Gold, Silver, Platinum and Premier Indexed Money Market Accounts Financial success doesn't come by surprise. Achieving your personal goals requires careful planning. As you enter new stages in life, take the time to secure your own future and your family's financial future with a Spectrum Gold, Silver, Platinum or Premier Indexed Money Market Account. Spectrum's Money Market Accounts are investment accounts that offer competitive dividend rates and liquidity! A Spectrum Gold, Silver, Platinum and Premier Indexed Money Market Account offers: No Monthly Maintenance Fee Low Minimum Withdrawal Amount: $500 3 Free Withdrawals per month (above three and you may be charged a withdrawal fee) Checks available upon request, so you can withdraw your funds whenever you wish. Remember, that like all deposit products at Spectrum, your Spectrum Money Market Account is insured up to $100,000 by the National Credit Union Share Insurance Fund (NCUSIF) an agency of the U.S. Government. Additional Share Insurance deposit coverage up to $250,000 on all credit union deposit accounts currently being insured by the NCUA is covered by American Share Insurance (ASI). This brings your insured total to $350,000! Additionally, you can use your Spectrum Money Market Account(s) as overdraft protection (limited by regulation to 6 preauthorized withdrawals per month). NOTE: Preauthorized withdrawals are defined as withdrawals due to overdraft protection, ACH/automated authorized withdrawals, and telephone transfers. No more than 3 of these 6 may be made by check or similar order payable to third party. Gold Money Market Account The more you deposit into your Gold Money Market Account, the greater your return! But you must keep a minimum of $2,500 in your account to earn dividends. Spectrum Money Market Account Annual Percentage Yields (calculated daily , declared and paid monthly.) are according to the following tiered structure: $.01 - $2,499 (no dividends are paid for any day the balance falls below $2,500), $2,500 - $9,999, $10,000 - $49,999, $50,000 - $99,999, $100,000 and over. Silver, Platinum and Premier Indexed Money Market Accounts For members who want to invest higher deposit amounts to maximize their dividend earnings, yet maintain liquidity, a Silver Money Market Account or Platinum Money Market Account may be opened. The Silver Money Market Account has a minimum of $10,000 to open and earn dividends. The Platinum Money Market Account has a minimum of $50,000 to open and earn dividends. The Premier Indexed Money Market Account has a minimum balance of $100,000. Dividends for this account are based on the 1-year average of the 3-month Treasury Bill. If you are interested in further information, please go to our Rates page elsewhere on this site or contact our office.