Share Certificates, like Certificates of Deposit (CDs), are a stable savings option with a fixed rate of return.

Guaranteed returns locked in for 3 months up to 5 years Available for individuals, trusts, and traditional and Roth IRAs Open with as little as $500; higher rates at $100,000, & $250,000.


Today's Rates          Open Your Account Today!



IRA/Roth Share Certificates are not offered for terms of less than six months.
Rates are subject to change without notice.
Rate changes are generally posted each Wednesday morning.

1. APY=Annual Percentage Yield. All certificates are subject to an early withdrawal penalty. Fees may reduce earnings. Rate subject to change without notice.
2. Consult your tax adviser to determine which IRA plan is best for you.
3. Spectrum does not provide legal, tax, account, or benefits consulting advice. Please consult with your tax professional to discuss your personal situation.

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