Youth Services

Spectrum Credit Union (Spectrum) offers a number of programs and services focused on young people.

Up to One Year Old

Spectrum Newborns

Spectrum will make the first $25.00 deposit to open a new membership account — either regular membership or UTMA account (Uniform Transfer to Minor Account) — for the newborn child. (For the purposes of this offer, Spectrum considers a newborn to be 365 days old or less.) Click here for details.

Age 12 and Under

Looney Tunes Kids Club

The Looney Tunes Savings Club is designed especially for our young members ages 12 and under. It is just like a savings account, but is designed to help young savers learn how to save and manage money. It's never too soon to prepare financially for the future. Click here for details.

Age 18 and Under

Your Money Matters

Be the most money-savvy teen in your school! Click here to view our Youth Newsletter and learn more about the basics of credit, interest, the difference between a credit union and a bank, and other monty matters.

Age 21 and Under

MySavings^SM

The MySavings account offers a 7.00% Annual Percentage Yield (APY)* on balances of $1,000 or less. (This is not a one-time special or a limited offering.) Click here for more information on this great product.

*APY subject to change without notice.

High School Seniors

David P. Smay Scholarship

Each spring, Spectrum awards scholarships of $1,000 to members entering their first year of college. Click here for more application information.

College Students

Private Student Loan Program

Spectrum (a division of Chevron Federal Credit Union) has partnered with Credit Union Student Choice to offer a private student loan program that helps students and their families fill the gap between the rising costs of college and limited availability of federal aid. Click here to learn more.

Easy Parent-to-Student Money Transfers

Use Spectrum’s convenient Person-to-Person Transfer service to get funds to your college student.

Transfers between Spectrum accounts post immediately, while transfers to accounts outside of Spectrum usually credit within three to five business days.

To get started, log in to your PC Access Online Banking account and click on Transfer to Another Member or Transfer to/from Non-Spectrum Accounts.
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