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Whether you’re new to Bechtel or a longtime employee, you are welcome and encouraged to join Spectrum Credit Union (formerly Bechtel Employee Credit Union). We have been a benefit for Bechtel employees for generations. We’re committed to being your financial partner and guide for your lifetime, no matter where your career takes you. We promise you individualized service, low fees and, yes, incredibly competitive rates.

 

As a not-for-profit and member-owned financial institution, we always invest in you.

Why so many Bechtel employees belong

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Trust

  • Bechtel employees have trusted Spectrum Credit Union with their financial needs for over 50 years
  • Strong member satisfaction scores, year after year

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Personalized Service

  • Dedicated staff will develop a personal rapport with you and go above and beyond to meet your needs
  • Advisory councils of Bechtel employees guides our personal service for you

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Guidance

  • Online financial education to help you navigate life stages
  • Comprehensive personal finance webinars and on-site workshops

try the Spectrum experience. You will never go back to commercial banking.”

Spectrum Branch Manager Brad Hardy
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Spectrum Team with contest winner

Ways Spectrum goes above and beyond for you

Checking & Savings

  • Free checking with no minimum balance
  • High-yield money market savings accounts and share certificates (CDs)
  • 7.00% APY MySavingsSM Youth Account1
  • Deposits are federally insured by the NCUA2

 

Service & Convenience

  • 18 credit union branches, with access to 5,000+ shared branch network
  • 24/7 member service via phone
  • Virtual banking from anywhere
  • Highly-rated mobile banking app and convenient online banking
  • 85,000+ surcharge-free network ATMs

 

Home Loans

  • Leading mortgage 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
  • Corporate relocation support, tailored to your needs

 

Consumer Loans

  • Competitive new and used auto, motorcycle, RV, and watercraft loans
  • Low-rate personal loans and line of credit

What Bechtel employees are saying

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Charlie C.

Houston Galleria

"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."

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Barbara C.

Houston Galleria

"Upon relocating to Houston from Chile, the team at Spectrum kindly walked me through the process of opening a bank account, acquiring a credit card, and purchasing a vehicle. An international relocation is a very stressful process on its own and the team at Spectrum helped with efficiently setting me up with basic necessities and they were always attentive to my questions and requests. My move was definitely made easier because of their help!"

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Briana S.

Houston Galleria

"I have been a Bechtel employee since 2008 with multiple Spectrum accounts over time. I am extremely satisfied with the personalized service I have received with each advisor providing trusted guidance throughout the process. The Spectrum team is dedicated to building  relationships with their members and continually collaborate to support their needs. While they provide effective steps and planning for financial success, they also go above and beyond to do more than just that by giving back to all of our employees.  I have enjoyed the friendly nature and willingness to help any time it is needed by the entire Spectrum team. I highly recommend their services."

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Subhan S.

Reston

"Excellent customer service. Zeeshan Mehmood has been helpful with all of my questions regarding banking. He is very informative and friendly."

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Benjamin G.

“My experience with Spectrum was great with my car loan since they got me the best possible rate that not even the dealer was able to beat.”

Come say "hi" at a branch inside these Bechtel offices location marker

CityWest

2105 CityWest Blvd., Suite 190
CityWestPlace Building 3
Houston, TX 77042

Monday, Tuesday, Thursday, Friday

8 a.m. – 4 p.m.

Wednesday
9 a.m. – 4 p.m.

 

Reston

12011 Sunset Hills Road, Suite 110
Reston, VA 20190

Tuesday and Thursday

8 a.m. – 4 p.m.

Wednesday
9 a.m. – 4 p.m.

Closed daily for lunch
1 p.m. – 1:30 p.m.

Restricted to badge access only.

 

Pleasant Hill

3003 Oak Road, Suite 106
Walnut Creek, CA 94597

Monday, Tuesday, Thursday, Friday

9 a.m. – 4 p.m.

Wednesday
9:30 a.m. – 4 p.m.

 

Chevron Federal Credit Union is a sister credit union and a part of our family of branches, so Bechtel employees 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.

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.

As a Bechtel employee, you qualify for membership. Belong and benefit.

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