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Blaze Credit Union

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Blaze Credit Union Rates & Review November 2026

Q: How many branches does Blaze Credit Union operate?

Blaze Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Blaze Credit Union?

Yes, to access services at Blaze Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Blaze Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blaze Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Blaze Credit Union's 10/1 ARM Jumbo Refi rates are at 6.88%, Adjustable Rate Mortgage (ARM) - 10/1 ARM Jumbo rates are at 6.88%, 15 Year Fixed Refi - Max Closing Costs rates are at 6.62%, 15 Year Fixed Jumbo Refi rates are at 6.75%, 15 Year Fixed rates are at 6.62%. Blaze Credit Union's Personal Loan Rates are as low as 8.75%. Blaze Credit Union's mortgage rates are 1% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Blaze Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.19%. Rates last updated and verified on 10/30/2026.

Blaze Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Blaze Credit Union? Share your experience about Blaze Credit Union by leaving a review below, or read customer reviews before you decide to use Blaze Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.19%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Blaze Credit Union
SPIRE - ADMIN

2025 Larpenteur Ave W
Falcon Heights, MN 55113

https://blazecu.com/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Blaze Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10/1 ARM Jumbo Refi	6.875%	-	6.52%
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.32% → 6.52% ▲ 0.20 pts · high 6.52% / low 6.32% Oct 30, 20266.52%▲ from 6.32% Oct 19, 20266.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Adjustable Rate Mortgage (ARM) - 10/1 ARM Jumbo	6.875%	-	6.52%
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.32% → 6.52% ▲ 0.20 pts · high 6.52% / low 6.32% Oct 30, 20266.52%▲ from 6.32% Oct 19, 20266.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
15 Year Fixed Refi - Max Closing Costs	6.625%	-	6.663%	15 years
No additional details. Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 6.54% → 6.66% ▲ 0.13 pts · high 6.91% / low 6.54% Oct 30, 20266.66%▼ from 6.91% Sep 27, 20266.91%▲ from 6.54% Sep 22, 20266.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
15 Year Fixed Jumbo Refi	6.75%	-	6.782%	15 years
No additional details. Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 6.63% → 6.78% ▲ 0.16 pts · high 7.03% / low 6.63% Oct 30, 20266.78%▼ from 7.03% Sep 27, 20267.03%▲ from 6.63% Sep 22, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
15 Year Fixed	6.625%	-	6.845%
Details Effective: 10/29/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 7.10% → 6.85% ▼ 0.25 pts · high 7.10% / low 6.85% Oct 30, 20266.85%▼ from 7.10% Oct 14, 20267.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
20 Year Fixed	6.875%	-	7.053%
Details Effective: 10/29/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 7.10% → 7.05% ▼ 0.04 pts · high 7.10% / low 7.05% Oct 30, 20267.05%▼ from 7.10% Oct 14, 20267.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
10/1 ARM Refi - Max Closing Costs	6.75%	-	7.174%
No additional details. Last Updated 10/30/2026 Rate History 2 changes since Oct 19, 2026 · 7.17% → 7.17% ▼ 0.00 pts · high 7.22% / low 7.17% Oct 30, 20267.17%▼ from 7.22% Oct 26, 20267.22%▲ from 7.17% Oct 19, 20267.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Adjustable Rate Mortgage (ARM) - 10/1 ARM	6.75%	-	7.174%
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.37% → 7.17% ▼ 0.20 pts · high 7.37% / low 7.17% Oct 30, 20267.17%▼ from 7.37% Oct 19, 20267.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
7/1 ARM Refi - Max Closing Costs	6.50%	-	7.237%
No additional details. Last Updated 10/30/2026 Rate History 2 changes since Oct 19, 2026 · 7.24% → 7.24% ▼ 0.00 pts · high 7.27% / low 7.24% Oct 30, 20267.24%▼ from 7.27% Oct 26, 20267.27%▲ from 7.24% Oct 19, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Adjustable Rate Mortgage (ARM) - 7/1 ARM	6.50%	-	7.237%
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.41% → 7.24% ▼ 0.17 pts · high 7.41% / low 7.24% Oct 30, 20267.24%▼ from 7.41% Oct 19, 20267.41%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed	7.125%	-	7.264%
Details Effective: 10/29/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 7.10% → 7.26% ▲ 0.17 pts · high 7.26% / low 7.10% Oct 30, 20267.26%▲ from 7.10% Oct 14, 20267.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed Jumbo	7.25%	-	7.298%
Details Effective: 10/29/2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed Refi Jumbo	7.25%	-	7.298%	30 years
No additional details. Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 7.30% → 7.30% ▼ 0.00 pts · high 7.55% / low 7.30% Oct 30, 20267.30%▼ from 7.55% Sep 27, 20267.55%▲ from 7.30% Sep 22, 20267.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
5/1 ARM Refi - Max Closing Costs	6.25%	-	7.327%
No additional details. Last Updated 10/30/2026 Rate History 2 changes since Oct 19, 2026 · 7.33% → 7.33% ▼ 0.00 pts · high 7.35% / low 7.33% Oct 30, 20267.33%▼ from 7.35% Oct 26, 20267.35%▲ from 7.33% Oct 19, 20267.33%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed - 1% Down Program	7.25%	-	7.391%
Details Effective: 10/29/2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Adjustable Rate Mortgage (ARM) - 5/1 ARM	6.25%	-	7.443%
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.48% → 7.44% ▼ 0.04 pts · high 7.48% / low 7.44% Oct 30, 20267.44%▼ from 7.48% Oct 19, 20267.48%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Blaze Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - 5yr. CLTV up to 80%	-	-	6.00%	60 months
Details Primary Residence; Second Lien Position; CLTV up to 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 7yr. CLTV up to 80%	-	-	6.25%	84 months
Details Primary Residence; Second Lien Position; CLTV up to 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 10yr. CLTV up to 80%	-	-	6.50%	120 months
Details Primary Residence; Second Lien Position; CLTV up to 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 15yr. CLTV up to 80%	-	-	6.75%	180 months
