Contact Us

Need assistance? We’re just a phone call away.

Routing Number: 321075866

Home Loan Help Desk

New mortgage inquiries: 888-750-4124

For those outside the U.S.: 510-251-6010

Home Loan Servicing:
Assistance with existing mortgages: 866-894-8186

  • Payments
  • Auto-Draft Payments
  • Mortgage Payoffs
  • Escrow

For those outside the U.S.: 510-251-6015


Debit Cards

To report a lost or stolen ATM/Debit card: 800-472-3272

For those outside the U.S.: 614-564-3075


To activate/assign a PIN to a new ATM/Debit card or to change an existing PIN: 800-992-3808

For those outside the U.S.: 614-564-3074

Credit Cards

To report a lost or stolen credit card: 866-633-9958

For those outside the U.S.: 701-461-1878 (call collect)


To report a lost or stolen VISA HELOC credit card: 800-234-5354

For Everything Else

Call Center (24-hour service): 800-782-8782

For those outside the U.S.: 510-251-6000


Online Banking Department: 800-782-8782, Option 3

Secure Fax Number: 415-522-5160

To send and receive secure emails

If you are a Spectrum Credit Union member and need to send or receive sensitive account information, please log in to PC Access and click on “Secure Email” to transmit your message via Secure Email.

Shipping Address:

Spectrum Credit Union
2300 Clayton Road, Suite 700
Concord, CA 94520

Mailing Address:

Spectrum Credit Union
P.O. Box 4107
Concord, CA 94524

Get in touch with us

How can we help you?

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.