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Member Perks BALANCE Financial Fitness Tax Services Get Away Today Resources Resources Articles Contact Us ATM & Branch Finder Shared Branching Branch Information Frequently Asked Questions Enter search term here.... +0.25% off home purchase loans¹ Spread the Word! Auto loans starting at 2.64% APR* Apply Today TODAY’S Great Rates 0.90% APY Money Market $2,500 Minimum Learn More 0.95% APY Certificates 12-Month $500 Minimum Learn More 3.258% APR Mortgage Jumbo 30-Year Fixed Learn More 2.64% APR Vehicle Loans New Auto Learn More Ready to Become a Homeowner? This webinar is for you. Register Today Federal Share Insurance Explained Learn how your deposits are protected. Tell Me More Get the Most Out of Your Home Cash-Out Refinance Home Equity Line of Credit Xpress Refi Learn More Stay on Track Summer Contest Join the 3 rd Annual “Stay on Track” Summer Contest for a chance to win $500! Learn How Join Fast Step 1 Check Eligibility Join via employment, association membership, or residency in qualifying regions. Learn More Step 2 Gather Your Info We'll need your address, employment, and other information to get started. Learn More Step 3 Become a Member Open your account with just a $25 initial deposit, and you are a CFCU member! Apply Now Find a location near you and Spectrum Credit Union members can access their accounts at any CFCU or Spectrum branch, 5,000+ CO-OP Shared Branches, and 85,000+ surcharge-free ATMs. Search Location: Search location Search Use My Location Filter Results: Location Filter Search Main Branch Locations CO-OP Shared Branch Surcharge-Free ATMs Deposit-Taking ATMs Articles Learn what's new at the Credit Union. Four Ways I’ve Found to Help Reduce Rent and Save Money Aug 11, 2020 - Hunter Swanson In the midst of an economic recession and a global pandemic, many are struggling to simply afford rent. I was there myself. If you’re there too, here are four ways I’ve found can help reduce rent and save money. Read More BALANCE Webinar Schedule Aug 04, 2020 - Hunter Swanson Federal student aid. Your credit score. Retirement. Check out these helpful financial education webinars scheduled for August, September, and October respectively and register for one or all three. Read More Preparing for a Financial Setback Jul 28, 2020 - Hunter Swanson If 2020 has proven anything, it’s that life can throw some crazy curveballs. So, take a deep breath, relax, and review the following tips to help you prepare if you happen to have a financial setback. Read More View All Articles Katie and Greg treated us like we were family, like they really cared about us wanting our new home. Michael S. Santa Rosa, CA Keri took the time to speak with me and listen to me — and helped me save hundreds of dollars. I can’t say thank you enough. Linda B. Houston, TX Facing Financial Hardships? We Can Help. 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