The best for you every day
You deserve more than average – that’s why we offer everyday high-yield savings rates that go above and beyond! With our MarketEdge and Certificate accounts, your money grows faster, helping you reach your goals sooner.
Earn more with this supercharged special offer: 10-Month or 15-Month Certificate at 4.00% APY.*
Plus, this special offer gives you an opportunity for a Super Boost: a one-time opportunity during the term to add more funds – up to 50% of your opening deposit – while keeping the same strong fixed rate.*
Act now to lock in this deal — only available through March 31!*
Here’s what you can expect to earn at the end of each term once you lock in this special rate:*
Exclusive Super Boost
Even if rates go down in the future, the 10-Month or 15-Month Certificate you open this month offers you an opportunity to earn this supercharged rate on a future addition.*
Level up with a one-time option to add more funds later – up to 50% of your opening deposit – while keeping your locked-in rate.
Not Your Average Certificate
Certificate deposits are typically locked for the duration of the term once opened. Our Super Boost lets you level up your locked-in rate with funds added later.*
The Super Boost gives you:
- Protection if rates decline
- Flexibility and long-term growth
- Control over how and when you save
Lock In Before Rates Change
These strong rates won’t last long. No matter your financial goals, a strong fixed Certificate rate helps you surge forward with confidence.
Let our MarketEdge and Certificate accounts work together for you.
7x National Average1
MarketEdge Money Market Savings
Up to 3.20% APY2
Enjoy high yields plus access your funds anytime you want.
- No minimum balance required4
- Also available as a Health Savings Account
Almost 2x National Average1
Share Certificates
Up to 3.75% APY3
So many terms to choose from! Choose the one that fits your goal.
- Lock in a fixed rate from 3 months to 5 years5
- Open with as little as $5006
Are you earning less at other financial institutions? Make the most of your membership with our high-yield savings opportunities!
Savings Tips
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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."
Financial Education
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* Annual Percentage Yield (APY) valid as of March 2, 2026. Rates and terms subject to change. Account must be opened between March 2 – 31, 2026, to be eligible for promotional APY. Offer is subject to termination at any time. The 10-Month and 15-Month dividend rate is 3.922% and the APY is 4.00%. APYs are based on the assumption that dividends are reinvested to the Certificate. Withdrawal of dividends will reduce earnings. Dividends are compounded daily and paid monthly. Unless other instructions are received from the member, the 10-Month Certificate will roll over into a 9-Month Certificate upon maturing and the 15-Month Certificate will roll over into a 15-Month Certificate upon maturing. All Certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Must be a member in good standing to participate.
On any business day during the life of the Certificate (starting the day after opening and ending one day before the maturity date), a one-time additional deposit may be made to the Certificate of up to 50% of the opening deposit. The additional funds added to the Certificate will earn the promotional APY starting from the date the deposit is added. No more than one additional deposit may be made to the Certificate. The additional deposit will share the same maturity date as the original Certificate. Any early withdrawal penalty will apply to the full balance of the Certificate, including any funds added during the life of the Certificate. The 50% add-on option applies only to the original Certificate term. If you choose to renew your Certificate upon maturity, the 50% add-on option will not carry over to the new Certificate.
Estimated yields are for comparison purposes only. Actual yields earned may differ slightly from amount shown. Estimated 10-Month Certificate yield = $332.21 ($10k); $1,661.07 (50k); $3,322.15 ($100k). Estimated 15-Month Certificate yield = $502.44 ($10k); $2,512.19 (50k); $5,024.38 ($100k).
1 Per bankrate.com as of 2/23/2026
2 Annual Percentage Yield (APY) effective 10/10/25 and subject to change without notice. See spectrumcu.org/rates/marketedge for additional rate tiers. Dividends are compounded daily and paid monthly.
3 Annual Percentage Yield (APY) effective 11/05/25 and subject to change without notice. See spectrumcu.org/rates/share-certificate for additional rate tiers. Dividends are compounded daily and paid monthly. All Certificates are subject to an early withdrawal penalty. Fees could reduce earnings.
4 No minimum balance required for MarketEdge account. You must maintain a minimum balance of $25 in your Primary Share Savings account to maintain your accounts.
5 All Certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Withdrawal of dividends will reduce earnings.
6 The minimum balance to open a Certificate is $500.
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Why join Spectrum Credit Union? Learn more.