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# Deposit more to earn more – up to $500!*

Through December 18, you can opt in to earn cash rewards when you bring in new deposits from outside accounts.

[Learn More](https://www.spectrumcu.org/effortless)

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# New higher rates!

We’ve raised our Certificate rates up to 4.40% APY* and MarketEdge rates up to 3.25% APY* -- start earning more today.

[See Rates](https://www.spectrumcu.org/todays-rates)

![Digital Banking Upgrade - Homepage Image - Spectrum (1) Image](https://www.spectrumcu.org/images/default-source/default-album/digital-banking-upgrade---homepage-image---spectrum-(1).jpg?sfvrsn=8b8dcd37_1)

# A Refreshed Digital Banking Experience is Here

Modern design. Easier navigation. Same trusted tools and services.

[See What’s Changed](https://www.spectrumcu.org/refresh)

![HeroImage_VideoBanking_Spectrum Image](https://www.spectrumcu.org/images/default-source/main-link-banners/heroimage_videobanking_spectrum.jpg?sfvrsn=6047f437_1)

# Get Connected Within 15 Minutes

Here when you need us – with new appointment options designed to make connecting easier than ever.

[Schedule Video Appointment](https://www.spectrumcu.org/resources/video-banking)

![HeroImage_ImpersonationScams_Spectrum Image](https://www.spectrumcu.org/images/default-source/main-link-banners/heroimage_impersonationscams_spectrum.jpg?sfvrsn=1985c837_1)

# Beware of Impersonation Scams

Protect yourself from this common fraud tactic.

[Learn More](https://www.spectrumcu.org/alerts/fraud-alert)

# 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.

# Become a member

### Why Membership?

Become an owner, join a community, and more.

[Learn More](https://www.spectrumcu.org/become-a-member/why-membership)

### Member Perks

Financial guidance, tax discounts, and more.

[Learn More](https://www.spectrumcu.org/become-a-member/member-perks/)

### Not a member? Join Spectrum Credit Union today!

We'll be your lifelong partner in achieving financial success.

[Become a Member](https://www.spectrumcu.org/become-a-member/join-now)

[Close](https://www.spectrumcu.org/#) [See more accounts](https://www.spectrumcu.org/#)

# Open an account

### Member Checking

Free checking, free ATM transactions, and more.

[Learn More](https://www.spectrumcu.org/checking-and-savings/member-checking/)

### New Solutions Checking

Rebuilding your financial health? Let us help.

[Learn More](https://www.spectrumcu.org/checking-and-savings/member-checking/)

### Member Savings

High dividends, share insurance, and more.

[Learn More](https://www.spectrumcu.org/checking-and-savings/member-savings-accounts/)

### MySavings Youth

7.00% APY and no monthly fees.

[Learn More](https://www.spectrumcu.org/checking-and-savings/mysavings-youth-account/)

[Close](https://www.spectrumcu.org/#) [See more accounts](https://www.spectrumcu.org/#)

# Borrow money

### Home Mortgages

Competitive interest rates, customizable solutions, and more.

[Learn More](https://www.spectrumcu.org/home-loans/home-mortgages)

### Auto Loans

Flexible loan terms, low rates, and more.

[Learn More](https://www.spectrumcu.org/auto-loans/auto-loans)

### Personal Loans

Personal loans, lines of credit, and more.

[Learn More](https://www.spectrumcu.org/personal-loans-credit/personal-loans/)

### Student Loans

Private student loans at an affordable rate.

[Learn More](https://www.spectrumcu.org/personal-loans-credit/student-loans)

[Close](https://www.spectrumcu.org/#) [See more accounts](https://www.spectrumcu.org/#)

### Zelle®

A fast, safe and easy way to send money.

[Learn More](https://www.spectrumcu.org/checking-and-savings/digital-banking/zelle)

### Not a member? Join Spectrum Credit Union today!

We'll be your lifelong partner in achieving financial success.

[Become a Member](https://www.spectrumcu.org/become-a-member/join-now)

[Close](https://www.spectrumcu.org/#) [See more accounts](https://www.spectrumcu.org/#)

# Take control of my money

### Member Checking

Free checking, free ATM transactions, and more.

