Spectrum Federal Credit Union
Headquarters
Po Box 193919
San Francisco, CA 94119
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2024 Overview
General Credit Union Information
Spectrum is an NCUA insured institution located in San Francisco, CA. It was founded in 1973 and has approximately $168.17 millions in assets.
Who can join?
Spectrum's field of membership includes:*
Non-manual employees of Bechtel Corporation, its wholly-owned subsidiaries, and affiliated companies;
Employees of Charles Schwab & Co. Inc. who work in or are paid from San Francisco, CA;
Family of Spectrum members – parents, grandparents, children, grandchildren, spouse or domestic partner, siblings – even roommates or unrelated persons who live with you and share your household expenses;
San Francisco persons who live, work, worship, or attend school in, or business and other legal entities that are located in the Russian Hill, Telegraph Hill, North Beach, Chinatown, Financial District, Western Addition, South of Market, Potrero Hill, The Panhandle, The Mission, Bernal Heights, Bayview, Hunters Point, Portola, or Visitacion Valley neighborhoods (call to confirm eligibility);
Maryland persons who live, work, worship, or attend school in, or business and other legal entities that are located in Frederick County, Maryland, including Frederick, Thurmont, Woodsboro, Emmitsburg, and surrounding areas
*If you do not fall within the union's regular field of membership, you can join one of their partner non-profit associations to become eligible for Spectrum membership.
| 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 |
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Primary Share
|
0.75% | $25 | - |
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|
|
Money Market
|
4.00% | $0 | $2,499 |
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|
|
Money Market
|
3.75% | $2,500 | $9,999 |
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|
|
Money Market
|
4.00% | $10,000 | $24,999 |
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|
|
Money Market
|
4.00% | $25,000 | $49,999 |
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|
|
Money Market
|
3.90% | $50,000 | $99,999 |
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|
|
Money Market
|
4.00% | $100,000 | $249,999 |
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|
|
Money Market
|
4.00% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month
|
4.25% | $500 | $49,999 |
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|
| 9 Month
|
4.70% | $500 | $49,999 |
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|
| 12 Month
|
4.70% | $500 | $49,999 |
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|
| 12 Month
|
4.70% | $50,000 | $99,999 |
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|
| 12 Month
|
4.75% | $100,000 | $249,999 |
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|
| 12 Month
|
4.80% | $250,000 | - |
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|
| 24 Month
|
4.10% | $500 | $49,999 |
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|
| 24 Month
|
4.10% | $50,000 | $99,999 |
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|
| 24 Month
|
4.15% | $100,000 | $249,999 |
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|
| 24 Month
|
4.20% | $250,000 | - |
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|
| 36 Month
|
4.00% | $500 | $49,999 |
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|
| 36 Month
|
4.00% | $50,000 | $99,999 |
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|
| 36 Month
|
4.15% | $100,000 | $249,999 |
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|
| 36 Month
|
4.10% | $250,000 | - |
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|
| 48 Month
|
3.75% | $500 | $49,999 |
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|
| 48 Month
|
3.75% | $50,000 | $99,999 |
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|
| 48 Month
|
3.80% | $100,000 | $249,999 |
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|
| 48 Month
|
3.85% | $250,000 | - |
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|
| 60 Month
|
3.75% | $500 | $49,999 |
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|
| 60 Month
|
3.75% | $50,000 | $99,999 |
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|
| 60 Month
|
3.80% | $100,000 | $249,999 |
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|
| 60 Month
|
3.85% | $250,000 | - |
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|
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Spectrum
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
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More Info |
Note to Spectrum
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Spectrum branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Spectrum Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|
Climate Policy and Initiatives
SPECTRUM is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Spectrum Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Spectrum. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Spectrum | U.S. Average |
|---|---|
| 24.06% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Spectrum had $2,977,365 in non-current loans and $35,273 in owned assets. To cover these potential losses it had $9,070,061 in net worth and $3,453,196 in loans loss reserves. That gives it a Texas Ratio of 24.06%.
Net Worth
| Spectrum | U.S. Average |
|---|---|
| 5.53% | 13.93% |
Spectrum FCU has a net worth of 5.53% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Spectrum
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