BluPeak Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, BluPeak Credit Union's highest tracked CD (share certificate) rate is 3.50% APY on a 6-month CD ($500 minimum). That is 2.5 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 2.00% to 3.50% APY.
Tracking began .
BluPeak Credit Union CD & share certificate rates
Membership required. Share certificates with $500 and $1,000 minimum balances. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | BluRipple Term Certificate | $500 | 3.50% | −0.90% | Top 48% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | BluRipple Term Certificate | $500 | 2.75% | −1.82% | Top 76% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | BluRipple Term Certificate | $500 | 2.00% | −2.72% | Top 84% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | BluRipple Term Certificate | $500 | 2.00% | −2.87% | Top 82% of tracked 24-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are BluPeak Credit Union's best CD rates by term?
BluPeak Credit Union's best rate is 3.50% APY on 6 months, verified October 22, 2026.
- 6 mo3.50%
- 12 mo2.75%
- 18 mo2.00%
- 24 mo2.00%
How much interest could a BluPeak Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$173.97 interest · $10,173.97 at maturity on $10,000.00.
3.50% APY · 6 months · BluRipple Term Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $86.993.50% APY · BluRipple Term Certificate · Standard | $173.973.50% APY · BluRipple Term Certificate · Standard | $434.943.50% APY · BluRipple Term Certificate · Standard | $869.873.50% APY · BluRipple Term Certificate · Standard |
| 12 months | $137.502.75% APY · BluRipple Term Certificate · Standard | $275.002.75% APY · BluRipple Term Certificate · Standard | $687.502.75% APY · BluRipple Term Certificate · Standard | $1,375.002.75% APY · BluRipple Term Certificate · Standard |
| 18 months | $150.892.00% APY · BluRipple Term Certificate · Standard | $301.772.00% APY · BluRipple Term Certificate · Standard | $754.442.00% APY · BluRipple Term Certificate · Standard | $1,508.872.00% APY · BluRipple Term Certificate · Standard |
| 24 months | $202.002.00% APY · BluRipple Term Certificate · Standard | $404.002.00% APY · BluRipple Term Certificate · Standard | $1,010.002.00% APY · BluRipple Term Certificate · Standard | $2,020.002.00% APY · BluRipple Term Certificate · Standard |
How BluPeak Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 164 of 341 tracked institutions with fresh 183-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| BluPeak Credit Union (this institution)BluRipple Term Certificate · Standard | 6 months | $500 | Membership required · branches in CA | 3.50% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Happen BankCD · Standard | 6 months | $500 | Branches in CA, UT | 4.40% | October 22, 2026 |
| Popular DirectCD · Standard | 6 months | $10,000 | Available nationwide | 4.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking BluPeak Credit Union on October 22, 2026.
About BluPeak Credit Union
- Legal name
- Blupeak Credit Union
- Regulator ID
- NCUA 60801
- Headquarters
- San Diego, CA
- Available in
- CA
- Total assets
- $1.1 billion
- Also known as
- Website
- www.blupeak.com
Source: rates read from https://www.blupeak.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at BluPeak Credit Union?
Among the rates we track, 3.50% APY on a 6-month CD, as of October 22, 2026.
What is the minimum deposit for a BluPeak Credit Union CD?
The lowest minimum we found is $500.
How does BluPeak Credit Union's best CD rate compare with Treasury yields?
3.50% APY is −0.90% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.50% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are BluPeak Credit Union CDs insured?
BluPeak Credit Union is a federally insured credit union (NCUA 60801). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at BluPeak Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check BluPeak Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from BluPeak Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with BluPeak Credit Union before opening an account. This page is not financial advice.