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.

• 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)