New Membership
Eligibility
Patriot Act: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying documents.
Applying is fast and easy!
You will need the following information in order to complete the application:
Applying is fast and easy!
You will need the following information in order to complete the application:
Government-issued ID/Drivers License/State ID or Passport with current address
Your complete physical and mailing address
Social Security Number
Date of Birth
Select your eligibility
Relation to current member
Family Member's Name
Living in household with current member
Member's Name
I am a part of a Select Employer Group; Preferred Partner Program
Select Employer Group
I am a contractor or an employee of a contractor who works regularly at the Naval Research Laboratory in Washington DC.
I am a civilian or military employee of the U.S. Government regularly stationed at or paid by the Naval Research Lab.
I wish to join the American Consumer Council
Required Products
Select at least one of the following products required for membership
Share Membership Savings
Our Share Membership Savings is a dividend-earning account that establishes your Spectra Credit Union membership. The minimum required balance is $5.00.
APY: 0.05% Min Deposit: $5.00 Max Deposit: $500.00
You may select one of the following products
Available Products
APY (Annual Percentage Yield)
Your Selected Products
Please answer the following question(s)
If you have received a promo code, please enter here
If you heard about us at an event, please select that event code here.
To verify your identity, please provide the following information:
We apologize for not being able to verify your information. Please contact your financial institution for further assistance.
We have encountered an issue
Thank you for considering us for your financial services needs. We are sorry that we cannot continue with your application for the following reasons:
Application Cancelled
Application Cancelled
We have cancelled your application.
If this was a mistake and you would like to fix errors you can return to the application now.
Funding
Funding
How much do you want to deposit?
How do you want to fund your new account?
There was a problem with your request
This account does not have sufficient balance to cover the total required deposit.
Please select another account.
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We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.
'Doing Business As' Information
'Doing Business As' Information
DBA Business Information
Click for more information
SSN IconLock
SSN IconQuestion
Tell Us About Yourself
Tell Us About Yourself
Current Physical Address
Contact Information
Identification
About Your Employment
Upload Documents
Please upload any pertinent documents for your Membership Application including a copy of the front of your ID.
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
You're logged in as Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
Joint Applicant Information
About Your Joint Applicant
Current Physical Address
Contact Information
Identification
About Your Employment
Upload Documents
Please upload any pertinent documents for your Membership Application including a copy of the front of your ID.
Beneficiaries Information
Tell us about your beneficiaries
Beneficiaries percent share information page
Tell us about your beneficiary percent shares
Review and Submit
Review and Submit
Product Selections
Additional Application Information
Applicant Information
Contact Information
Identification Information
Secondary Identification Information
Address
Employment Information
Previous Employment Information
Joint Applicant Information
Joint Applicant Contact Information
Joint Applicant Identification
Joint Applicant Secondary Identification
Joint Applicant Address
Joint Applicant Employment Information
Beneficiary Information
Funding Source
Please answer the following question(s)
Will you send and/or receive wire transfers?*
Will you send and/or receive other electronic transfers? (e.g. payroll deposits, automatic withdrawals)*
Are you or have you ever been a Politically Exposed Person (PEP)?*
Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Authentication Questions
Almost Done
Almost Done
Please complete the account funding to activate your account.
Funding later may delay account activation
Congratulations
Funds Pending
Almost Done
Almost Done
Please complete the account funding to activate your account.
Funding later may delay account activation
Congratulations
Funds Pending
Almost Done
Almost Done
Please complete the account funding to activate your account.
Funding later may delay account activation
Congratulations
Funds Pending
Almost Done
Almost Done
Please complete the account funding to activate your account.
There was a problem with your request
Access Denied
Product Funding Limit Exceeded
The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.
| Product Type | Maximum Deposit | Your Requested Deposit |
|---|---|---|
| Checking | ||
| Savings | ||
| Certificate |