Find updated Spectrum Credit Union promotions and offers here.
Spectrum CU has locations throughout CA, LA, MS, TX, UT, and VA. If you don’t meet the membership requirements for this institution’s offers, see our bank offers page for other offers. Top offers can be found from TD Bank, Chase Bank, BBVA, HSBC Bank, Wells Fargo and more.
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 info.
Compare Spectrum CU’s rates with the nation’s best Savings rates here and the best CD rates here.
I’ll review the current offers below.
Spectrum Credit Union Money Market Offer: 1.85% APY (Nationwide)

Earn a 1.85% APY rate with the MarketEdge Money Market account from Spectrum CU.
- Earn 1.85% APY
- Available nationwide via membership
- Minimum for APY is $2,500
- Maximum for APY: None
Spectrum CU Referral Offer: $25 For You, $50 For Them

Earn a $25 bonus when you make a referral. Your referral will also be able to earn a $50 bonus. The $25 offer runs all year long. The $50 for your referral is the limited time offer.
- $50 bonus offer for your referral expires 6/30/2019
- Available nationwide via membership
- For the June Membership Drive available June 1–30, new members can get $50 when they join and sign up for six free accounts and services (Savings, Checking, Debit card, Online Banking, Mobile Banking, eStatements)
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.