Check out our Amped Savings and CD Specials
best CD rates
With Add-On Flexibility
9 Month
CD Special
with bump option!
4.00%
APY* up to $250K
15 Month
CD Special
with bump option!
4.70%
APY* up to $250K
24 Month
Trailblazer
Youth CD
2.12%
APY* up to $5K
48 Month
Trailblazer
Youth CD
3.28%
APY* up to $5K
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Join Ignite
Igniting new possibilities
with a spark of financial freedom
with a spark of financial freedom
savings faq
Amped Checking
- Be enrolled in eStatements
- Have a valid email address on file
- Be enrolled in Online Banking and log in at least once a month
- Swipe your eligible Debit or Credit Card at least 15 times a month
- Have at least $500 direct deposited into the account each month
Amped Savings
- Maintain an Amped Checking account
- Have an eligible loan or credit card
- Personal Loan
- Auto Loan
- Visa Credit Card
- Home Equity Loan
- Mortgage
- Credit Builder Loan
- Share Secured Loan
- Certificate Pledge Loan
Disclosures:
*APY = Annual Percentage Yield. Amped Checking: 5.00% APY applies to balances up to $10,000 when monthly qualification requirements are met. Balances above $10,000 earn 0.01%–5.00% APY. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings. Rates are variable and may change after account opening.
**Amped Savings: Balances up to $25,000 receive 5.00% APY; balances above $25,000.01 receive 0.01%–5.00% APY. To earn the advertised rate, members must maintain an active Amped Checking account, meet all monthly qualification requirements, and have an eligible loan in good standing with the Credit Union. Eligible loans include personal loans, auto loans, VISA credit cards, home equity loans, mortgages, and other qualifying loans. If the member no longer has an active loan, they have 30 days to open a new qualifying loan, or the Amped Savings account will be closed and funds transferred to a Regular Share account. If Amped Checking qualifications are not met, the dividend rate will be 0.01% APY. Fees may reduce earnings. Rates are accurate as of the last dividend declaration date and may change after account opening.
***ATM fee rebate: If you use your Amped Checking debit card at an ATM not owned by any of our Ignite Credit Union brands, you are eligible for a rebate of the surcharge you are charged, up to $20 per month. Rebates are applied at the end of the month, not as the transactions occur. On the last day of the month, we will total up the ATM surcharges you were charged over the month and rebate the total (up to $20.00). The rebate transaction will appear on your statement and/or in your Account History when you log into your Online Banking. Members not meeting the dividend requirements will not earn foreign ATM surcharge fee refunds.
Fill out the form below to add an Amped Savings Account!
Eligible loans include: Personal Loan, Auto Loan, VISA Credit Card, Home Equity Loan, Mortgage, Credit Builder Loan and Share or Certificate Pledge Loan.
- Personal Loan
- Auto Loan
- Visa Credit Card
- Home Equity Loan
- Mortgage
- Credit Builder Loan
- Share Secured Loan
- Certificate Pledge Loan
Keep building your savings by adding to your CD.
Open a CD in Online Banking or the Mobile App and grow your savings at your own pace. Add funds whenever you choose, with no minimum or maximum deposit restrictions.
APP Instructions:
- Go to Accounts Menu
- Select + Sign (top right corner above Full Account Summary)
- Click on New Certificate Account
- Select Term
- Click Purchase Online
Online Banking Instructions:
- Go to New Accounts (top menu bar)
- Select Open a New Certificate
- Select Term
- Click Purchase Online
Ignite Credit Union members with an open 9-month or 15-month CD Special can increase their rate one time during the term if the advertised rate for that same CD Special increases.
The rate bump only applies to Ignite Credit Union’s rates for the same CD Specials.
Members can bump the rate of their current CD Special by contacting a Member Service Representative or by using the contact us form below.
| Savings Accounts | Dividend Rate | APY* | Min. Balance To Earn |
|---|---|---|---|
| Regular Savings** | 0.10% | 0.10% | $5.00 |
| Special Savings | 0.10% | 0.10% | $5.00 |
| Amped Savings | 4.89% | 5.00% | $0.01 |
| Trailblazers Youth Banking*** | 2.10% | 2.12% | $5.00 |
| Club Accounts | 0.10% | 0.10% | $5.00 |
| IRA Savings | 0.50% | 0.50% | $5.00 |
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
Effective Date: November 4, 2026
| Certificate Specials | APY* | Min. Deposit |
|---|---|---|
| 9 Month Bump Certificate | 4.00% | $50 |
| 15 Month Bump Certificate | 4.70% | $50 |
*APY = Annual Percentage Yield. Fees can reduce earnings.
Certificates (CDs): A minimum deposit of $50 is required to open the 9-month promotional CD and obtain the advertised 4.00% APY. A minimum deposit of $50 is required to open the 15-month promotional CD and obtain the advertised 4.70% APY. A penalty may be imposed for early withdrawal. Dividends are compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump is permitted during the CD term. If Ignite Credit Union increases the advertised rate for the same CD Special you currently hold, you may request a one-time increase to the new advertised rate. The rate bump applies only to Ignite Credit Union’s advertised rate for the same CD Special and does not extend or otherwise change the original CD term or maturity date. Limited-time offer. Federally insured by the NCUA. Call 888.860.6928 for more information.
