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* About Us
* Contact Us
* Locations
* Rates
* Become a Member
Become a Member
* Why Membership?
* Member Perks
* Membership Eligibility
* Our Nonprofit Partners
* Expatriate Services
* Not a Member? Join Now!
* Refer a Member
BECOME A MEMBER
Enjoy personalized service from people who know you and work hard for you.
We’ll be your lifelong partner in reaching financial success.
Apply for Membership
* Financial Guidance
Financial Guidance
* Life Stages
* Blog
* Media Library
* Webinars
* Financial Calculators
* Checking & Savings
Checking & Savings
* Member Checking
* Member Savings Accounts
* Digital Banking
* Debit Card Benefits
* Money Moving Tips
* High-Yield Savings Solutions
* MySavings Youth Account
* IRAs
* HSAs
* Share Insurance
* Savings Hub
OPEN A CHECKING ACCOUNT
When you belong with Spectrum Credit Union, you get free Member Checking with
no minimum balance and no monthly fees.
Open a Checking Account
OPEN A SAVINGS ACCOUNT
Enjoy highly competitive dividends, compounded daily and deposited into your
account monthly.
Open a Savings Account
* Home Loans
Home Loans
* Home Mortgages
* Mortgage Refinancing
* Expatriate Services
* Home Equity
* Foreclosure Alternatives
* Express Pay
APPLY FOR A MORTGAGE
As a Spectrum Credit Union member, you’ll enjoy some of the best mortgage
financing options out there.
Learn More & Apply
TODAY'S RATES
See our low rates.
Check Rates
* Auto Loans
Auto Loans
* Auto Loans
* Motorcycle Loans
* RV & Boat Loans
* Auto Extras
* Express Pay
APPLY FOR AN AUTO LOAN
Enjoy competitive rates and flexible terms on loans for new and used autos.
Learn More & Apply
* Personal Loans & Credit
Personal Loans & Credit
* Personal Loans
* Personal Line of Credit
* Secured Loans
* Credit Cards
* Express Pay
APPLY FOR A PERSONAL LOAN
Make your money go further with a personal loan or a personal line of credit.
Learn More & Apply
LOG IN TO YOUR ACCOUNT
Already have a credit card with us? Log in to your account here.
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* For Employers
For Employers
* Partner With Us
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PUSH START ON SUMMER FUN
Apply for an auto loan by September 13, and we'll lock your rate for 60 days
while you shop.¹
Learn More
THE WALL STREET JOURNAL'S BEST SAVINGS ACCOUNT FOR TEENS!
Young savers can earn 7.00% APY on balances up to $1,000 with a MySavings
account.
Learn More
GROW YOUR SAVINGS FOR TODAY AND TOMORROW!
Certificates as high as 5.00% APY² & MarketEdge Money Market Savings as high as
4.00% APY¹
Learn More
PUSH START ON SUMMER FUN
Apply for an auto loan by September 13, and we'll lock your rate for 60 days
while you shop.¹
Learn More
THE WALL STREET JOURNAL'S BEST SAVINGS ACCOUNT FOR TEENS!
Young savers can earn 7.00% APY on balances up to $1,000 with a MySavings
account.
Learn More
GROW YOUR SAVINGS FOR TODAY AND TOMORROW!
Certificates as high as 5.00% APY² & MarketEdge Money Market Savings as high as
4.00% APY¹
Learn More
PUSH START ON SUMMER FUN
Apply for an auto loan by September 13, and we'll lock your rate for 60 days
while you shop.¹
Learn More
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I WANT TO...
* BECOME A MEMBER
We'll be your lifelong partner in achieving financial success.
* OPEN AN ACCOUNT
We offer free checking and more ways to save.
* BORROW MONEY
We work hard to offer you good rates, always.
* TRANSFER MONEY
Send and Receive Money with Zelle®
* TAKE CONTROL OF MY MONEY
You’ll get straight talk and real solutions here.
* REFER A MEMBER
Share the benefits of membership when you refer friends and family.
* PARTNER WITH SPECTRUM CREDIT UNION
We design tailored solutions to fit your needs.
WHY MEMBERSHIP?
Become an owner, join a community, and more.
Learn More
MEMBER PERKS
Financial guidance, tax discounts, and more.
Learn More
NOT A MEMBER? JOIN SPECTRUM CREDIT UNION TODAY!
We'll be your lifelong partner in achieving financial success.
Become a Member
×
BECOME A MEMBER
WHY MEMBERSHIP?
Become an owner, join a community, and more.
Learn More
MEMBER PERKS
Financial guidance, tax discounts, and more.
Learn More
NOT A MEMBER? JOIN SPECTRUM CREDIT UNION TODAY!
We'll be your lifelong partner in achieving financial success.
Become a Member
Close See more accounts
MEMBER CHECKING
Free checking, free ATM transactions, and more.
Learn More
NEW SOLUTIONS CHECKING
Rebuilding your financial health? Let us help.
