YBA Youth Bowling

Spectrum Credit Union is honored to be the official credit union partner of the Youth Bowling Association (YBA)! All U.S. members of YBA are eligible to join Spectrum.

We provide a wide range of financial services to more than 100,000 members around the world.

  • FREE Checking and Savings Accounts
  • Higher-Yield Money Market and Share Certificate (CD) Accounts
  • Low-Rate Home, Auto, and Personal Loans
  • FREE Online Banking and Mobile Banking, including Mobile Deposit of paper checks via your smartphone
  • Access to 85,000+ Surcharge-Free Network ATMs and 7,200+ CO-OP Shared Branches
  • MySavings Youth Account, paying 6.77% (7.00% APY) on the first $1,000

How to Get a $50 Joining Bonus1

Join in a branch or online and mention or enter the appropriate promo codes.


Get $25 when you join and sign up for:

  • Checking
  • Savings
  • Debit Card

Get an additional $25 when you sign up within 30 days of joining for:

  • PC Access Online Banking
  • eStatements through PC Access
  • Mobile Banking

How to Get a $25 Referral Award2

Once you are a member of Spectrum, you can refer family members, fellow YBA members, or other eligible members and receive a referral award.

Download the Referral Form

Complete the referral form and have your referral bring it to a branch.

If your referral joins online, return the form to:

Spectrum Credit Union
Attn: Branch Operations
P.O. Box 2069
Oakland, CA 94604-2069

Fax: 510-627-5032

$25 will be credited to your Savings Account when the referred member joins and signs up for Savings, Checking, and a Debit Card.

1 New members must join and sign up for the entire package (Member Savings, Checking, Debit Card, PC Access, eStatements, and Mobile Banking) and maintain them for one year; otherwise any promotional funds will be forfeited. $25 will be credited to the member’s Savings account as a dividend immediately upon opening Member Savings, Checking, and Debit Card accounts. An additional $25 will be credited if member signs up for PC Access, eStatements, and Mobile Banking within 30 days of joining. Dividends earned on Checking account balances of $500 or more and Member Savings account balances of $25 or more are compounded daily and paid monthly. This offer cannot be combined with any other offer or promotion. Other restrictions may apply. YBA 5 for $60 Promo Code 2215/YBA MySavings 5 for $60 Promo Code 2211

2 Referral offer is limited to existing Spectrum Credit Union members only. $25 will be credited to the referring member’s Savings account as a dividend upon opening of new member’s account if new member signs up for Savings, Checking, and a Debit Card. YBA Refer a Friend Promo Code 2217/MySavings 5 for $60 Promo Code 2212