Details Primary Residence; Second Lien Position; CLTV up to 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 5yr. CLTV up to 75%	-	-	6.75%	60 months
Details Rates Effective: 10/29/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 5yr. CLTV up to 90%	-	-	7.00%	60 months
Details Primary Residence; Second Lien Position; CLTV up to 90% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 7yr. CLTV up to 75%	-	-	7.00%	84 months
Details Rates Effective: 10/29/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 10yr. CLTV up to 75%	-	-	7.25%	120 months
Details Rates Effective: 10/29/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 20yr. CLTV up to 80%	-	-	7.25%	240 months
Details Primary Residence; Second Lien Position; CLTV up to 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 7yr. CLTV up to 90%	-	-	7.25%	84 months
Details Primary Residence; Second Lien Position; CLTV up to 90% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 10yr. CLTV up to 90%	-	-	7.50%	120 months
Details Primary Residence; Second Lien Position; CLTV up to 90% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 15yr. CLTV up to 75%	-	-	7.50%	180 months
Details Rates Effective: 10/29/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 15yr. CLTV up to 90%	-	-	7.75%	180 months
Details Primary Residence; Second Lien Position; CLTV up to 90% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 20yr. CLTV up to 90%	-	-	8.25%	240 months
Details Primary Residence; Second Lien Position; CLTV up to 90% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 5yr. CLTV up to 100%	-	-	8.25%	60 months
Details Primary Residence; Second Lien Position; CLTV up to 100% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 7yr. CLTV up to 100%	-	-	8.50%	84 months
Details Primary Residence; Second Lien Position; CLTV up to 100% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Blaze Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle 2025 & Newer+ Loan	-	-	4.49%	36 months
Details Vehicle loan; rate table with monthly payment column Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Used Vehicle (2014-2025)+ Loan	-	-	4.49%	36 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New Vehicle 2025 & Newer Loan	-	-	5.00%	48 months
Details Vehicle loan; rate table with monthly payment column Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New Vehicle 2025 & Newer Loan	-	-	5.20%	60 months
Details Vehicle loan; rate table with monthly payment column Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Used Vehicle (2022-2025) Loan	-	-	5.30%	48 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.30% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New Vehicle 2025 & Newer Loan	-	-	5.35%	72 months
Details Vehicle loan; rate table with monthly payment column Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.35% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Used Vehicle (2022-2025) Loan	-	-	5.50%	60 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New Vehicle 2025 & Newer Loan	-	-	5.70%	84 months
Details Vehicle loan; rate table with monthly payment column Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.70% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Used Vehicle (2022-2025) Loan	-	-	5.70%	72 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.70% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Used Vehicle (2022-2025) Loan	-	-	6.05%	84 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.05% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Used Vehicle (2014-2021) Loan	-	-	6.30%	48 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.30% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Used Vehicle (2014-2021) Loan	-	-	6.80%	60 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.80% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Used Vehicle (2014-2021) Loan	-	-	6.95%	72 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Blaze Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat 2014-2024 Loan	-	5.75%	60 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2025-2026 Loan	-	5.75%	60 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2014-2024 Loan	-	6.00%	72 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2025-2026 Loan	-	6.00%	72 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2014-2024 Loan	-	6.25%	60 months
Details Model year 2014-2024 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2025-2026 Loan	-	6.25%	60 months
Details Model year 2025-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2025-2026 Loan	-	6.25%	60 months
Details Model Year: 2025-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2014-2024 Loan	-	6.50%	84 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2025-2026 Loan	-	6.50%	84 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2014-2024 Loan	-	6.50%	72 months
Details Model year 2014-2024 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2025-2026 Loan	-	6.50%	72 months
Details Model year 2025-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2025-2026 Loan	-	6.50%	72 months
Details Model Year: 2025-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2014-2024 Loan	-	6.75%	60 months
Details Model Year: 2014-2024 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2025-2026 Loan	-	6.75%	84 months
Details Model Year: 2025-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2014-2024 min Loan	-	7.00%	84 months
Details $20k; Model year 2014-2024; $20k minimum loan Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2025-2026 min Loan	-	7.00%	84 months
Details $20k; Model year 2025-2026; $20k minimum loan Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2014-2024 Min Loan	-	7.25%	120 months
Details $25k; Minimum loan $25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2025-2026 min Loan	-	7.25%	120 months
Details $25k; Minimum loan $25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2014-2024 Loan	-	7.25%	84 months
Details Model Year: 2014-2024 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2025-2026 min Loan	-	7.50%	120 months
Details $25k; Model Year: 2025-2026; $25k minimum Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Blaze Credit Union Credit Card Rates

