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Eligibility

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

I am eligible through a Bechtel affiliation:

Select Bechtel Affiliation

I am eligible through an existing member:

Select Existing Member Relationship

I am eligible through a Chevron affiliation:

Select Chevron Affiliation

I am eligible through one of the following companies:

Select Company

I live, work, worship, attend school, or volunteer in one of the following communities:

Select Community Group

I am eligible through one of the following associations:

Select Association

I am eligible through another method not listed above:

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None of the above affiliations apply to me, so please sign me up with the Financial Fitness Association (FFA). I understand that the Credit Union will pay my initial FFA membership fee.

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Required Products

Select at least one of the following products required for membership

Primary Share

Everyone at the Credit Union must have a Primary Share (Savings) account with a minimum deposit of $25. If two applicants are applying as a Primary Member and a Joint Member, the minimum deposit is $50.

APY: 0.75% Min Deposit: $25.00

You may select one of the following products

Available Products

Recommended Savings Certificate Account

Checking

No monthly service charge. Dividends paid on balances over $500. Please click here for the current rate available.

MarketEdge

MarketEdge Money Market Savings account. Balances of $2,500+ earn our highest savings rate. Monthly transaction limitations apply per federal regulations. Please click here for the current rate available.

3 Month Certificate

Please click here for todays rates.

Min Deposit: $500.00

6 Month Certificate

Please click here for todays rates.

Min Deposit: $500.00

9 Month Certificate

Please click here for todays rates.

Min Deposit: $500.00

1 Year Certificate

Please click here for todays rates.

Min Deposit: $500.00

2 Year Certificate

Please click here for todays rates.

Min Deposit: $500.00

3 Year Certificate

Please click here for todays rates.

Min Deposit: $500.00

4 Year Certificate

Please click here for todays rates.

Min Deposit: $500.00

5 Year Certificate

Please click here for todays rates.

Min Deposit: $500.00

MySavings

Available for members under age 22. If the MySavings account holder is a Minor, please use the Minor membership application. Only one MySavings account per member is allowed. Deposits of up to $1,000 will earn 7.00% APY. Deposits over $1,000 earn the standard Savings rate. eStatements is required to be eligible for these rates.

Sub Savings

Savings accounts opened in addition to the Primary Share are known as Sub-Savings accounts. They are a convenient way to keep track of balances for individual savings goals like a vacation or emergency fund. Dividends paid on balances over $500. Sub-Savings accounts earn the same rate as the Primary Share. Please click here for the current rate available.

APY (Annual Percentage Yield)

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Funding

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Total Deposit

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Credit Card (max $500.00)

Transfer From Another Financial Institution (max $2,500.00)

Internal Transfer

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Instant Account Verification

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.

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'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

Upload proof of eligibility (optional)

Click or tap here to capture or upload an image or document.

Additional Information

Please select the appropriate applicant level.

1. Primary - You are the first applicant on this membership.

2. Joint Owner - You are a co-applicant on this membership. You get the same rights and access to deposit accounts as the Primary, but you cannot request a loan or vote for Board members.

3. Joint Member - You are a co-applicant on this membership. You get the same rights and access as the Primary, including the ability to request a loan and vote for Board members. Both applicants need to be Members if you are applying for a loan.

*

Please select the appropriate eligibility.

Please enter the relationship of the family member

Please enter the related persons name

Please indicate how you are eligible for membership.

REGULATORY QUESTIONS: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. The following questions must be answered.

1. Do you hold a senior political position with a foreign government? *

2. What is the position held?*

3. In what country?*

1. Does a close associate or family member hold a senior political position with a foreign government? *

2. What is your relationship to the associated person?*

3. What is the position held?*

4. In what country?*

Do you have any beneficiaries?

Yes

No

Do you have another applicant?

Yes

No

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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

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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

Done

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.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Additional Information

Please select the appropriate applicant level.

1. Primary - You are the first applicant on this membership.

2. Joint Owner - You are a co-applicant on this membership. You get the same rights and access to deposit accounts as the Primary, but you cannot request a loan or vote for Board members.

3. Joint Member - You are a co-applicant on this membership. You get the same rights and access as the Primary, including the ability to request a loan and vote for Board members. Both applicants need to be Members if you are applying for a loan.

*

Please select the appropriate eligibility.

Please enter the relationship of the family member

Please enter the related persons name

Please indicate how you are eligible for membership.

REGULATORY QUESTIONS: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. The following questions must be answered.

1. Do you hold a senior political position with a foreign government? *

2. What is the position held?*

3. In what country?*

1. Does a close associate or family member hold a senior political position with a foreign government? *

2. What is your relationship to the associated person?*

3. What is the position held?*

4. In what country?*

Continue Or Go Back

About Your Joint Applicant

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Current Physical Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Upload Documents

Upload proof of eligibility (optional)

Click or tap here to capture or upload an image or document.

Additional Information

Please select the appropriate applicant level.

1. Primary - You are the first applicant on this membership.

2. Joint Owner - You are a co-applicant on this membership. You get the same rights and access to deposit accounts as the Primary, but you cannot request a loan or vote for Board members.

3. Joint Member - You are a co-applicant on this membership. You get the same rights and access as the Primary, including the ability to request a loan and vote for Board members. Both applicants need to be Members if you are applying for a loan.

*

Please select the appropriate eligibility.

Please enter the relationship of the family member

Please enter the related persons name

Please indicate how you are eligible for membership.

REGULATORY QUESTIONS: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. The following questions must be answered.

1. Do you hold a senior political position with a foreign government? *

2. What is the position held?*

3. In what country?*

1. Does a close associate or family member hold a senior political position with a foreign government? *

2. What is your relationship to the associated person?*

3. What is the position held?*

4. In what country?*

Continue Or Go Back
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Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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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

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Please answer the following question(s)

Is this membership being concurrently opened with a Loan?*

Were you referred by a family member, friend, or co-worker? Enter your Referral Code here:

Did you receive a referral code from a Spectrum CU staff member? Enter it here:

Do you have a Promo Code? Enter it here:

RD Tracking Code (Staff-Use Only)

How did you hear about us?*

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.

I have read and agree to the terms of the Master Account Agreement and Disclosure.

I have read and agree to the terms of the Co-Branding Disclosure.

I have read and agree to the terms of the Privacy Policy.

I have read and agree to the terms described in the ESIGN Consent.

I have read and agree to the terms described in the Fee Schedule.

I have read and agree to the terms described in the USA Patriot Act Notice.

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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

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