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The best for you every day

You deserve more than average – that’s why we offer everyday high-yield savings rates that go above and beyond! With our MarketEdge and Certificate accounts, your money grows faster, helping you reach your goals sooner.

Let our MarketEdge and Certificate accounts work together for you.

7x National Average1

MarketEdge Money Market Savings
Up to 3.40% APY2
Enjoy high yields plus access your funds anytime you want.

  • No minimum balance required4
  • Also available as a Health Savings Account7

2x National Average1

9, 12, and 15-Month Certificates
4.00% APY3
So many terms to choose from! Choose the one that fits your goal.

  • Lock in a fixed rate from 3 months to 5 years5
  • Open with as little as $5006

Are you earning less at other financial institutions? Make the most of your membership with our high-yield savings opportunities!

Savings Strategies

 

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Digital Banking Tools

Navigate to the "More" screen in Digital Banking to take advantage of these tools and more!

Trouble accessing the Digital Banking tools via your mobile device? Open your Spectrum Credit Union mobile app, open the "Main Menu," then scroll down to "Finance Management."

 

1 Per bankrate.com as of 7/15/25

2 Annual Percentage Yield (APY) effective 7/16/25 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 7/16/25 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.

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.