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As a member of Spectrum Credit Union, you’ll enjoy personalized service from people who know you. We’ll be your trusted partner in reaching financial success. Life’s an exciting journey, and we’ll be by your side through it all.

Ready to belong?

Current member?

Are you a current member who wants to open new accounts?

  • Log in to Online Banking
  • Select Add New Accounts and the type of account you’d like to open under your existing membership

Your options for membership

Primary and joint memberships
Use the standard Membership Application to join as an individual member or as a joint member. Open your Primary Share Savings account, with the option to add other deposit accounts.

Minor memberships
Use the Minor Membership Application for accounts in which a minor will be the Primary Member and a legal guardian will be the Joint Owner. (In order to open a MySavings account for a minor, the minor needs to be the Primary Member.)
Uniform Transfers to Minors Act account (UTMA account)
Please stop by a branch, or give us a call at 800-782-8782. For those outside the U.S., call 510-251-6000.


Options for funding your account:

  • ACH from another domestic financial institution (up to $550) – you will need the routing number and account number
  • Transfer from an existing Spectrum Credit Union account – you will need the account number
  • Mail a check payable to Spectrum Credit Union

Before beginning your application, you’ll need:

  • Social Security number
  • Government issued ID: driver’s license, state ID, or passport with current address
  • Current address
  • Date of birth
  • Employment information
  • Information to fund account
  • Proof of eligibility documents 

Next steps

  • We may contact you if we need additional information
  • Once we have everything we need, we'll send your membership agreement through DocuSign, and you'll receive an email requesting your electronic signature
  • In order to sign your membership agreement electronically, you'll be required to agree to DocuSign's terms and conditions
  • Once we have your signature, you're officially a member — we’ll send a welcome packet the next day


Expatriate services

If you’re a foreign national working for Bechtel, inside or outside the U.S., you are able to utilize a range of Spectrum Credit Union financial services. Spectrum Credit Union can help you with auto and home insurance, wire transfers, establishing your banking needs in the U.S., and more. Learn more about expatriate services.

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.