Learn More
MEMBER SAVINGS
High dividends, share insurance, and more.
Learn More
MYSAVINGS YOUTH
7.00% APY and no monthly fees.
Learn More
×
OPEN AN ACCOUNT
MEMBER CHECKING
Free checking, free ATM transactions, and more.
Learn More
NEW SOLUTIONS CHECKING
Rebuilding your financial health? Let us help.
Learn More
MEMBER SAVINGS
High dividends, share insurance, and more.
Learn More
MYSAVINGS YOUTH
7.00% APY and no monthly fees.
Learn More
Close See more accounts
HOME MORTGAGES
Competitive interest rates, customizable solutions, and more.
Learn More
AUTO LOANS
Flexible loan terms, low rates, and more.
Learn More
PERSONAL LOANS
Personal loans, lines of credit, and more.
Learn More
STUDENT LOANS
Private student loans at an affordable rate.
Learn More
×
BORROW MONEY
HOME MORTGAGES
Competitive interest rates, customizable solutions, and more.
Learn More
AUTO LOANS
Flexible loan terms, low rates, and more.
Learn More
PERSONAL LOANS
Personal loans, lines of credit, and more.
Learn More
STUDENT LOANS
Private student loans at an affordable rate.
Learn More
Close See more accounts
ZELLE®
A fast, safe and easy way to send money.
Learn More
NOT A MEMBER? JOIN SPECTRUM CREDIT UNION TODAY!
We'll be your lifelong partner in achieving financial success.
Become a Member
×
ZELLE®
A fast, safe and easy way to send money.
Learn More
NOT A MEMBER? JOIN SPECTRUM CREDIT UNION TODAY!
We'll be your lifelong partner in achieving financial success.
Become a Member
Close See more accounts
MEMBER CHECKING
Free checking, free ATM transactions, and more.
Learn More
NEW SOLUTIONS CHECKING
Rebuilding your financial health? Let us help.
Learn More
PERSONAL LOANS
Personal loans, lines of credit, and more.
Learn More
×
TAKE CONTROL OF MY MONEY
MEMBER CHECKING
Free checking, free ATM transactions, and more.
Learn More
NEW SOLUTIONS CHECKING
Rebuilding your financial health? Let us help.
Learn More
PERSONAL LOANS
Personal loans, lines of credit, and more.
Learn More
Close See more accounts
REFER A MEMBER
Share the benefits of membership when you refer friends and family.
Learn More
LOOKING FOR FINANCIAL GUIDANCE? WE'VE GOT YOU COVERED.
We offer resources and practical solutions.
Learn More
×
REFER A MEMBER
Share the benefits of membership when you refer friends and family.
Learn More
LOOKING FOR FINANCIAL GUIDANCE? WE'VE GOT YOU COVERED.
We offer resources and practical solutions.
Learn More
Close See more accounts
WHY MEMBERSHIP?
Become an owner, join a community, and more.
Learn More
MEMBER PERKS
Financial guidance, tax discounts, and more.
Learn More
YOU'RE MORE THAN A PARTNER — YOU’RE FAMILY.
We take the time to understand the ins and outs of your organization, and we
design tailored solutions according to your needs.
Partner With Us
×
PARTNER WITH SPECTRUM CREDIT UNION
WHY MEMBERSHIP?
Become an owner, join a community, and more.
Learn More
MEMBER PERKS
Financial guidance, tax discounts, and more.
Learn More
YOU'RE MORE THAN A PARTNER — YOU’RE FAMILY.
We take the time to understand the ins and outs of your organization, and we
design tailored solutions according to your needs.
Partner With Us
Close See more accounts
BELONGING HAS BENEFITS
Just some of the things that come with membership.
* Tax discounts
* Insurance benefits
* Travel programs
* Financial guidance
Learn More
SMARTER MONEY
Articles and advice designed with you in mind.
* Debt management
* Workshops and webinars
* Online tools
* Financial tips for every stage of life
Learn More
TODAY'S RATES FOR MEMBERS
We make membership worth it by working hard for you
HOME PURCHASE
CONFORMING 15-YEAR FIXED
5.750% Rate*
5.900% APR*
Learn More
VEHICLE LOANS
NEW AUTO, 12-60 MONTHS
5.99% Rate*
5.99% APR*
Learn More
MONEY MARKET SAVINGS
MINIMUM DEPOSIT REQUIRED
3.92% Rate*
4.00% APY*
Learn More
SHARE CERTIFICATES
$500 MINIMUM, 12 MONTHS
4.69% Rate*
4.80% APY*
Learn More
Join Spectrum Credit Union
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Annual Percentage
Rates shown are "as low as.” All rates are subject to change without notice.
Money Market Savings APY displayed is for highest deposit tier.
WHAT ARE YOU SAVING FOR?
Learn how to boost your savings faster and smarter with our savings plans and
tools!
Get Started
SHARE YOUR STORY
Have we made you feel like a valued member – not just a number? We want your
story and feedback!