Product	Rate	APR
Blaze Visa Signature Credit Card	-	0.00%
Details Term: Intro rate expires: 12 months (purchases); Introductory APR on purchases made within 12 months from account opening; 2.99% APR on balance transfers made within 90 days for 12 billing cycles; Balance Transfer Fee $0.00; Regular APR: 13.15% - 17.99%; Penalty APR: Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Blaze Visa Platinum Credit Card	-	12.65%
Details Published APR range: 12.65-17.99%. APR range as printed; Penalty APR:; Minimum Interest Charge: Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Oct 26, 202612.65%▲ from 12.40% Sep 14, 202612.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Blaze Visa Platinum Rewards Credit Card	-	16.65%
Details Published APR range: 16.65-17.99%. APR range as printed; Penalty APR:; Minimum Interest Charge: Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 16.40% → 16.65% ▲ 0.25 pts · high 16.65% / low 16.40% Oct 26, 202616.65%▲ from 16.40% Sep 14, 202616.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Blaze Visa Signature Credit Card	-	16.65%
Details Published APR range: 16.65-17.99%. APR range as printed; Penalty APR:; Minimum Interest Charge:; Intro offers on new Blaze Signature accounts per footnote: 0.00% APR on purchases within 12 months from account opening; 2.99% APR on balance transfers within 90 days for 12 billing cycles Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 16.40% → 16.65% ▲ 0.25 pts · high 16.65% / low 16.40% Oct 26, 202616.65%▲ from 16.40% Sep 14, 202616.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Blaze Credit Union Personal Loan Rates

