Spectrum Select Money Market, Certificates of Deposit and Retirement rates require a Spectrum Select or Wealth Management Checking. CD rates are available for new money. To earn Certificate of Deposit rates on existing funds, a Spectrum Select relationship is required. Spectrum select Checking requires a minimum average balance of $10,000 in related checking, savings and money market accounts. A $20 monthly fee will be charged to the Spectrum Select Checking Account if this balance is not maintained. Spectrum Wealth Management Checking requires a Wealth Management relationship.

Checking and Money Market are variable-rate accounts. The rate may change after the account is opened.

Certificates of deposit may be subject to a penalty for early withdrawal.

Fees may reduce earnings.

*Minimum to earn Annual Percentage Yield (APY).

**Maximum opening deposit on Spectrum Express CDs is $250,000 for individual accounts and $500,000 for joint accounts.

***Spectrum Direct Checking required direct deposit to the account.

For further details, please contact us at 888-409-5100 or via e-mail at Customer Service Center.

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