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Blaze Credit Union

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Blaze Credit Union Rates & Review October 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 13, 2026

Blaze Credit Union's top rates as of October 13, 2026 are 6.62% on its Adjustable Rate Mortgage (ARM)Rates Effective: 10/9/2026 - 5/1 ARM, personal loans from 16.40% APR, and credit cards from 12.40% APR, according to rates verified by MonitorBankRates. Other Blaze Credit Union mortgage rates include Home Mortgage RefinanceRates Effective: 10/9/2026 - 5/1 ARM Refi - Max Closing Costs at 6.62%, Home Mortgage RefinanceRates Effective: 10/9/2026 - 7/1 ARM Refi - Max Closing Costs at 6.88%, and Adjustable Rate Mortgage (ARM)Rates Effective: 10/9/2026 - 7/1 ARM at 6.88%. 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 10/13/2026.

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 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

6.19%

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
Adjustable Rate Mortgage (ARM)Rates Effective: 10/9/2026 - 5/1 ARM	6.625%	-	6.103%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.10% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Mortgage RefinanceRates Effective: 10/9/2026 - 5/1 ARM Refi - Max Closing Costs	6.625%	-	6.103%
Details $1,500+; Max $1,500+ Closing Costs Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.10% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Mortgage RefinanceRates Effective: 10/9/2026 - 7/1 ARM Refi - Max Closing Costs	6.875%	-	6.209%
Details $1,500+; Max $1,500+ Closing Costs Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.21% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Adjustable Rate Mortgage (ARM)Rates Effective: 10/9/2026 - 7/1 ARM	6.875%	-	6.334%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.33% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Adjustable Rate Mortgage (ARM)Rates Effective: 10/9/2026 - 10/1 ARM	7.125%	-	6.551%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Mortgage RefinanceRates Effective: 10/9/2026 - 10/1 ARM Jumbo Refi	7.25%	-	6.573%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.57% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
15 Year Fixed Refi - Max Closing Costs	6.875%	-	6.914%
Details $1,500+; Max $1,500+ Closing Costs Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.29% → 6.91% ▲ 0.63 pts · high 7.04% / low 6.29% Oct 10, 20266.91%▼ from 7.04% Oct 2, 20267.04%▲ from 6.91% Oct 1, 20266.91%▲ from 6.54% Sep 18, 20266.54%▲ from 6.29% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
15 Year Fixed Jumbo Refi	7.00%	-	7.034%
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.53% → 7.03% ▲ 0.50 pts · high 7.22% / low 6.53% Oct 10, 20267.03%▼ from 7.22% Oct 2, 20267.22%▲ from 7.03% Oct 1, 20267.03%▲ from 6.63% Sep 18, 20266.63%▲ from 6.53% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
15 Year Fixed	6.875%	-	7.097%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.10% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Mortgage RefinanceRates Effective: 10/9/2026 - 10/1 ARM Refi - Max Closing Costs	7.125%	-	7.165%
Details $1,500+; Max $1,500+ Closing Costs Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.17% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Adjustable Rate Mortgage (ARM)Rates Effective: 10/9/2026 - 10/1 ARM Jumbo	7.25%	-	7.285%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
20 Year Fixed	7.25%	-	7.455%	20 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.46% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed	7.50%	-	7.661%	30 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.66% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed Jumbo	7.625%	-	7.685%	30 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed Refi Jumbo	7.625%	-	7.685%
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.05% → 7.69% ▲ 0.64 pts · high 7.81% / low 7.05% Oct 10, 20267.69%▼ from 7.81% Oct 2, 20267.81%▲ from 7.69% Oct 1, 20267.69%▲ from 7.17% Sep 18, 20267.17%▲ from 7.05% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed - 1% Down Program	7.625%	-	7.788%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 6 changes since Sep 14, 2026 · 7.14% → 7.79% ▲ 0.65 pts · high 7.81% / low 7.14% Oct 10, 20267.79%▼ from 7.81% Oct 2, 20267.81%▲ from 7.79% Oct 1, 20267.79%▲ from 7.64% Sep 27, 20267.64%▲ from 7.39% 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%	-	6.00%	60 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 7yr. CLTV up to 80%	6.25%	-	6.25%	84 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 10yr. CLTV up to 80%	6.50%	-	6.50%	120 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 15yr. CLTV up to 80%	6.75%	-	6.75%	180 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 5yr. CLTV up to 90%	7.00%	-	7.00%	60 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 7 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 7 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 20yr. CLTV up to 80%	7.25%	-	7.25%	240 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 7yr. CLTV up to 90%	7.25%	-	7.25%	84 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 10yr. CLTV up to 90%	7.50%	-	7.50%	120 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 15yr. CLTV up to 90%	7.75%	-	7.75%	180 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 20yr. CLTV up to 90%	8.25%	-	8.25%	240 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 5yr. CLTV up to 100%	8.25%	-	8.25%	60 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Equity - 7yr. CLTV up to 100%	8.50%	-	8.50%	84 months
Details Rates Effective: 10/9/2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New Vehicle 2025 & Newer Loan	-	-	5.00%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New Vehicle 2025 & Newer Loan	-	-	5.20%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 5.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New Vehicle 2025 & Newer Loan	-	-	5.35%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.35% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New Vehicle 2025 & Newer Loan	-	-	5.70%	84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.70% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 5.70% APR · checked 2 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.05% APR · checked 2 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.30% APR · checked 2 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.80% APR · checked 2 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 2 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 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2014-2024 Loan	-	6.25%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2025-2026 Loan	-	6.25%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2025-2026 Loan	-	6.25%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2014-2024 Loan	-	6.50%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2025-2026 Loan	-	6.50%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2025-2026 Loan	-	6.50%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2014-2024 Loan	-	6.75%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2025-2026 Loan	-	6.75%	84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2014-2024 k min Loan	-	7.00%	84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycle 2025-2026 k min Loan	-	7.00%	84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2014-2024 k Min Loan	-	7.25%	120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boat 2025-2026 k min Loan	-	7.25%	120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicle 2025-2026 k min Loan	-	7.50%	120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Boats Loan	-	13.15%
Details All loan rates disclosed reflect a 0.25% discount for automatic payment. Monthly payments based on $10,000 borrowed. Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time. See a staff member for details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.15% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Motorcycles Loan	-	13.15%
Details All loan rates disclosed reflect a 0.25% discount for automatic payment. Monthly payments based on $10,000 borrowed. Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time. See a staff member for details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.15% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Recreational Vehicles Loan	-	13.15%
Details All loan rates disclosed reflect a 0.25% discount for automatic payment. Monthly payments based on $10,000 borrowed. Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time. See a staff member for details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.15% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Blaze Credit Union Credit Card Rates

