Spectra Credit Union Savings & Money Market Rates

How Spectra Credit Union’s savings rates compare

Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Spectra Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Spectra Credit Union
0.75%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$75
Money Market
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates

Compare savings rates near you →

Savings score

Higher than 56% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.75%
$100,000 balance$100,0001.25%
QualifiedQualified0.75%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Spectra Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market

Up to 0.75%APY

Membership eligibility required. Dividends are compounded daily and credited monthly. Fees may reduce earnings. Rates are variable and subject to change.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceApplies to balances under $2,500. Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily and credited monthly.	0.00%	$0	Applies to balances under $2,500. Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily and credited monthly.
$2,500 – $50,000Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily and credited monthly.	0.75%	$75	Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily and credited monthly.
$50,000 – $100,000Dividends are compounded daily and credited monthly.	1.00%	—	Dividends are compounded daily and credited monthly.
$100,000 – $250,000Dividends are compounded daily and credited monthly.	1.25%	—	Dividends are compounded daily and credited monthly.
$250,000 and upDividends are compounded daily and credited monthly. Balances greater than $250,000 receive up to $250,000 in additional coverage through Excess Share Insurance Corporation at no cost.	1.40%	—	Dividends are compounded daily and credited monthly. Balances greater than $250,000 receive up to $250,000 in additional coverage through Excess Share Insurance Corporation at no cost.

Sources (1)

spectracu.com/products/free-checking · captured Sep 19, 2026

Basic Savings

0.05%APY$5 to open

Establishes credit union membership. Minimum balance to earn stated dividends is $5.00. Dividends compound and credit monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum balance to earn dividends is $5.00.$5 and up	0.05%	$5	Minimum balance to earn dividends is $5.00.

Sources (1)

spectracu.com/products/basic-savings · captured Sep 19, 2026

Special-purpose accounts

Brilliant Kids Savings

0.05%APYKids and teens$5 to open

Available to children under the age of 18; requires an adult joint owner who must open and maintain a separate membership share. Limit one account per child. No monthly fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Applies to the first $1,000.	10.38%	—	Applies to the first $1,000.
$1,000 and upAmounts over $1,000 accrue dividends at the regular share savings account rate.	0.05%	$5	Amounts over $1,000 accrue dividends at the regular share savings account rate.

Sources (2)

All captured Sep 19, 2026

Coverdell ESA

0.25%APYIRA

Education savings account. Must meet Internal Revenue Code eligibility requirements. Annual contribution limit up to $2,000 per year in child's name; income restrictions apply. Minimum balance to earn stated dividends is $0.00. Dividends compound and credit monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMust meet Internal Revenue Code eligibility requirements. Annual contribution limit up to $2,000. Minimum balance to earn stated dividends is $0.00.Any balance	0.25%	$25	Must meet Internal Revenue Code eligibility requirements. Annual contribution limit up to $2,000. Minimum balance to earn stated dividends is $0.00.

Sources (1)

spectracu.com/products/basic-savings · captured Sep 19, 2026

Roth / Traditional IRA Share

0.25%APYIRA

Must meet Internal Revenue Code eligibility requirements. Minimum balance to earn stated dividends is $0.00. Dividends compound and credit monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMust meet Internal Revenue Code eligibility requirements. Minimum balance to earn stated dividends is $0.00.Any balance	0.25%	$25	Must meet Internal Revenue Code eligibility requirements. Minimum balance to earn stated dividends is $0.00.