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Remember those high dividends we told you about? Your Primary Share Savings account is where you’ll find them.

Determined by the Board of Directors at the beginning of each month, our highly competitive dividends are one of the greatest benefits of Spectrum Credit Union membership. 

You only need $25 to open a Primary Share Savings account, and there’s a low minimum balance of $25 in order to keep your Savings account(s) active and collect those dividends.

Ownership options:

  • Individual
  • Joint
  • Uniform Transfer to Minors Act (UTMA)
  • Trust

In addition to high dividends, some of the benefits include:

  • Savings account(s) may be designated as overdraft protection for your Member Checking account(s)
  • Free quarterly account statements for each Savings account

Save for something special with a Sub-Savings account

Want to go on that dream vacation, but the money seems to disappear into car repairs or student loans? With Spectrum Credit Union’s Sub-Savings account, you can put money aside for specific goals like vacations, home upgrades, or nights out with friends.

Track your Sub-Savings account balance alongside your Primary Share Savings account balance, so you’ll know how close you are to any individual savings goal.

Want to open a Sub-Savings account? Simply log in to Online Banking and select Open Account under Additional Services. You’ll be lounging on the beach in Mexico before you know it! 

See how your savings will grow with a Member Savings account.


More Savings accounts

  • MarketEdge Money Market Savings: High-yield Savings account with convenient access to funds through checks and ATM/debit card 
  • MySavings Youth: Savings account for members 21 years old and younger to experience the power of compound interest first-hand 
  • Share Certificates: A stable savings option with a fixed rate of return
  • IRAs: Individual Retirement Accounts (IRAs) to help build a strong retirement fund
  • HSAs: Health Savings Accounts (HSAs) to help you maximize your high-deductible health plan

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.