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Smart moves that help the VIP you're saving for

Small steps today lead to big rewards on the road ahead. Save more with MarketEdge and Certificates.

See how much more you can earn in one year1

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 3.80% APY2
  • No minimum balance to open5
  • Higher balances earn higher rates
  • Easy access to funds

Our latest and greatest Certificate Rate!

12-Month Certificates

Let your balance grow for future goals

  • Earn up to 4.25% APY4
  • Today’s high rates locked in for the full term
  • Open with as little as $5006
  • Guaranteed returns7

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

 

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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."

 

1Yields based on rates effective as of 12/20/24. Rates are subject to change without notice. Assumes balance stated is maintained for 12 months. Estimated earnings rounded to the nearest whole dollar; MarketEdge actual yield = $360.01 ($10k); $1,849.81 ($50k); $3,800.24 ($100k).  Certificate actual yield = $424.96 ($10k); $2,124.79 ($50k); $4,249.58 (100k).

2Annual Percentage Yield (APY) effective 12/20/24 and subject to change without notice. See spectrumcu.org/rates for additional rate tiers. Dividends are compounded daily and paid monthly. Fees may reduce earnings.

3National average Annual Percentage Yield (APY) effective 12/19/24 per bankrate.com.

4Annual Percentage Yield (APY) effective 12/20/24 and subject to change without notice. See spectrumcu.org/rates for additional rate tiers. Dividends are compounded daily and paid monthly. All certificates are subject to an early withdrawal penalty. Fees may reduce earnings. Withdrawal of dividends will reduce earnings.

⁵ You 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.

6The minimum balance to open a Share Certificate is $500.

7All certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Withdrawal of dividends will reduce earnings.

⁸Based on a 3.80% MarketEdge Money Market Annual Percentage Yield (APY) effective as of 12/20/24 and a 0.41% national average Annual Percentage Yield (APY) effective 12/19/24 per bankrate.com.

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