Join Today!

Here's what you'll need for each applicant to get started:

  • 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 (optional)

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


Membership options

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): Please stop by a branch, or give us a call at 800-782-8782. For those outside the U.S., call 510-251-6000.

Membership Application

Minor Membership Application



Apply for 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.


Expatriate Application


Add accounts

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.


Log in to Online Banking



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.