Product	Rate	APR
Blaze Visa Platinum Credit Card	-	12.40%
Details Published APR range: 12.40-17.99%. Penalty APR and When It Applies: .; Minimum Interest Charge: . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Blaze Visa Credit Card	-	13.15%
Details Published APR range: 13.15% - 17.99%. Introductory Offers on new Blaze Signature accounts. 0.00% APR on purchases made within 12 months from date of account opening. 2.99% APR on any balance transfer made within 90 days from date of account opening for a period of 12 billing cycles. Balance Transfer Fee is $0.00. After the introductory period, based on your creditworthiness, your APR will be 13.15% - 17.99% APR (rates effective 1.1.2026). This APR will vary with the market based on the Prime Rate. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Blaze Visa Platinum Rewards Credit Card	-	16.40%
Details Published APR range: 16.40-17.99%. Penalty APR and When It Applies: .; Minimum Interest Charge: . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Blaze Visa Signature Credit Card	-	16.40%
Details Published APR range: 16.40-17.99%. Penalty APR and When It Applies: .; Minimum Interest Charge: . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Blaze Credit Union Personal Loan Rates

Product	APR	Term	View More
Blaze Visa Signature Credit Card	16.40%
Details Published APR range: 16.40-17.99%. Penalty APR and When It Applies: .; Minimum Interest Charge: . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.40% APR · checked 5 times 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 Federal Housing Administration (FHA) Loan	7.25%	-	8.375%	30 years
Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 7.74% → 8.38% ▲ 0.63 pts · high 8.38% / low 7.74% Oct 1, 20268.38%▲ from 8.12% Sep 27, 20268.12%▲ from 7.99% Sep 22, 20267.99%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Fixed - Second Home	7.625%	-	7.788%	30 Year
Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 7.14% → 7.79% ▲ 0.65 pts · high 7.79% / low 7.14% Oct 2, 20267.79%▲ from 7.66% Sep 27, 20267.66%▲ from 7.26% Sep 18, 20267.26%▲ from 7.14% Sep 14, 20267.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Home Improvement Installment Loan and Greater	-	-	8.75%	Up to 72 months
Details $10,000; As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Installment Loans	-	-	10.75%	36 month
Details Under $5,000; As low as; Terms available up to 60 months Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Installment Loans and Greater	-	-	9.99%	36 months
Details $10,000; As low as; Terms available up to 72 months Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Installment Loans to $10,000	-	-	9.99%	36 month
Details $5,000; As low as; Terms available up to 60 months Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Land Loan - 15 Year	8.125%	-	8.362%	Land Loan - 15 Year
Last Updated 10/10/2026 Rate History 4 changes since Sep 18, 2026 · 7.98% → 8.36% ▲ 0.38 pts · high 8.49% / low 7.98% Oct 10, 20268.36%▼ from 8.49% Oct 2, 20268.49%▲ from 8.36% Oct 1, 20268.36%▲ from 8.17% Sep 27, 20268.17%▲ from 7.98% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Line of Credit	-	-	18.00%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports 2025-2026 k min Loan	-	-	7.75%	84 months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Power Sports Loan	-	-	13.15%
Details All loan rates disclosed reflect a 0.25% discount for automatic payment. Monthly payments based on $10,000 borrowed. Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time. See a staff member for details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.15% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Veterans Administration (VA) Loan	7.25%	-	7.559%	30 years
Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.92% → 7.56% ▲ 0.63 pts · high 7.56% / low 6.92% Oct 1, 20267.56%▲ from 7.31% Sep 27, 20267.31%▲ from 6.92% Sep 18, 20266.92%first recorded 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

Q2 2026 MBR Health & Safety Badge

Blaze 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.

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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/spire-credit-union-rates-review-68651">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Blaze Credit Union

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/.