Product	APR	Term
Blaze Visa Signature Credit Card	0.00%
Details Term: Intro rate expires: 12 months (purchases); Introductory APR on purchases made within 12 months from account opening; 2.99% APR on balance transfers made within 90 days for 12 billing cycles; Balance Transfer Fee $0.00; Regular APR: 13.15% - 17.99%; Penalty APR: Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Personal Installment Loans - Home Improvement Installment Loan and Greater	8.75%	Up to 72 months
Details $10,000; As Low As; Rates effective 6/9/2025 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Personal Installment Loans - Installment Loans and Greater	9.99%	Up to 72 months
Details $10,000; As Low As; Rate shown for 36 month term; Rates effective 6/9/2025 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Personal Installment Loans - Installment Loans to $10,000	9.99%	Up to 60 months
Details $5,000; As Low As; Rate shown for 36 month term; Rates effective 6/9/2025 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Personal Installment Loans - Installment Loans	10.75%	Up to 48 months
Details Under $5,000; As Low As; Rate shown for 36 month term; Rates effective 6/9/2025 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Blaze Visa Signature Credit Card	16.65%
Details Published APR range: 16.65-17.99%. APR range as printed; Penalty APR:; Minimum Interest Charge:; Intro offers on new Blaze Signature accounts per footnote: 0.00% APR on purchases within 12 months from account opening; 2.99% APR on balance transfers within 90 days for 12 billing cycles Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 16.40% → 16.65% ▲ 0.25 pts · high 16.65% / low 16.40% Oct 26, 202616.65%▲ from 16.40% Sep 14, 202616.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Blaze Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30 Year Fixed - Second Home	7.25%	-	7.391%
Details Effective: 10/29/2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Government Loans - 30 Year Federal Housing Administration (FHA)	7.125%	-	8.248%	30 years
Details Government Loans Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Government Loans - Veterans Administration (VA)	7.125%	-	7.432%
Details Government Loans Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.43% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Land Loan - 15 Year	7.875%	-	8.109%
Details Effective: 10/29/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 8.36% → 8.11% ▼ 0.25 pts · high 8.36% / low 8.11% Oct 30, 20268.11%▼ from 8.36% Oct 14, 20268.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Line of Credit	-	-	18.00%
Details Rates Effective: 1/1/2024; Monthly Term: N/A Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports 2014-2024 Loan	-	-	6.25%	36 months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports 2014-2024 Loan	-	-	6.75%	60 months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports 2014-2024 Loan	-	-	7.25%	72 months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports 2025-2026 Loan	-	-	6.25%	36 months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports 2025-2026 Loan	-	-	6.75%	60 months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports 2025-2026 Loan	-	-	7.25%	72 months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports 2025-2026 min Loan	-	-	7.75%	84 months
Details $25k; $25k minimum loan amount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Blaze Credit Union’s Texas Ratio rose from 3.22% in Q3 2023 to 6.19% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.8B	6.19%	5.0	A
March 31, 2026	$4.8B	2.92%	5.0	A+
December 31, 2025	$4.6B	3.59%	5.0	A+
September 30, 2025	$4.5B	3.50%	5.0	A+
June 30, 2025	$4.5B	4.06%	5.0	A+
March 31, 2025	$4.4B	4.43%	5.0	A+
December 31, 2024	$4.3B	6.86%	5.0	A
September 30, 2024	$4.5B	4.64%	5.0	A+
June 30, 2024	$4.2B	4.08%	5.0	A+
March 31, 2024	$4.2B	3.95%	5.0	A+
December 31, 2023	$2.2B	4.74%	5.0	A+
September 30, 2023	$2.3B	3.22%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Blaze Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Blaze Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Blaze Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Blaze Credit Union

