Spectrum Credit Union (Spectrum) offers high-yield Member Savings accounts, Money Market accounts, Share Certificate accounts,  and Individual Retirement Accounts (IRAs). All accounts are Federally-insured up to $250,000 (IRAs up to $250,000) by the National Credit Union Share Insurance Fund (NCUSIF).
 
Ownership of accounts may be established individually or jointly, as custodial accounts, or under the Uniform Transfers to Minors Act (UTMA). Dividends on all Spectrum accounts are compounded daily.

  Regular
Savings/IRA
Checking MarketEdge Share and IRA Certificates
Minimum to open account $25 none none $500
Minimum to maintain account $25 none none opening balance
Minimum to earn dividends $25 $500 any balance opening balance (penalty for early withdrawal)
Higher yields for larger deposits no no *Under $2,500 earns minimum rate

*$2,500 and up earns base rate

*Under $50,000 earns base rate

*$50,000-$99,999.99
earns base rate+

*$100,000 and up earns base rate+
Frequency of
dividends
 monthly monthly monthly monthly
*Dividends earned on ENTIRE balance each day it was within stated tier

How to make deposits:

  • Direct deposit all or part of your paycheck.
  • Direct deposit government checks, such as Social Security checks.
  • Electronic funds transfer (EFT).
  • Through Spectrum ATMs, CO-OP ATMs, and CO-OP Shared Branch locations.
  • Wire transfer.
  • In person at our branchesby mail, and at any Spectrum branch drop box.
  • Online using eDeposit. Log in to PC Access and click on eDeposit. Scan in the front and back of your check (or upload check images), and print your receipt. Click here for a list of eDeposit FAQs.

Master Account Agreement and Disclosure (PDF) adobepdf

You will need Adobe Reader installed in order to view this file.

getadobereader
Download Acrobat Adobe Reader


New_todays-rates New_calculators New_membership-application