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When you join a credit union, you become a valued member of a community. With individualized service from people who know you, credit union membership is more than just putting your money somewhere — it’s gaining lifelong partnership and guidance towards financial success.

As a member of Spectrum Credit Union, you belong.

Become an owner

Depositing money into a credit union savings account gains you both membership and ownership. While other financial institutions pay profits to outside stockholders, credit unions return their net earnings to their own member-owners through high dividends (interest) on savings and low rates on loans. This is what sets credit unions apart, and it has been an integral part of their foundation for hundreds of years.

Plus, at Spectrum Credit Union, policy and decisions are made by fellow member-owners. Our representative Board of Directors sets policy, while our Supervisory Committee provides oversight and guidance to Spectrum Credit Union’s professional staff and operations. Because the voluntary board members and the voluntary internal committee members are member-owners just like you, they have a personal interest in the Credit Union’s success.

Join a community

Credit unions are cooperative organizations with a fundamental belief in people helping people. They began in 19th century Europe in order to protest a common practice of wealthy individuals lending money to those with less wealth at high interest rates. People with less wealth started to pool their money and lend it to one another at more reasonable rates. 

This belief in people helping people is at the core of who we are — then and now. 

This is why we are proud to offer a range of benefits and services that go above and beyond what is offered by other financial institutions, at reasonable rates. Some of these benefits include lower loan rates, higher dividends, and low or no fees for products and services.

Get personalized and convenient service

As a member of a credit union, you enjoy service that’s tailored to your personal circumstances. More than just another face in the crowd, you are appreciated as a unique individual within a supportive community. You belong. Visit Spectrum Credit Union branches for welcoming in-person service, and enjoy the same friendly in-person service at Chevron Federal Credit Union, our parent company. In addition to our own ATMs, you can use 85,000 ATMs surcharge free, across four major ATM networks. 

We’re part of the CO-OP Shared Branch network, which means that you can conduct transactions at thousands of credit unions across the country. Collectively, the CO-OP network has more branches than any of the major large banks. So that sense of community is bigger than you might think, as is the banking convenience it offers.

No matter how you choose to connect with us, we’re here and ready to help.

Count on strong federal share insurance

The shares in your Spectrum Credit Union accounts are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA), to at least $250,000 per individual depositor, per account category. So you never have to wonder if your money is safe.

If you’re familiar with having a bank account, this is similar to the insurance offered by the Federal Deposit Insurance Corporation. The NCUSIF is backed by the full faith and credit of the United States. 

All credit unions insured by the NCUSIF, including Spectrum Credit Union, must display the official NCUA insurance sign in their physical locations — a friendly reminder that your money is protected. Learn more about Spectrum Credit Union’s federal share insurance. 

What our members are saying


Luis R.


“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.


“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!”

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.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.