[Learn More](https://www.spectrumcu.org/checking-and-savings/member-checking/)

### New Solutions Checking

Rebuilding your financial health? Let us help.

[Learn More](https://www.spectrumcu.org/checking-and-savings/member-checking/)

### Personal loans

Personal loans, lines of credit, and more.

[Learn More](https://www.spectrumcu.org/personal-loans-credit/personal-loans/)

[Close](https://www.spectrumcu.org/#) [See more accounts](https://www.spectrumcu.org/#)

### Refer a member

Share the benefits of membership when you refer friends and family.

[Learn More](https://www.spectrumcu.org/referamember)

### Looking for financial guidance? We've got you covered.

We offer resources and practical solutions.

[Learn More](https://www.spectrumcu.org/financial-guidance/blog)

[Close](https://www.spectrumcu.org/#) [See more accounts](https://www.spectrumcu.org/#)

# Partner with Spectrum Credit Union

### Why Membership?

Become an owner, join a community, and more.

[Learn More](https://www.spectrumcu.org/become-a-member/why-membership)

### Member Perks

Financial guidance, tax discounts, and more.

[Learn More](https://www.spectrumcu.org/become-a-member/member-perks/)

### 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](https://www.spectrumcu.org/for-employers/partner-with-us)

[Close](https://www.spectrumcu.org/#) [See more accounts](https://www.spectrumcu.org/#)

[Belonging has benefits Just some of the things that come with membership. Tax discounts Insurance benefits Travel programs Financial guidance Learn More](https://www.spectrumcu.org/become-a-member/member-perks/)

[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](https://www.spectrumcu.org/financial-guidance/blog)

- Money Market Savings 3.25% APY* On balances of $25,000+ [Learn More](https://www.spectrumcu.org/checking-and-savings/high-yield-savings-solutions)
- SHARE CERTIFICATES 4.35% APY* 12-Month; rate depends on balance [Learn More](https://www.spectrumcu.org/checking-and-savings/high-yield-savings-solutions)
- Auto Loans 5.24% APR* New Auto, 12-60 Month Term [Learn More](https://www.spectrumcu.org/auto-loans/auto-loans)
- Mortgages Rate APR* Jumbo 5/6 ARM 30-Year Variable [Learn More](https://www.spectrumcu.org/home-loans/home-mortgages)

[What Are You Saving For? Learn how to boost your savings faster and smarter with our savings plans and tools! ![Image 1](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/storycard_depositcampaign_july2025_spectrum.jpg?sfvrsn=252bca37_0) Learn More](https://www.spectrumcu.org/savingshub)

[Share Your Story Have we made you feel like a valued member – not just a number? We want your story and feedback! ![Image 2](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/testimonialsevergreen_storycard_spectrum-(1).jpg?sfvrsn=a5eff737_1) Learn More](https://www.spectrumcu.org/become-a-member/share-your-story)

[Security Central Learn about ways to stay safe online and how we keep your information secure. ![Image 3](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/storycard-cfcu-security.png?sfvrsn=d194fd37_0) Learn More](https://www.spectrumcu.org/about-us/security-central)

# Meet members who belong with us

![Image](https://www.spectrumcu.org/images/librariesprovider6/2020-annual-meeting/lawshawn.png?sfvrsn=b364f537_1)

## LaShawn C.

“As a member, I get my pay a bit earlier, and I have easy access to the branch. With Spectrum, I also have access to free notaries, car loans, personal loans, everything! I can also walk into my branch, and everyone knows me by name and often asks how my family is doing. We check in on each other.”

[Become a Member](https://www.spectrumcu.org/become-a-member/join-now)

# Branch & ATM locations ![location marker](https://www.spectrumcu.org/ResourcePackages/CFCUSpectrum/assets/dist/images/spectrum/location-gps.png)

Chevron Federal Credit Union and Spectrum Credit Union members can access their accounts at any Chevron Federal Credit Union or Spectrum Credit Union branch, 5,600+ CO-OP Shared Branches, and 85,000+ surcharge-free ATMs.

---

*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 and Share Certificate APY have deposit balance requirements to earn highest rate available.

# Download the Spectrum Credit Union Mobile App

![Image 1](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/bank_1.png?sfvrsn=a36e537_4)

#### Check balances

View and monitor your accounts in one place.

