignite Credit Union increases the advertised rate for the same CD Special you currently hold, you may request a one-time increase to the new advertised rate. The rate bump applies only to Ignite Credit Union’s advertised rate for the same CD Special and does not extend or otherwise change the original CD term or maturity date. Limited-time offer. Federally insured by NCUA.

^***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 13-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.