Today's rates for members

We make membership worth it by working hard for you

Home Purchase

Conforming 15-Year Fixed

6.250% Rate*

6.369% APR*

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Vehicle Loans

New Auto, 12-60 months

5.99% Rate*

5.99% APR*

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Money Market Savings

Minimum deposit required

3.92% Rate*

4.00% APY*

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Share Certificates

$500 minimum, 12 months

4.69% Rate*

4.80% APY*

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*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


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!”

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.