Mailing Address:

Spectrum Credit Union
P.O. Box 2069
Oakland, CA 94604-2069

 Shipping Address: 

Spectrum Credit Union
500 12th Street, Suite 200
Oakland, CA 94607

How to Reach Us

Email (general inquiries only):*

Spectrum Email Form

Email (general real estate inquiries only):* Spectrum Real Estate Form

Real Estate:


Routing Number:


Call Center Phone Numbers (24-hour service): 800-782-8782
Online Banking Department 800-782-8782, ext. 2009
Secure Fax Number: 415-522-5160
To report a lost or stolen ATM/Debit card: 800-782-8782, Select option 2
To report a lost or stolen ATM/Debit card (while outside U.S.): 212-444-0986
To activate/assign a PIN to a new ATM/Debit Card or to change an existing PIN: 800-300-3062
To report a lost or stolen VISA HELOC Credit Card: 800-234-5354

*If you are a Spectrum Credit Union member and need to send or receive sensitive account information, please log in to PC Access and click on "Secure Email" to transmit your message via Secure Email.