*Offer is limited to members age 18+ who are members in good standing (no active collections, fraud, or charge-offs, etc.) as of the date of opt-in. To be eligible, member must opt in to partici-pate in the promotion by clicking the email link or contacting a branch or Call Center representa-tive between October 1, 2026, and December 18, 2026. All of the member’s eligible member-ships will be opted in. Each eligible membership will be tracked separately for purposes of the promotional payout. Individuals who are not current members may participate by opening a new membership during the promotional period. Existing memberships for which the member is an authorized signer are eligible. New memberships opened by existing members during the promo-tional period are not eligible to earn rewards.

Following opt-in, the member will have 10 calendar days to deposit new money into the opted-in membership. The end-of-day balance of all deposit accounts within an opted-in membership as of September 30, 2026, will be used to determine the membership’s starting balance. The amount of new money deposited during the 10-day funding period will be compared to the mem-bership’s September 30, 2026, starting balance to determine the increase and corresponding reward tier. Funds withdrawn from Spectrum Credit Union or Chevron Federal Credit Union after September 30, 2026, and redeposited during the 10-day funding period will not be considered new money or eligible for a promotional reward. New money is defined as funds deposited from sources outside of Spectrum Credit Union or Chevron Federal Credit Union. Any additional funds deposited after the 10-day funding period will not be considered when determining the re-ward tier. 

New funds must be maintained in the enrolled membership for 90 consecutive days following the end of the 10-day funding period. If the membership’s balance falls below the minimum balance required for the reward tier at any point during the 90-day maintenance period, the membership will no longer qualify for that reward tier. If the balance falls within a lower reward tier, the mem-ber may still qualify for the lower reward. Members may not deposit additional funds after the 10-day funding period to increase their reward tier.

An increase of $10,000 – $24,999.99 will earn a bonus of $100; an increase of $25,000 – $49,999.99 will earn a bonus of $150; an increase of $50,000 – $99,999.99 will earn a bonus of $250; and an increase of $100,000+ will earn a bonus of $500. Promotional funds will be credited to the opted-in membership’s Primary Share account within 10 calendar days after the 90-day maintenance period ends. Taxes due on incentives are the sole responsibility of the recipient. Chevron Federal Credit Union dba Spectrum Credit Union will report to the appropriate state and federal agencies as required by applicable law. Other restrictions may apply.

¹ Per bankrate.com as of 07/08/26

² Annual Percentage Yield (APY) effective 06/08/26 and subject to change without notice. See spectrumcu.org/rates/marketedge for additional rate tiers. Dividends are compounded daily and paid monthly.

³ Annual Percentage Yield (APY) effective 09/16/26 and subject to change without notice. See spectrumcu.org/rates/share-certificate for additional rate tiers. Dividends are compounded daily and paid monthly. All Certificates are subject to an early withdrawal penalty. Fees could reduce earnings.

⁴ No minimum balance required for MarketEdge account. You must maintain a minimum balance of $25 in your Primary Share Savings account to maintain your accounts.

⁵ All certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Withdrawal of dividends will reduce earnings.

⁶ The minimum balance to open a Share Certificate is $500.