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Today's rates for members

We make membership worth it by working hard for you

Home Purchase

Conforming 15-Year Fixed

5.750% Rate*

5.867% APR*

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Vehicle Loans

New Auto, 12-60 months

5.75% Rate*

5.75% APR*

Learn More

Money Market Savings

Minimum deposit required

3.92% Rate*

4.00% APY*

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Share Certificates

$500 minimum, 12 months

4.21% Rate*

4.30% APY*

Learn More
*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.

Meet members who belong with us

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LaShawn C.

Member in Texas

“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.”

Branch & ATM locations location marker

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

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Check balances

View and monitor your accounts in one place.

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Transfer funds

Transfer money between accounts seamlessly.

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Deposit checks

Skip the trip, and deposit checks from home.

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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.

Why join Spectrum Credit Union? Learn more.

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