Credit Unions | Spectrum Federal Credit Union

Spectrum Federal Credit Union

Spectrum Federal Credit Union is a NCUA insured federal credit union headquartered at PO Box 193919, San Francisco, CA 94119.
It was founded in 1973 and has approximately $168 million in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - December 07, 2025

SAVINGS RATES	APY	MIN
SAV	0.75%	$25	Compare

CD RATES	APY	MIN
6 Mo CD	4.25%	$500	Compare
9 Mo CD	4.70%	$500	Compare
12 Mo CD	4.70%	$500	Compare
12 Mo CD	4.70%	$50,000	Compare
12 Mo CD	4.75%	$100,000	Compare
12 Mo CD	4.80%	$250,000	Compare
24 Mo CD	4.10%	$500	Compare
24 Mo CD	4.10%	$50,000	Compare
24 Mo CD	4.15%	$100,000	Compare
24 Mo CD	4.20%	$250,000	Compare
36 Mo CD	4.00%	$500	Compare
36 Mo CD	4.00%	$50,000	Compare
36 Mo CD	4.15%	$100,000	Compare
36 Mo CD	4.10%	$250,000	Compare
48 Mo CD	3.75%	$500	Compare
48 Mo CD	3.75%	$50,000	Compare
48 Mo CD	3.80%	$100,000	Compare
48 Mo CD	3.85%	$250,000	Compare
60 Mo CD	3.75%	$500	Compare
60 Mo CD	3.75%	$50,000	Compare
60 Mo CD	3.80%	$100,000	Compare
60 Mo CD	3.85%	$250,000	Compare

MM RATES	APY	MIN
Money Market	4.00%	$0	Compare
Money Market	3.75%	$2,500	Compare
Money Market	4.00%	$10,000	Compare
Money Market	4.00%	$25,000	Compare
Money Market	3.90%	$50,000	Compare
Money Market	4.00%	$100,000	Compare
Money Market	4.00%	$250,000	Compare

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

PenFed Credit Union
NMLS ID: 401822 / Updated 2025-12-07
Equal Housing Lender

Loans Amounts from $25,000 - $500,000.

Loans Amounts from $25,000 - $500,000.
Get a HELOC from PenFed to Put Your Home Equity to Work.
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans.
Home Equity Line of Credit - Equal Housing Lender.

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2025-12-05
Equal Housing Lender

Intro APR: 6.990 %
After Intro:6.990 %

Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-10-31

Intro APR: 5.990 %
After Intro:7.250 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Pentagon Federal Credit Union
NMLS ID: 401822

0.000%

$0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees

Fixed rate is locked-in for the life of the loan
PenFed makes home ownership affordable. Federally insured by NCUA
Military service is not required for membership. Equal Housing Lender

Reliant Home Funding, Inc.
NMLS ID: 292473

5.864%

$1,868 Fees & Points $3,969 Total
0.617 Pts ($1,974)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

PenFed Credit Union
NMLS ID: 401822

6.174%

$1,919 Fees & Points $6,000 Total
0.875 Pts ($2,800)
$3,200 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Homeowners best kept secret for cash
See if a HELOAN could lower payments
Access cash without a changing your rate

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Credit Union Information

NCUA Insured	Yes / Federally Chartered
Charter Number	# 21428
Date Established	1973
Assets	$168.17 million
Loans	$102.80 million
Deposits	$157.37 million
Capital	$9.07 million

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Branches

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