Learn More
COLLEGE PLANNING RESOURCES
Start on the right financial foot with our college planning resources for
students and parents.
Learn More
--------------------------------------------------------------------------------
MEET MEMBERS WHO BELONG WITH US
LUIS R.
Texas
“The staff was friendly and made me feel welcomed. I had so many questions going
into the loan. They helped me get a personal loan to meet my needs and purchase
a vehicle. Then, they helped me turn that into an auto loan with a lower
interest rate. Something that I thought would be impossible to accomplish, the
staff at Spectrum Credit Union made it possible. I will keep going to them for
any loan or financial service I may need.”
MARIA R.
California
“Service was excellent, especially from Michael S. My loan process went smooth
and the rates I received — I couldn’t be happier. Thank you, Spectrum Credit
Union!”
Become a Member
BRANCH & ATM LOCATIONS
Chevron Federal Credit Union and Spectrum Credit Union members can access their
accounts at any Chevron Federal Credit Union or Spectrum Credit Union branch,
5,000+ CO-OP Shared Branches, and 85,000+ surcharge-free ATMs.
--------------------------------------------------------------------------------
*Referral offer is limited to existing members in good standing only. Limited
time offer. Promotion may end at any time without notice. $25 will be credited
to the current member’s Savings account as a dividend once the referral
successfully opens and funds their new membership. Other restrictions may apply.
Promo Code 412
DOWNLOAD THE SPECTRUM CREDIT UNION MOBILE APP
CHECK BALANCES
View and monitor your accounts in one place.
TRANSFER FUNDS
Transfer money between accounts seamlessly.
DEPOSIT CHECKS
Skip the trip, and deposit checks from home.
FIND NEARBY ATMS
Find local ATMs and branches, from anywhere.
READY TO BECOME A MEMBER? LET’S GET STARTED.
If you’re eligible for membership, we’re ready to hear from you. Not sure if
you’re eligible? You can check if you qualify here.
Join Spectrum Credit Union
Why join Spectrum Credit Union? Learn more.
FROM EVERYDAY FINANCE TO LIFE’S BIG MONEY MOMENTS, IT’S BETTER WHEN YOU BELONG.
Find a Branch Join Spectrum
ABOUT US
* Who We Are
* Our Leadership Team
* Financial Statements
* Annual Report & Meeting
* Security Central
* Scholarship Program
* Work With Us
BECOME A MEMBER
* Why Membership?
* Member Perks
* Membership Eligibility
* Our Nonprofit Partners
* Expatriate Services
* Not a Member? Join Now!
CHECKING & SAVINGS
* Member Checking
* Member Savings Accounts
* Digital Banking
* Debit Card Benefits
* Money Moving Tips
* High-Yield Savings Solutions
* MySavings Youth Account
* IRAs
* HSAs
* Share Insurance
* Savings Hub
LOANS & CREDIT
* Home Mortgages
* Mortgage Refinancing
* Jumbo Mortgages
* 80-10-10 Mortgages
* Condo Loans
* Adjustable-Rate Mortgages
* Home Equity
* Asset-Based Home Loans
* Foreclosure Alternatives
* Auto Loans
* Motorcycle Loans
* RV & Boat Loans
* Auto Extras
* Personal Loans
* Personal Line of Credit
* Secured Loans
* Credit Cards
* Express Pay
RESOURCES
* ATM & Branch Finder
* Shared Branching
* Branch Information
* Blog
* Log In to Online Banking
* Online Forms
* Frequently Asked Questions
* Contact Us
DOWNLOAD OUR APP
* Apple App Store
* Google Play Store
CONTACT US
* 800-782-8782
* Routing #321075866
* Facebook
* Twitter
* LinkedIn
* YouTube
* Instagram
* Privacy Notice
* CCPA Privacy Policy Notice
* Consumer Privacy Request (CCPA/CPRA)
* Online Privacy Policy
* CCPA Notice At Collection
* Notice at Collection - Employment
* Accessibility
* Security
* Privacy Notice
* CCPA Privacy Policy Notice
* Consumer Privacy Request (CCPA/CPRA)
* Online Privacy Policy
* CCPA Notice At Collection
* Notice at Collection - Employment
* Accessibility
* Security
EQUAL HOUSING LENDER
We do business in accordance with the Federal Fair Housing Law and the Equal
Credit Opportunity Act.
NCUA
Your savings are federally insured to at least $250,000 and backed by the full
faith and credit of the United States Government.
Chevron Federal Credit Union also does business as Spectrum Credit Union and is
covered under the Chevron Federal Credit Union NCUA insurance coverage.
ROUTING NUMBER
#321075866
PHONE NUMBER
800-782-8782
SHIPPING ADDRESS
Spectrum Credit Union, 2300 Clayton Road, Suite 700, Concord, CA 94520
MAILING ADDRESS
Spectrum Credit Union, P.O. Box 4107, Concord, CA 94524
© 2024 Spectrum Credit Union
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