Overview / Commentary
800-782-8782
500 12th Street Suite 200
Oakland, CA 94607

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+

Health Grade Components

Overall
NCUA #24326
Year Chartered1935
Employees278
Primary Regulator
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD8.16%
Annual Interest Income$113.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$3.34B$3.16B
LoansQ4 2018vs Q4 2017$2.81B$2.63B
DepositsQ4 2018vs Q4 2017$2.93B$2.79B
Equity CapitalQ4 2018vs Q4 2017$394.4MM$360.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$8.9MM$7.0MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$6.5MM$7.6MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Spectrum Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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%*$25*$1kMySavings
OTHER TIERS: 0.50% $1k+
0.50%$25-Primary Savings
0.50%$25-Accumulative IRA

Spectrum Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%*$2.5k*- MarketEdge
OTHER TIERS: 0.50% Up to $2.5k
1.85%*$2.5k*-MarketEdge IRA
OTHER TIERS: 0.50% Up to $2.5k
1.85%*$2.5k*- MarketEdge HSA
OTHER TIERS: 0.50% Up to $2.5k

Spectrum Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$500-Checking

Spectrum Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$250k*-60 Month CD
OTHER TIERS: 3.00% $500 - $100k | 3.05% $100k - $250k
2.90%*$250k*-48 Month CD
OTHER TIERS: 2.80% $500 - $100k | 2.85% $100k - $250k
2.80%*$250k*-36 Month CD
OTHER TIERS: 2.70% $500 - $100k | 2.75% $100k - $250k
2.80%$500-15 Month CD Special
2.70%*$250k*-24 Month CD
OTHER TIERS: 2.60% $500 - $100k | 2.65% $100k - $250k
2.60%*$250k*-12 Month CD
OTHER TIERS: 2.50% $500 - $100k | 2.55% $100k - $250k
2.05%$500-9 Month CD
2.00%$500-6 Month CD
1.95%$500-3 Month CD

Spectrum Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$250k*-60 Month IRA
OTHER TIERS: 3.00% $500 - $100k | 3.05% $100k - $250k
2.90%*$250k*-48 Month IRA
OTHER TIERS: 2.80% $500 - $100k | 2.85% $100k - $250k
2.80%*$250k*-36 Month IRA
OTHER TIERS: 2.70% $500 - $100k | 2.75% $100k - $250k
2.80%$500-15 Month IRA Special
2.70%*$250k*-24 Month IRA
OTHER TIERS: 2.60% $500 - $100k | 2.65% $100k - $250k
2.60%*$250k*-12 Month IRA
OTHER TIERS: 2.50% $500 - $100k | 2.55% $100k - $250k
Locations

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