What are the current interest rates at BluPeak Credit Union?

Current rates for BluPeak Credit Union include: 12-Month CD: 2.75%, 18-Month CD: 0.50%, 24-Month CD: 0.75%, Savings: 0.75%

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BluPeak Credit Union

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BluPeak Credit Union Rates & Review October 2026

Q: How many branches does BluPeak Credit Union operate?

BluPeak 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 BluPeak Credit Union?

Yes, to access services at BluPeak 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, BluPeak 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, BluPeak 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 7, 2026

BluPeak Credit Union's top rates as of October 7, 2026 are 3.50% APY on its 6 Month BluRipple Term CD, 0.75% APY on savings, and auto loans from 5.30% APR, according to rates verified by MonitorBankRates. Other BluPeak Credit Union CD rates include 12 Month IRA Term CD at 3.00%, 12 Month BluRipple Term CD at 2.75%, and 18 Month BluRipple Term CD at 2.00%. MonitorBankRates evaluates the financial stability of BluPeak Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.86%. Rates last updated and verified on 10/07/2026.

BluPeak 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 BluPeak Credit Union? Share your experience about BluPeak Credit Union by leaving a review below, or read customer reviews before you decide to use BluPeak Credit Union.

Verified Healthy Q2 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

6.86%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

BluPeak Credit Union
BluPeak Credit Union Corporate Headquarters

10120 Pacific Heights Blvd Ste 100
San Diego, CA 92121-4205

https://www.blupeak.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.

BluPeak Credit Union CD Rates

Product	Rate	APY	Term
6 Month BluRipple Term Certificate	3.45%	3.50%	6 Month
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
12 Month IRA Term Certificate	2.97%	3.00%	12 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
12 Month BluRipple Term Certificate	2.72%	2.75%	12 Month
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
18 Month BluRipple Term Certificate	1.99%	2.00%	18 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
24 Month BluRipple Term Certificate	1.99%	2.00%	24 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
24 Month IRA Term Certificate	0.75%	0.75%	24 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
18 Month IRA Term Certificate	0.50%	0.50%	18 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%

BluPeak Credit Union Savings Rates

Product	Rate	APY
BluRipple Savings	0.75%	0.75%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
BluRipple Savings	0.65%	0.65%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000-$249999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
BluRipple Savings	0.55%	0.55%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000-$99999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
BluRipple Savings	0.45%	0.45%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000-$49999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
BluRipple Savings	0.35%	0.35%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000-$24999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
BluRipple Savings	0.10%	0.10%
Min Deposit $25 Min Balance $1,000 Details Balance: $1000.00-$9999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
BluRipple Savings	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.00-$999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%

BluPeak Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	8.50%
Details Variable APR with AutoPay; Max. Combined Loan-To-Value: Up to 70%; Minimum Line: $10,000; Maximum Line: $250,000; Prime Rate: 7.00%; Margin: 2.00%; Automatic payments from a BluPeak Checking Account are required for full loan term otherwise rate will increase by 0.50%. The rate is variable, subject to a minimum rate of 3.99% APR and maximum rate of 15.00% APR. A $10,000 initial advance may be required. You may be required to reimburse us for closing costs if your line is closed in the first three years. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.75% → 8.50% ▼ 0.25 pts · high 8.75% / low 8.50% Sep 18, 20268.50%▼ from 8.75%* Sep 15, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
Home Equity Line of Credit	-	-	9.00%
Details Variable APR without AutoPay; Max. Combined Loan-To-Value: Up to 70%; Minimum Line: $10,000; Maximum Line: $250,000; Prime Rate: 7.00%; Margin: 2.00%; The rate is variable, subject to a minimum rate of 3.99% APR and maximum rate of 15.00% APR. A $10,000 initial advance may be required. You may be required to reimburse us for closing costs if your line is closed in the first three years. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Sep 18, 20269.00%▲ from 8.75% Sep 15, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%

BluPeak Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Autos (Model Year 2020 and Newer) Loan	-	-	5.30%	Up to 60 months
Details Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 5.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
Autos (Model Year 2020 and Newer) Loan	-	-	5.50%	Up to 72 months
Details Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
Autos (Model Year 2020 and Newer) Loan	-	-	6.50%	Up to 84 months
Details Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%

