In alignment with Ochsner's benefits philosophy, we are pleased to provide you with banking solutions designed to support your financial health and help you Live $mart.
As a not-for-profit and member-owned financial institution, we always invest in you.
You're dedicated to caring for your community when they need you most – providing both healthcare and peace of mind. At Spectrum Credit Union, we believe you deserve that same dedicated care when it comes to your finances. As an Ochsner employee or family member, you’ll experience personalized, trustworthy service from people who are committed to doing what’s right for you and your financial well-being. Joining Spectrum Credit Union isn’t just about where you bank – it’s about building a lifelong financial partnership. We’re here to support your goals with exceptional rates on savings and loan products, tailored solutions to fit your needs, and a commitment to helping you achieve lasting financial success.

Our Parent Company

Spectrum Credit Union merged with Chevron Federal Credit Union in 2012, allowing us to jointly serve more members in delivering high quality financial services and customer service.
As a Spectrum Credit Union member, you can conduct transactions at either Spectrum Credit Union or Chevron Federal Credit Union branches.
Why Ochsner employees are joining Spectrum Credit Union
Trust
- Members have trusted us with their financial needs since 1935
- Strong member satisfaction scores year after year
Personalized Service
- Dedicated staff that develop a personal rapport with members and go above and beyond to meet their needs
Guidance
- Online financial education to help navigate each life stage
- Comprehensive personal finance webinars and on-site workshops
“…try the Spectrum experience. You will never go back to commercial banking.”
- Charlie C.
Ways Spectrum goes above and beyond for you
Checking & Savings
- Free checking with no minimum balance
- High-yield Money Market Savings accounts and Certificates
- 7.00% APY MySavingsSM Youth Account1
- Deposits are federally insured by the NCUA2
Service & Convenience
- 19 Credit Union branches, with access to 5,600+ Shared Branch network
- 24/7 member service via phone
- Virtual banking from anywhere, including our highly-rated Mobile Banking app
- Video Banking appointments on your schedule
- 85,000+ surcharge-free network ATMs
Home Loans
- Leading Home Loan rates with low fees
- Streamlined refinance process
- Low closing and processing fees
- 3% down First-Time Homebuyer Program3
- Home Equity Line of Credit with easy-to-use debit card
Consumer Loans
- Competitive new and used Auto, Motorcycle, RV, and Watercraft Loans
- Low-rate Personal Loans and Lines of Credit
- Quick and easy application - apply online in minutes
- Variety of Credit Card options
Our robust suite of products and services has been heralded for:


What Spectrum Credit Union members are saying

Charlie C.
"I have been banking with Spectrum for over 25 years. I have had three mortgages with them, and I don’t even know how many car loans. Initially I would go to banks to compare rates finally coming to understand that because Spectrum is member owned, no bank can provide as low a rate on loans.
While that is all important, how I have been treated only adds to my belief in Spectrum. Not just at the branch office but also over the phone with their main office I have always been treated as an important customer. Timely responses, and any concerns always addressed promptly.
At our branch office here in Houston, we are all on a first name basis. I bring my grandchildren in to bank for themselves and now they are part of the Spectrum family too. If they had accounts for dogs and cats, they would be members as well.
I highly recommend you try the Spectrum experience. You will never go back to commercial banking."

LaShawn C.

Robert V.
"I’ve been a loyal member of Spectrum Credit Union for 35 years. From the very beginning, Spectrum has been more than just a financial institution; it’s been like a family bank to us. Over the years, I’ve relied on Spectrum for all my banking needs – from managing our home account to securing loans, Certificates, and even opening accounts for our kids.
One of the standout moments was when my daughter purchased her first car. The process was smooth and personalized, making it a memorable milestone for her.
In the old days, as our family moved from town to town, I always kept Spectrum as my main account with direct deposit because of the exceptional service and trust we’ve built over the years.
Spectrum Credit Union has been a cornerstone of our financial life and has consistently provided the reliable, supportive service we’ve come to cherish. Here’s to many more years with our family bank!"

Ambreen R.
"The whole experience is so easygoing…I’ve had home loans, car loans, almost everything. Every time I need something, whether it’s a loan or something else, there's always someone available who can help me. I have purchased several cars with Credit Union auto loans and refinanced my first home mortgage with the Credit Union because the rates were so much better."
Come meet our friendly team in the Gulf Coast area
Covington (Chevron FCU)
100 North Park Blvd., Suite B1302
Covington, LA 70433
Monday, Tuesday, Thursday, Friday
8:30 a.m. – 4 p.m.
Wednesday
9:30 a.m. – 4 p.m
Closed daily for lunch: 11:30 a.m. – Noon
Phone
985-590-6300
Oak Point (Chevron FCU)
10285 Highway 23 - Gate 1
Belle Chasse, LA 70037
Monday, Tuesday, Thursday, Friday
8 a.m. – 3:30 p.m.
Wednesday
8:30 a.m. – 3:30 p.m.
Closed daily for lunch: 12 p.m. - 12:30 p.m.
Phone
504-285-0050
Pascagoula (Chevron FCU)
4150 Industrial Road
Pascagoula, MS 39581
Monday, Tuesday, Thursday, Friday
Ochsner employees can access their accounts at any Spectrum Credit Union or Chevron Federal Credit Union branch, 5,600+ CO-OP Shared Branches, and 85,000+ surcharge-free ATMs.
1 APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. Rate subject to change without notice.
2Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
3Other restrictions may apply.
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.