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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 22, 2025

SAVINGS RATES APY MIN
SAV
0.75% $25 Compare
CD RATES APY MIN
6 Mo CD
3.80% $500 Compare
9 Mo CD
4.00% $500 Compare
12 Mo CD
3.90% $500 Compare
12 Mo CD
3.90% $50,000 Compare
12 Mo CD
3.90% $100,000 Compare
12 Mo CD
3.90% $250,000 Compare
24 Mo CD
3.50% $500 Compare
24 Mo CD
3.50% $50,000 Compare
24 Mo CD
3.60% $100,000 Compare
24 Mo CD
3.60% $250,000 Compare
36 Mo CD
3.50% $500 Compare
36 Mo CD
3.50% $50,000 Compare
36 Mo CD
3.60% $100,000 Compare
36 Mo CD
3.60% $250,000 Compare
48 Mo CD
3.50% $500 Compare
48 Mo CD
3.50% $50,000 Compare
48 Mo CD
3.60% $100,000 Compare
48 Mo CD
3.60% $250,000 Compare
60 Mo CD
3.50% $500 Compare
60 Mo CD
3.50% $50,000 Compare
60 Mo CD
3.60% $100,000 Compare
60 Mo CD
3.60% $250,000 Compare
MM RATES APY MIN
Money Market
0.75% $0 Compare
Money Market
3.10% $2,500 Compare
Money Market
3.10% $10,000 Compare
Money Market
3.20% $25,000 Compare
Money Market
3.20% $50,000 Compare
Money Market
3.20% $100,000 Compare
Money Market
3.20% $250,000 Compare




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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Your current location is: New York City, NY

Spectrum Federal Credit Union Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    SPECTRUM
    Credit Union
    -
    $50,000
    N.A.
    0.75%
    3.32x (National Avg. - 0.23%)
    $25
    -
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.59x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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