BluPeak Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat Loan	-	9.24%	Up to 120 months
Details Published APR range: 9.24% to 13.24%. As Low As; Model Year: 2016 - 2019 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.99% → 9.24% ▲ 0.25 pts · high 9.24% / low 8.99% Oct 2, 20269.24%▲ from 8.99% Sep 15, 20268.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
New RV Loan	-	9.24%	Up to 120 months
Details Published APR range: 9.24% to 13.24%. As Low As; Model Year: 2016 - 2019 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.99% → 9.24% ▲ 0.25 pts · high 9.24% / low 8.99% Oct 2, 20269.24%▲ from 8.99% Sep 15, 20268.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
Used Boat Loan	-	10.24%	Up to 120 months
Details Published APR range: 10.24% to 14.24%. As Low As; Model Year: 2016 - 2019 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 9.99% → 10.24% ▲ 0.25 pts · high 10.24% / low 9.99% Oct 2, 202610.24%▲ from 9.99% Sep 15, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%
Used RV Loan	-	10.24%	Up to 120 months
Details Published APR range: 10.24% to 14.24%. As Low As; Model Year: 2016 - 2019 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 9.99% → 10.24% ▲ 0.25 pts · high 10.24% / low 9.99% Oct 2, 202610.24%▲ from 9.99% Sep 15, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%

BluPeak Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Choice Line of Credit	-	-	10.25%	No Term, use as need
Details Term: No Term, use as needed; Up to $75,000. Automatic payments from a BluPeak Checking Account are required for full loan term otherwise rate will increase by 0.25%. $75,000 max combined total unsecured loan limit/balances per member. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.86%

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

BluPeak Credit Union’s Texas Ratio rose from 1.51% in Q3 2023 to 6.86% 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	$1.1B	6.86%	5.0	A
March 31, 2026	$1.1B	2.03%	5.0	A+
December 31, 2025	$1.1B	2.06%	5.0	A+
September 30, 2025	$1.1B	1.62%	5.0	A+
June 30, 2025	$1.2B	1.93%	5.0	A+
March 31, 2025	$1.2B	13.87%	5.0	A
December 31, 2024	$1.2B	13.26%	5.0	A
September 30, 2024	$1.3B	1.00%	5.0	A+
June 30, 2024	$1.4B	0.80%	5.0	A+
March 31, 2024	$1.5B	1.23%	5.0	A+
December 31, 2023	$1.5B	1.45%	5.0	A+
September 30, 2023	$1.4B	1.51%	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 BluPeak 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 BluPeak 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 BluPeak Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BluPeak Credit Union

Website https://www.blupeak.com

Address 10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121-4205

Phone 858-795-6000

Fax 858-554-1291

President Matt Adams

CEO Todd Tharp

Full-Time Employees 106

Part-Time Employees 0

Branch Locations 6

ATM Locations 6

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

6.86%

Return on Assets (ROA)

0.0876%

Return on Equity (ROE)

0.9042%

Non-Performing Loans Ratio (NPL)

1.03%

Total Assets

1,093,206,594

Total Amount of Shares and Deposits

998,404,684

Total Shares and Deposits < 1 Year

981,371,138

Total Shares and Deposits 1 3 Years

12,373,140

Total Shares and Deposits > 3 Years

4,660,407

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

104,284,566

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

104,284,566

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

894,120,118

Total Interest Expense (Sum of items 6 8)

4,491,331

Share Certificates

3,847

Number of Accounts for Share Drafts

33,187

IRA KEOGH Accounts

1,384

Number of Accounts for Regular Shares

21,117

Money Market Shares

4,101

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)

55,665,241

Total Liabilities

1,006,887,429

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

BluPeak Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About BluPeak Credit Union

How many branches does BluPeak Credit Union operate?

BluPeak 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 BluPeak Credit Union?

Yes, to access services at BluPeak 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, BluPeak 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, BluPeak Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does BluPeak Credit Union offer online and mobile banking?

Most modern institutions like BluPeak 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://www.blupeak.com.