Welcome Spectrum FCU Charter Members! In order to be a Spectrum FCU Charter Member, you need to have joined Spectrum in 1973 or 1974.

Benefits

The following is a list of benefits of being a Spectrum FCU Charter Member. If you have any questions about these benefits and you joined Spectrum FCU in 1973 or 1974, please contact us.

• Free personal checks*
• Unlimited free ATM Point-of-Sale withdrawals
• No monthly service fee for PAL BillPay function
• No monthly service fee for checking
• Waive the automatic overdraft fee. This is the fee for transferring funds from their share or line-of-credit accounts to cover a check written from an account with insufficient funds
• 100 basis point discount on all consumer loans (consumer loans do not include mortgages, lines-of-credit, or credit cards; 100 basis points equals 1%)
• 0.25 basis point dividend bonus on Spectrum FCU Certificates and IRAs

*Limited to basic design only - one box per year