![Image 2](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/bank_2.png?sfvrsn=e36e537_4)

#### Transfer funds

Transfer money between accounts seamlessly.

![Center Image](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/spectrum_mobile.png?sfvrsn=cb34e537_2)

[![Apple Image](https://www.spectrumcu.org/images/librariesprovider7/default-album/app-store.png?sfvrsn=82c4e237_4)](https://apps.apple.com/us/app/spectrum-credit-union-mobile/id1462456631) [![Google Image](https://www.spectrumcu.org/images/librariesprovider7/default-album/google-store.png?sfvrsn=56c3e237_4)](https://play.google.com/store/apps/details?id=com.digitalinsight.cma.fiid01334)

![Image 3](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/bank_3.png?sfvrsn=1636e537_4)

#### Deposit checks

Skip the trip, and deposit checks from home.

![Image 4](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/bank_4.png?sfvrsn=1236e537_4)

#### Find nearby ATMs

Find local ATMs and branches, from anywhere.

![Banner Image](https://www.spectrumcu.org/images/librariesprovider6/spectrum-images/readytobecomemember.png?sfvrsn=469e137_2)

# 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](https://www.spectrumcu.org/become-a-member/membership-eligibility/).

[Join Spectrum Credit Union](https://www.spectrumcu.org/become-a-member/join-now/)

Why join Spectrum Credit Union? [Learn more.](https://www.spectrumcu.org/become-a-member/membership-eligibility)

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

###### About Us

- [Who We Are](https://www.spectrumcu.org/about-us/who-we-are)
- [Our Leadership Team](https://www.spectrumcu.org/about-us/our-leadership-team)
- [Financial Statements](https://www.spectrumcu.org/about-us/financial-statements)
- [Annual Report & Meeting](https://www.spectrumcu.org/about-us/annual-report-and-meeting)
- [Fraud & Security Center](https://www.spectrumcu.org/about-us/security-central)
- [Scholarship Program](https://www.spectrumcu.org/about-us/scholarship-program)
- [Careers](https://www.spectrumcu.org/about-us/work-with-us)

###### Become a Member

- [Why Membership?](https://www.spectrumcu.org/become-a-member/why-membership)
- [Member Perks](https://www.spectrumcu.org/become-a-member/member-perks)
- [Membership Eligibility](https://www.spectrumcu.org/become-a-member/membership-eligibility)
- [Our Nonprofit Partners](https://www.spectrumcu.org/become-a-member/our-nonprofit-partners)
- [Expatriate Services](https://www.spectrumcu.org/become-a-member/expatriate-services/)
- [Not a Member? Join Now!](https://www.spectrumcu.org/become-a-member/join-now)

###### Checking & Savings

- [Member Checking](https://www.spectrumcu.org/checking-and-savings/member-checking)
- [Member Savings Accounts](https://www.spectrumcu.org/checking-and-savings/member-savings-accounts)
- [Digital Banking](https://www.spectrumcu.org/checking-and-savings/digital-banking)
- [Debit Card Benefits](https://www.spectrumcu.org/checking-and-savings/debit-card-benefits)
- [Money Moving Tips](https://www.spectrumcu.org/checking-and-savings/money-moving-tips)
- [High-Yield Savings Solutions](https://www.spectrumcu.org/checking-and-savings/high-yield-savings-solutions)
- [MySavings Youth Account](https://www.spectrumcu.org/checking-and-savings/mysavings-youth-account)
- [IRAs](https://www.spectrumcu.org/checking-and-savings/iras)
- [HSAs](https://www.spectrumcu.org/checking-and-savings/hsas)
- [Share Insurance](https://www.spectrumcu.org/checking-and-savings/share-insurance)
- [Savings Hub](https://www.spectrumcu.org/checking-and-savings/savingshub)

