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Spectrum Federal Credit Union Checking Account

in Checking Accounts

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Spectrum Federal Credit Union Checking Account

Unaffiliated

in Checking Accounts

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Highlights
Highlights
Monthly Fee Up to $5
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee $0
APY Up to 0.15%

Overview

Where does Spectrum Federal Credit Union Checking Account do business?

Spectrum Federal Credit Union Checking Account is a credit union based in Oakland, CA. It was founded in 1973 and offers checking accounts services in 7 states across the USA.

Spectrum Federal Credit Union Checking Account is not a member of the Federal Deposit Insurance Corporation (FDIC). This means your deposits are not covered by the FDIC if Spectrum Federal Credit Union Checking Account were to fall into financial difficulties.

What APY does Spectrum Federal Credit Union offer?

Spectrum Federal Credit Union Checking Account Rates and Terms
Rates Amount

Spectrum Federal Credit Union Checking Account offers an APY and ranging up to 0.15% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Spectrum Federal Credit Union Checking Account?

Spectrum Federal Credit Union Checking Account does not have a minimum initial deposit to open an account.
Spectrum Federal Credit Union Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $25

What features and perks does Spectrum Federal Credit Union Checking Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Spectrum Federal Credit Union Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

What fees does Spectrum Federal Credit Union Checking Account charge?

This account charges a monthly maintenance fee of up to $5.

Spectrum Federal Credit Union Checking Account Fees
Fees Amount
ATM Out-Of-Network Fee $1
Debit Card Replacement Fee $10
Early Account Closure $20
Non-Sufficient Funds $25
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $25
Returned Deposit Fee (International) $20
Outgoing Domestic Bank Transfer Fee $20
Outgoing International Bank Transfer Fee $30
Early Closure Fee $20
Paper Statement Fee $5

What features and perks does Spectrum Federal Credit Union Checking Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Spectrum Federal Credit Union Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.
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Contact

  • Headquarters
  •   500 12th Street, Suite 200
    Oakland, CA 94607 USA
  •   Visit Site

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 7 states
  • California
  • Louisiana
  • Maryland
  • Mississippi
  • Texas
  • Utah
  • Virginia

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