Dedicated to Deposits: Deals, Data, and Discussion

5.65% 12-Month CD IRA / 5.50% 9-Month CD at Spectrum FCU (Open to All)


Spectrum FCU is offering a 5.50% APY 9-month certifcate and a 5.65% APY 12-month IRA certificate. The 9-month CD has a $5,000 minimum deposit with no maximum. The IRA has a $1,000 minimum. Both require money new to the credit union. These offers end on 3/31/07.

Field of membership includes members of Financial Fitness Association. Anyone can join this association. The membership cost is $5. The application is available online, and the fee can be paid by PayPal or by check.

You can join without joining the Financial Fitness Association if you live in specific areas of Maryland and San Francisco, California. You can also be eligible via Select Employer Groups.

Membership into the credit union requires a one-time $5 fee and a minimum deposit of $25 into the share savings account.

Branches are located in San Francisco, California; Houston, Texas; and Frederick, Maryland. The credit union is federally insured by the NCUA (Charter # 21428). It has $127.4 million in assets and 12,080 members.

  Tags: California, Maryland, CD rates, IRA rates, Texas

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Comment #1 by Patty (anonymous) posted on
I'll have to keep this one in mind. I joined the Financial Fitness Assoc last summer to get in on the Addison Avenue FCU cd's you posted bank then.

Comment #2 by Banking Guy (anonymous) posted on
Banking Guy
I didn't notice it, but you're right. It is the same association that Addison Avenue uses (see post).