Certificates (CDs): APY is accurate and is guaranteed for the term of the account. Minimum balance of $50, with a maximum insured deposit of $250,000. Subject to early withdrawal penalty. Dividends will be paid directly to the certificate on a monthly basis. Upon maturity, the certificate will be deposited into the Savings Account. Rates, terms, and features are subject to change without prior notification. Federally insured by NCUA.
Certificates (CDs): A minimum deposit of $50 is required to open the 9-month promotional CD and obtain the advertised 4.00% APY. A minimum deposit of $50 is required to open the 15-month promotional CD and obtain the advertised 4.70% APY. A penalty may be imposed for early withdrawal. Dividends are compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump is permitted during the CD term. If Ignite Credit Union increases the advertised rate for the same CD Special you currently hold, you may request a one-time increase to the new advertised rate. The rate bump applies only to Ignite Credit Union’s advertised rate for the same CD Special and does not extend or otherwise change the original CD term or maturity date. Limited-time offer. Federally insured by the NCUA. Call 888.860.6928 for more information.
Certificates (CDs): APY is accurate and is guaranteed for the term of the account. Minimum balance of $50, with a maximum insured deposit of $250,000. Subject to early withdrawal penalty. Dividends will be paid directly to the certificate on a monthly basis. Upon maturity, the certificate will be deposited into the Savings Account. Rates, terms, and features are subject to change without prior notification. Federally insured by NCUA.
Effective Date: November 4, 2026
| Certificate Term | APY* | Min. Deposit |
|---|---|---|
| 3 Month Certificate | 1.10% | $50 |
| 6 Month Certificate | 1.51% | $50 |
| 12 Month Certificate | 2.17% | $50 |
| 18 Month Certificate | 2.17% | $50 |
| 24 Month Certificate | 2.12% | $50 |
| 36 Month Certificate | 2.33% | $50 |
| 48 Month Certificate | 2.53% | $50 |
| 60 Month Certificate | 2.73% | $50 |
*APY = Annual Percentage Yield. Fees can reduce earnings.
Certificates (CDs): APY is accurate and is guaranteed for the term of the account. Minimum balance of $50, with a maximum insured deposit of $250,000. Subject to early withdrawal penalty. Dividends will be paid directly to the certificate on a monthly basis. Upon maturity, the certificate will be deposited into the Savings Account. Rates, terms, and features are subject to change without prior notification. Federally insured by NCUA.
Certificates (CDs): APY is accurate and is guaranteed for the term of the account. Minimum balance of $50, with a maximum insured deposit of $250,000. Subject to early withdrawal penalty. Dividends will be paid directly to the certificate on a monthly basis. Upon maturity, the certificate will be deposited into the Savings Account. Rates, terms, and features are subject to change without prior notification. Federally insured by NCUA.
Effective Date: November 4, 2026
| 0.75% Rate Increase For Trailblazer Members*** | APY* | Min. Deposit |
|---|---|---|
| 12 Month Certificate | 2.17% | $50 |
| 24 Month Certificate | 2.12% | $50 |
| 48 Month Certificate | 3.28% | $50 |
*APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
Effective Date: November 4, 2026
Fill out this form to enroll in direct deposit!
Ignite Credit Union has partnered up with GreenPath to offer one-on-one financial counseling, debt management services, and financial education tools.
Through your Ignite membership you have free access to GreenPath’s financial experts to guide you through life’s financial challenges.
GreenPath offers personalized assistance with:
- Budgeting and money management
- Debt repayment
- Understanding your credit report and how to improve your score
- Avoiding bankruptcy, foreclosure, and repossession
Please visit our partner website at greenpath.com/partner/ignite or call 877.337.3399 to get connected today.
Great! I want to
Join Ignite
Igniting new possibilities
with a spark of financial freedom
with a spark of financial freedom
Your Ignite Credit Union savings accounts will grow over time based on how much you’re able to save each month, the interest rate that you earn and how long you keep your money in the account. This savings calculator illustrates how your savings will grow over time using interest compounding monthly.
Savings +/-
Calculate how your savings will grow using compound interest, compounded monthly. Adjust the amount you plan to contribute each month.
Net Worth Coach
You’ve heard the term net worth, but how does it apply to your financial standing. Calculate your Net Worth by your current assets minus your liabilities.
Inflation +/-
See how inflation can impact spending and saving in your personal life with this practical calculator. Enter your salary and savings and adjust the inputs.
Money Market
Money Market accounts typically offer higher interest rates than traditional savings accounts. Enter your balance and APY to see how your savings will grow.
CD +/-
Enter the deposit size and interest rate of a certificate of deposit into this calculator to see how much a CD can grow over its lifetime (usually 12 to 60 months).
Save With A Purpose
This Save With a Purpose Coach session will help you set concrete savings goals and show you how much you need to save every month to reach them.
Retirement Savings
Do you know how much you’ll need for retirement? This coach will help you set a savings goal based on your age, income, and tax filing status.