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Grow your savings with Spectrum Credit Union's competitive Share Certificate rates and enjoy stable dividends and guaranteed returns.

Rate Effective Date : Aug 21, 2024

Minimum Deposit

Term (Months) APY1 Dividend Rate2 Link to more information
3 4.00% 3.92% Get Started
6 4.25% 4.16% Get Started
9 4.25% 4.16% Get Started
12 4.25% 4.17% Get Started
15 4.00% 3.92% Get Started
18 4.40% 4.31% Get Started
24 4.10% 4.02% Get Started
36 3.90% 3.83% Get Started
48 3.65% 3.59% Get Started
60 3.65% 3.59% Get Started

Rate Effective Date : Aug 21, 2024

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Term (Months) APY1 Dividend Rate2 Link to more information
3 4.00% 3.92% Get Started
6 4.25% 4.16% Get Started
9 4.25% 4.16% Get Started
12 4.90% 4.78% Get Started
15 4.10% 4.02% Get Started
18 4.50% 4.40% Get Started
24 4.20% 4.11% Get Started
36 3.90% 3.83% Get Started
48 3.65% 3.59% Get Started
60 3.65% 3.59% Get Started

Rate Effective Date : Aug 21, 2024

Like what you see? Join Today

Term (Months) APY1 Dividend Rate2 Link to more information
3 4.00% 3.92% Get Started
6 4.25% 4.16% Get Started
9 4.25% 4.16% Get Started
12 5.00% 4.88% Get Started
15 4.20% 4.11% Get Started
18 4.50% 4.40% Get Started
24 4.50% 4.40% Get Started
36 3.90% 3.83% Get Started
48 3.65% 3.59% Get Started
60 3.65% 3.59% Get Started

Rate Effective Date : Aug 21, 2024

Like what you see? Join Today

Term (Months) APY1 Dividend Rate2 Link to more information
3 4.00% 3.92% Get Started
6 4.25% 4.16% Get Started
9 4.25% 4.16% Get Started
12 5.00% 4.88% Get Started
15 4.20% 4.11% Get Started
18 4.50% 4.40% Get Started
24 4.50% 4.40% Get Started
36 3.90% 3.83% Get Started
48 3.65% 3.59% Get Started
60 3.65% 3.59% Get Started

Rate Effective Date : Aug 21, 2024

Like what you see? Join Today

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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 4.404%, rounded down and shown as 4.40%; 4.405% would be rounded up and disclosed as 4.41%.

IRA/Roth Share Certificates are not offered for terms of less than six months.

1 APY = Annual Percentage Yield. All certificates are subject to an early withdrawal penalty. Fees may reduce earnings. Rate subject to change without notice.

2 Fees may reduce earnings. All certificates are subject to an early withdrawal penalty. Dividends will be compounded daily and will be credited to your account monthly.

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