Website https://blazecu.com/

Address 2025 Larpenteur Ave W, Falcon Heights, MN 55113

Phone 651-215-3500

Fax

President Tom Heinzen

CEO Dan Stoltz

Full-Time Employees 599

Part-Time Employees 26

Branch Locations 29

ATM Locations 25

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.19%

Return on Assets (ROA)

0.4195%

Return on Equity (ROE)

4.7902%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

4,847,116,515

Total Amount of Shares and Deposits

4,060,246,409

Total Shares and Deposits < 1 Year

3,873,155,653

Total Shares and Deposits 1 3 Years

116,756,881

Total Shares and Deposits > 3 Years

70,333,874

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

315,377,527

Total Uninsured Shares and Deposits > $250K (F+J)

315,377,527

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,744,868,882

Total Interest Expense (Sum of items 6 8)

43,577,464

Share Certificates

31,469

Number of Accounts for Share Drafts

168,902

IRA KEOGH Accounts

10,256

Number of Accounts for Regular Shares

320,416

All other shares

11,742

Non Member Deposits

126

Money Market Shares

17,064

Net Income (unless the amount is already included in Undivided Earnings)

20,332,106

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

343,491,595

Total Liabilities

4,492,366,897

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Blaze Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Blaze Credit Union

What is the lowest 30 year fixed mortgage rate at Blaze Credit Union?

The lowest Blaze Credit Union 30 year fixed mortgage rate is its 30 Year Fixed at 7.125%, verified by MonitorBankRates as of October 30, 2026. Blaze Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.625% for a 15 year mortgage, 6.25% for a 5/1 ARM, 6.50% for a 7/1 ARM and 6.75% for a 10/1 ARM.

What is the lowest auto loan rate at Blaze Credit Union?

The lowest Blaze Credit Union auto loan rate is its New Vehicle 2025 & Newer+ Loan at 4.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Blaze Credit Union?

The lowest Blaze Credit Union personal loan rate is its Personal Installment Loans - Home Improvement Installment Loan and Greater at 8.75% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Blaze Credit Union?

The lowest Blaze Credit Union credit card APR is its Blaze Visa Platinum Credit Card at 12.65% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Blaze Credit Union operate?

Blaze Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Blaze Credit Union?

Yes, to access services at Blaze Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Blaze Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blaze Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Blaze Credit Union offer online and mobile banking?

Most modern institutions like Blaze Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://blazecu.com/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Blaze Credit Union rates compare?

Blaze Credit Union's mortgage rates are 1% lower than the MonitorBankRates national average, and it has an A health rating. Blaze Credit Union's top rates are its 5/1 ARM Refi - Max Closing Costs at 6.25% and its Personal Installment Loans - Home Improvement Installment Loan and Greater at 8.75% APR, verified by MonitorBankRates on October 30, 2026.

Compare to Other Credit Unions

Blaze Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Blaze Credit Union Texas Ratio

Blaze Credit Union Health Trend

Blaze Credit Union Mortgage Rates

Blaze Credit Union Home Equity & HELOC

Blaze Credit Union Auto Loan Rates

Blaze Credit Union RV, Boat and Powersport Loan Rates

Blaze Credit Union Credit Card Rates

Blaze Credit Union Personal Loan Rates

Blaze Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Blaze Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Blaze Credit Union

What is the lowest 30 year fixed mortgage rate at Blaze Credit Union?

What is the lowest auto loan rate at Blaze Credit Union?

What is the lowest personal loan rate at Blaze Credit Union?

What is the lowest credit card APR at Blaze Credit Union?

How many branches does Blaze Credit Union operate?

Is a member application needed to join Blaze Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Blaze Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Blaze Credit Union rates compare?

Compare to Other Credit Unions