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 5,600+ 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.

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