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Trust
- Members have trusted us with their financial needs since 1935
- Strong member satisfaction scores year after year
As a NextDecade employee or family member, you can 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.
As a not-for-profit and member-owned financial institution, we always invest in you.
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Trust
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Personalized Service
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Guidance



We make it easy for you to join. Complete our online membership application and a member of our team will contact you to finalize the details.
For more information, please click here.
Get your paychecks deposited automatically – no delays, no extra steps. Once your membership is approved, simply provide your employer with your new Spectrum account and routing numbers.
Access our special mortgage program for expat members (with a valid Social Security Number). Connect with our home loan team to get personalized guidance through eligibility, documentation, and closing.
We offer expat-friendly auto loans, with flexible documentation options to make financing easier. Customized for employees relocating from abroad, our team will walk you through the process from application to funding.
Checking & Savings
Service & Convenience
Home Loans
Consumer Loans


“As a member, I get my pay a bit earlier, and I have easy access to the branch. With Spectrum, I also have access to free notaries, car loans, personal loans, everything! I can also walk into my branch, and everyone knows me by name and often asks how my family is doing. We check in on each other.”
"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."
"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!"
48326 State Hwy 48
Port Isabel, TX 78578
Monday, Tuesday, Wednesday, Thursday, Friday
11:30 a.m. – 4 p.m.
Closed for lunch
12:30 p.m. - 1:15 p.m.
333 Clay St., Suite 200
Houston, TX 77002
Monday, Tuesday, Thursday, Friday
8 a.m. – 4 p.m.
Wednesday
9 a.m. – 4 p.m.
1500 Louisiana St, Suite 01248
Houston, TX 77002
Monday, Tuesday, Thursday, Friday
8 a.m. – 4 p.m.
Wednesday
9 a.m. – 4 p.m.
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.
Video Banking Appointments Now Available
Schedule an appointment to meet with a team member over video from your computer or mobile device. Experience the same caring, personalized service from wherever it works best for you.
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.
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.