¹Annual Percentage Yield (APY) valid as of March 3, 2025. Rates and terms subject to change. Account must be opened between March 3 – 28, 2025, to be eligible for promotional APY. Offer is subject to termination at any time. The 10-Month dividend rate is 4.16% and the APY is 4.25%. The 15-Month dividend rate is 4.16% and the APY is 4.25%. APYs are based on the assumption that dividends are reinvested to the Share 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 Share Certificate will roll over into a regular-rate 9-Month Share Certificate upon maturity and the 15-Month Share Certificate will roll over into a 15-Month Share Certificate upon maturity. Rollover rates will be based on the prevailing rates at the time of maturity. All certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Must be a member in good standing to participate.

²Estimated yields are for comparison purposes only and are rounded to the nearest whole dollar. Actual yields earned may differ slightly from amount shown. Estimated 10-Month Certificate yield = $355.06 ($10k); $3,550.62 ($100k). Estimated 15-Month Certificate yield = $534.89 ($10k); $5,348.90 ($100k).

³Annual Percentage Yield (APY) effective March 3, 2025, 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.

⁴You 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.

⁵The minimum balance to open a Share Certificate is $500.

⁶All certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Withdrawal of dividends will reduce earnings.