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.
Our foundational accounts offer members another layer of excellent value. Take advantage of Spectrum Credit Union's competitive Checking and Savings rates.
Rate Effective Date :
May 31, 2023
| Account Name | APY1 | Minimum Balance | Dividend Rate2 | Link to more information |
|---|---|---|---|---|
| Primary Share Savings 3 | 0.75% | $25 | 0.75% | Get Started |
| Member Checking 4 | 0.10% | $0 | 0.10% | Get Started |
| HSA Checking 4 | 0.10% | $0 | 0.10% | Get Started |
| New Solutions Checking 5 | 0.00% | $0 | 0.00% | Get Started |
| MySavings Youth 6 | 7.00% | $0 | 6.77% | Get Started |
| Accumulative IRA / Roth IRA | 0.75% | $0 | 0.75% | Get Started |
The annual percentage yield, the annual percentage yield earned, and the dividend rates are rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places. Examples of this rounding are an annual percentage yield calculated to be 0.747%, rounded down and shown as 0.74%; 0.747% would be rounded up and disclosed as 0.75%.
1 Dividends will be compounded daily and will be credited to your account every month. Rates are not guaranteed and are subject to change without notice.
2 APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.
3 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.
4 You must maintain a minimum balance of $25 in your Primary Share Savings account to maintain your accounts. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed dividends.
5 You must maintain a minimum balance of $25 in your Primary Share Savings account to maintain your accounts. This account does not earn dividends.
6 You must maintain a minimum balance of $25 in your Primary Share Savings account to maintain your accounts. Dividend rate applies to balances up to and including $1000.00. Balances of $1,000.01 and above will earn the same dividend rate as our Primary Share Savings account.
Find a Branch