*Offer is limited to members age 18+ who are members in good standing (no active collections, fraud, or charge-offs, etc.) as of August 31, 2025. To be eligible, member must opt in to participate in the promotion by clicking the email link or contacting a branch or Call Center representative between September 23, 2025, and December 31, 2025. All of the member’s eligible memberships will be opted in. Each eligible membership will be tracked separately for the purposes of the promotional payout. Eligible memberships include those for which the member is an authorized signer. 

 The month-end balance of all deposit accounts within an opted-in membership will be noted from end-of-day October 31, 2025, November 30, 2025, December 31, 2025, and January 31, 2026. The average of those month-end balances will then be compared to the membership’s balance as of end-of-day August 31, 2025. Only new money will be considered in calculating the increase. New money is defined as funds deposited from sources outside of Spectrum Credit Union or Chevron Federal Credit Union.  

An increase of $10,000 – $24,999.99 will earn a bonus of $100; increase of $25,000 – $49,999.99 will earn a bonus of $150; increase of $50,000 – $99,999.99 will earn a bonus of $250; and increase of $100,000+ will earn a bonus of $500. Promotional funds will be credited to the opted-in membership’s Primary Share account as a bonus no later than March 31, 2026. Taxes due on incentives are the sole responsibility of the recipient. Spectrum Credit Union will report to the appropriate state and federal agencies as required by applicable law. Other restrictions may apply.