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Our members deserve the best!
Seize this limited time to lock in a top-of-the-market rate.


14-Month Five-Star Certificate Special
5.00% APY*
Only through March 31

Don’t miss your chance to lock in one of the best rates in the country with this year’s Five-Star Certificate Special!

Opening a Certificate in Digital Banking is easy:

To open in Online Banking: On your Overview or Accounts page, click the “Open a New Account” link (under “Make this screen my landing page”)

To open in Mobile Banking: Tap on the menu icon in the top right corner and scroll down to “Open a New Account” under Account Management

If you want to open a Certificate in an IRA, just stop by your branch or give us a call at 800-782-8782.

* Annual Percentage Yield (APY) valid as of March 3, 2023, and subject to change at any time. Account must be opened between March 3 – 31, 2023, to be eligible for promotional APY. Offer is subject to termination at any time. The 14-month rate is 4.88% and the APY is 5.00%. Dividends are compounded daily and paid monthly. Unless other instructions are received from the member, the 14-month share certificate will roll over into a 12-month share certificate upon maturing. All certificates are subject to an early withdrawal penalty. Fees could reduce earnings.

Lock in a fixed rate of return with a share certificate.

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 years
  • Available for individuals, trusts, and Traditional and Roth IRAs
  • Open with as little as $500; higher rates available at $100,000 & $250,000

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)1
  • 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)

1 See today’s rates.Rates are subject to change without notice. Dividends are compounded daily and paid monthly.

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.