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Let our MarketEdge and Certificate accounts work together for you.

Up to 4.00% APY4

MarketEdge Money Market
Earn more on your everyday budget

5.00% APY4

9-Month or 12-Month Certificate
Let your balance grow for future goals


Open Your Account Today!

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 years1
  • Available for individuals, trusts, and Traditional and Roth IRAs2
  • Open with as little as $500; higher rates available at $100,000 & $250,0003

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)4
  • 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 All certificates are subject to an early withdrawal penalty. Fees could reduce earnings.

2 To open a Certificate in an IRA, please stop by your branch or give us a call at 866-859-5958

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

4See 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.