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Grow Your Savings with Our Twice as Nice Certificate Special!

Choose from two great offers:

10-Month Certificate
4.25% APY¹

15-Month Certificate
4.25% APY¹

 

Start Saving Today

 

See what you can expect to earn at the end of each term.2

Lock in special rates now, unlock special moments later.

Whether you’re planning for a big milestone or a bucket list adventure, watch your savings grow securely. Take advantage of this offer before it’s gone! Valid March 3 – 28 only.

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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.

Like Certificates of Deposit (CDs), share 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 years3
  • Available for individuals, trusts, and Traditional and Roth IRAs4
  • Open with as little as $500; higher rates available at $100,000 & $250,0005

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 share certificate. You can also borrow against the share 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)6
  • 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)

¹Annual Percentage Yield (APY) valid as of March 3, 2025. Rates and terms subject to change. Account must be opened between March 3 – 28, 2025, to be eligible for promotional APY. Offer is subject to termination at any time. The 10-Month dividend rate is 4.16% and the APY is 4.25%. The 15-Month dividend rate is 4.16% and the APY is 4.25%. APYs are based on the assumption that dividends are reinvested to the Share 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 Share Certificate will roll over into a regular-rate 9-Month Share Certificate upon maturity and the 15-Month Share Certificate will roll over into a 15-Month Share Certificate upon maturity. Rollover rates will be based on the prevailing rates at the time of maturity. All certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Must be a member in good standing to participate.

²Estimated yields are for comparison purposes only and are rounded to the nearest whole dollar. Actual yields earned may differ slightly from amount shown. Estimated 10-Month Certificate yield = $355.06 ($10k); $3,550.62 ($100k). Estimated 15-Month Certificate yield = $534.89 ($10k); $5,348.90 ($100k).

3All certificates are subject to an early withdrawal penalty. Fees may reduce earnings.

4To open a Certificate in an IRA, please stop by your branch or give us a call at 866-859-5552.

5The minimum balance to open a Share Certificate is $500.

6You 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.

Why join Spectrum Credit Union? Learn more.

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