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Spectrum Credit Union

Deposits held and insured by Chevron Federal Credit Union

TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.spectrumcu.org
800-782-8782
2300 Clayton Road Suite 700
Concord, CA 94520
Deposits held and insured by Chevron Federal Credit Union

Field of Membership Restrictions

Membership in Spectrum Credit Union is open to anyone through joining the Contra Costa County Historical Society ($20 membership fee) or the Navy League of the United States ($25 annual membership fee). Membership is also open to the following: 1) those who live, work, attend school or worship in Russian Hill, Telegraph Hill, North Beach, Potrero Hill, Chinatown, Financial District, Western Addition, Hunters Point, South of Market, The Panhandle, The Mission, Bernal Heights, Bayview, Portola, or Visitacion Valley neighborhoods in San Francisco, California; 2) those who live, work, attend school or worship in Frederick County in Maryland (including Frederick, Emmitsburg, Thurmont, Woodsboro, and other surrounding areas); 3) employees of Charles Schwab & Co. Inc. who work in or are paid from San Francisco, California; 4) non-manual employees of Bechtel Corporation, its wholly-owned subsidiaries, and affiliated companies; 5) U.S. members and employees of Safari Club International or the Project Management Institute; 6) immediate family of current members.
See current membership details

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Health
A+

Data as of Q4 2024

Data displayed below is for insuring bank: Chevron Federal Credit Union
Learn why bank health matters

Health Grade Components

Overall
NCUA #24326
Year Chartered1935
Employees353
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD5.04%
Annual Interest Income$200.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$4.91B$4.67B
LoansQ4 2024vs Q4 2023$4B$4.08B
DepositsQ4 2024vs Q4 2023$4.23B$4.03B
Equity CapitalQ4 2024vs Q4 2023$639.4MM$606.1MM
Loan Loss AllowanceQ4 2024vs Q4 2023$63.9MM$71MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$16.5MM$18.7MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Spectrum Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.00%*$0$1kMySavings Youth
OTHER TIERS: 0.75% → $1k+
0.75%$0-Primary Savings
0.10%$500-HSA Checking

Spectrum Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.60%*$100k*-MarketEdge Savings
OTHER TIERS: 0.75% → $0 - $2.5k | 3.40% → $2.5k - $25k | 3.50% → $25k - $100k
3.60%*$100k*-MarketEdge HSA
OTHER TIERS: 0.75% → $0 - $2.5k | 3.40% → $2.5k - $25k | 3.50% → $25k - $100k

Spectrum Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Member Checking

Spectrum Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$500-9 Month CD
3.90%$500-12 Month CD
3.90%$500-15 Month CD
3.80%$500-6 Month CD
3.80%$500-3 Month CD
3.80%*$100k*-18 Month CD
OTHER TIERS: 3.70% → $500 - $100k
3.50%*$100k*-24 Month CD
OTHER TIERS: 3.40% → $500 - $100k
3.50%*$100k*-36 Month CD
OTHER TIERS: 3.40% → $500 - $100k
3.50%*$100k*-48 Month CD
OTHER TIERS: 3.40% → $500 - $100k
3.50%*$100k*-60 Month CD
OTHER TIERS: 3.40% → $500 - $100k

Spectrum Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$500-12 Month IRA
3.90%$500-9 Month IRA
3.90%$500-15 Month IRA
3.80%$500-6 Month IRA
3.80%*$100k*-18 Month IRA
OTHER TIERS: 3.70% → $500 - $100k
3.50%*$100k*-24 Month IRA
OTHER TIERS: 3.40% → $500 - $100k
3.50%*$100k*-36 Month IRA
OTHER TIERS: 3.40% → $500 - $100k
3.50%*$100k*-48 Month IRA
OTHER TIERS: 3.40% → $500 - $100k
3.50%*$100k*-60 Month IRA
OTHER TIERS: 3.40% → $500 - $100k
0.75%$0-Accumulative IRA
Locations

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