###### Loans & Credit

- [Home Mortgages](https://www.spectrumcu.org/home-loans/home-mortgages)
- [Mortgage Refinancing](https://www.spectrumcu.org/home-loans/mortgage-refinancing)
- [Jumbo Mortgages](https://www.spectrumcu.org/home-loans/jumbo-mortgages)
- [80-10-10 Mortgages](https://www.spectrumcu.org/home-loans/80-10-10-mortgages)
- [Condo Loans](https://www.spectrumcu.org/home-loans/condo-loans)
- [Adjustable-Rate Mortgages](https://www.spectrumcu.org/home-loans/adjustable-rate-mortgages)
- [Home Equity](https://www.spectrumcu.org/home-loans/home-equity)
- [Asset-Based Home Loans](https://www.spectrumcu.org/home-loans/asset-based-home-loans)
- [Foreclosure Alternatives](https://www.spectrumcu.org/home-loans/foreclosure-alternatives)
- [Auto Loans](https://www.spectrumcu.org/auto-loans/auto-loans)
- [Motorcycle Loans](https://www.spectrumcu.org/auto-loans/motorcycle-loans)
- [RV & Boat Loans](https://www.spectrumcu.org/auto-loans/rv-boat-loans)
- [Auto Extras](https://www.spectrumcu.org/auto-loans/auto-extras)
- [Personal Loans](https://www.spectrumcu.org/personal-loans-credit/personal-loans)
- [Personal Line of Credit](https://spectrumcu.org/personal-loans-credit/personal-line-of-credit)
- [Secured Loans](https://www.spectrumcu.org/personal-loans-credit/secured-loans)
- [Credit Cards](https://www.spectrumcu.org/personal-loans-credit/credit-cards)
- [Express Pay](https://www.spectrumcu.org/express-pay-loan-payments)

###### Resources

- [Log In to Online Banking](https://onlinebanking.spectrumcu.org/)
- [ATM & Branch Finder](https://www.spectrumcu.org/resources/atm-branch-finder/)
- [Shared Branching](https://www.spectrumcu.org/resources/shared-branching)
- [Branch Information](https://www.spectrumcu.org/resources/all-locations)
- [Video Banking](https://www.spectrumcu.org/resources/video-banking)
- [Frequently Asked Questions](https://www.spectrumcu.org/resources/faqs)
- [Blog](https://www.spectrumcu.org/financial-guidance/blog?sortBy=Date)
- [Estate Settlement](https://www.spectrumcu.org/resources/estate-settlement)
- [Online Forms](https://www.spectrumcu.org/resources/forms)
- [Contact Us](https://www.spectrumcu.org/resources/contact-us)

###### Download our App

- [Apple App Store](https://apps.apple.com/us/app/spectrum-credit-union-mobile/id1462456631)
- [Google Play Store](https://play.google.com/store/apps/details?id=com.digitalinsight.cma.fiid01334)

###### CONTACT US

- 800-782-8782
- Routing #321075866
- [Facebook](https://www.facebook.com/SpectrumCU)
- [LinkedIn](https://www.linkedin.com/company/spectrumcu)
- [YouTube](https://www.youtube.com/channel/UCLORG6-WEERlkruA6w1EDmg)
- [Instagram](https://www.instagram.com/spectrumcreditunion/)

- [Privacy Notice](https://www.spectrumcu.org/privacy)
- [CCPA Privacy Policy Notice](https://www.chevronfcu.org/docs/librariesprovider6/pdfs/ccpanotice_spectrum.pdf)
- [Consumer Privacy Request (CCPA/CPRA)](https://privacyportal.onetrust.com/webform/a0a11ed3-a053-4d3c-b822-93130baf96c6/06f60735-ae93-48a6-a722-ab51919f42a4)
- [Online Privacy Policy](https://spectrumcu.org/online-privacy-policy)
- [CCPA Notice At Collection](https://www.chevronfcu.org/docs/librariesprovider6/pdfs/spectrum_ccpa_noticeatcollection.pdf)
- [Accessibility](https://www.spectrumcu.org/resources/web-accessibility-statement)
- [Fraud & Security Center](https://www.spectrumcu.org/about-us/security-central)

###### 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](tel: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

© 2026 Spectrum Credit Union

You are now leaving Spectrum Credit Union’s website and visiting a website operated by one of our trusted partners.

Please note that Spectrum Credit Union is not responsible for the content or availability of linked sites and does not represent either the third party or you, the member, if you enter into a transaction. The privacy and security policies of the linked site may differ from those practiced by the Credit Union.

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