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Save more for your todays…earn more for your tomorrows!

As your lifetime financial partner, we’re here to help make your todays – and your tomorrows – a little brighter. That’s why we offer high-earning savings accounts for both shorter- and longer-term savings goals.

Let our MarketEdge and Certificate accounts work together for you.

High-Yield + Full Access

Money Market Savings

Earn more on your everyday budget

  • Earn up to 4.00% APY1
  • No minimum balance to open
  • Higher balances earn higher rates
  • Easy access via checks or debit card

Our latest and greatest Certificate Rate!

12-Month Certificates

Let your balance grow for future goals

  • Earn up to 5.00% APY2
  • Today’s high rates locked in for the full term
  • Open with as little as $500
  • Guaranteed returns

Change is constant, and these incredible savings rates won’t last forever. So open a MarketEdge for now, and invest in a secure Share Certificate to reap today’s earnings into next year!

Savings Strategies





Digital Banking Tools

Navigate to the "More" screen in Digital Banking to take advantage of these tools and more!

Trouble accessing the Digital Banking tools via your mobile device? Open your Spectrum Credit Union mobile app, open the "Main Menu," then scroll down to "Finance Management."


1 Annual Percentage Yield (APY) effective 05/01/2024, and subject to change without notice. See for additional rate tiers. Dividends are compounded daily and paid monthly.

2 Annual Percentage Yield (APY) is effective 6/12/24 for balances of $100,000+, and is subject to change without notice. See for additional rate tiers. The 12-Month rate is 4.88% and the APY is 5.00%. Dividends are compounded daily and paid monthly. All certificates are subject to an early withdrawal penalty. Fees could reduce earnings.

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.