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Certificate Special Offer

The Supercharge Certificate Special: March 2 – 31*

Take advantage of this exclusive member offer, for a limited time only!

Certificate special offer

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If you’re not in a hurry to use your money, you can keep it working for you with guaranteed results.

Certificates offer fixed rates of return, which are typically higher than those of our Primary Share Savings accounts.

  • Your guaranteed return will be locked in anywhere from 3 months up to 5 years4
  • Available for individuals, trusts, and Traditional and Roth IRAs5
  • Open with as little as $500; higher rates available at $100,000 & $250,0006

If you access your funds before maturity, you will incur an early withdrawal penalty that could range from 3 months to 12 months of dividends depending on the length of the Certificate. You can also borrow against the Certificate using a Secured Loan. To learn more, visit our Secured Loans page.

With our MarketEdge Money Market Savings account, you have a high-yield savings account combined with the convenience of checks and a debit card.

With many high-yield savings accounts, the trade off for good returns is less accessible funds. When you’re a Spectrum Credit Union member, you don’t have to make that compromise — you get higher dividend rates for your savings and anytime access to your funds.

MarketEdge Money Market Savings features:

  • No monthly maintenance fees or term restrictions
  • No minimum balance required to open or maintain (balances below $2,500 earn our regular Primary Share Savings account dividend rate)7
  • Easy access via checks or debit card
  • Also available as a Money Market Health Savings Account for members with a high deductible health plan (HDHP)

Video Banking Appointments Now Available

Schedule an appointment to meet with a team member over video from your computer or mobile device. Experience the same caring, personalized service from wherever it works best for you.

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*Annual Percentage Yield (APY) valid as of March 2, 2026. Rates and terms subject to change. Account must be opened between March 2 – 31, 2026, to be eligible for promotional APY. Offer is subject to termination at any time. The 10-Month and 15-Month dividend rate is 3.922% and the APY is 4.00%. APYs are based on the assumption that dividends are reinvested to the Certificate. Withdrawal of dividends will reduce earnings. Dividends are compounded daily and paid monthly. Unless other instructions are received from the member, the 10-Month Certificate will roll over into a 9-Month Certificate upon maturing and the 15-Month Certificate will roll over into a 15-Month Certificate upon maturing. All Certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Must be a member in good standing to participate.

On any business day during the life of the Certificate (starting the day after opening and ending one day before the maturity date), a one-time additional deposit may be made to the Certificate of up to 50% of the opening deposit. The additional funds added to the Certificate will earn the promotional APY starting from the date the deposit is added. No more than one additional deposit may be made to the Certificate. The additional deposit will share the same maturity date as the original Certificate. Any early withdrawal penalty will apply to the full balance of the Certificate, including any funds added during the life of the Certificate. The 50% add-on option applies only to the original Certificate term. If you choose to renew your Certificate upon maturity, the 50% add-on option will not carry over to the new Certificate.

1 Per bankrate.com as of 7/15/25

2  Annual Percentage Yield (APY) effective 10/10/25 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 11/05/25 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  All certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Withdrawal of dividends will reduce earnings.

5  To open a Certificate in an IRA, please stop by your branch or give us a call at 866-859-5552.

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

7  You are required to maintain a minimum balance of $25.00 in your Primary Share Savings account to keep your membership active and maintain other accounts. See today’s rates. Rates are subject to change without notice. Dividends are compounded daily and paid monthly.

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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.

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From everyday finance to life’s big money moments, it’s better when you belong.