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Becoming a member of SPELC Federal Credit Union will give you the capability of using the following services:

Family Membership

Once-A-Member, Always-A-Member

Electronic Services
CU@ HOME Online Banking and Bill Pay
ACH and Direct Deposit
Wire Transfers
Visa Debit Cards
Visa Credit Cards
Enhanced Authentication
EZ Mail Newsletter

Teller Services
Money Orders
Notary Services
Fax Service to Members
NADA Car Book Quotes
Drive Up Lane and Night Deposit
Visa Prepaid Debit Cards
Visa Gift Cards
Visa Travel Cards

Insurance Services
Credit Disability/Credit Life Insurance
Discount Accidental Death & Dismemberment Insurance
GAP (Guaranteed Asset Protection)
MRC (Mechanical Repair Coverage)

See our Product Page for types of Loans and Savings.

Some of these services have a fee charge. Please see our Fee Schedule.

Online Services

SPELC Federal Credit Union strives to make your online experience an easy one. We have the following online services:

CU@HOME Online Banking
Bill Pay

What is it?
This is a new tool that provides extra protection for your online data and helps guard against fraudulent online activities like phishing scams and identity theft.
How does it work?
In addition to your Logon ID and Security Code, the system recognizes your computer and usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before allowing access.
How does it protect against phishing?
When you enroll in Multi Factor Authentication (MFA), you choose a secret image and phrase combination. You will see your secret image and phrase, you can be reassured that you are logging on to your actual Internet Banking or Bill Payment site.
This enhancement has already been implemented on EzCardInfo for our VISA Credit Cards.

EzCardInfo (For Visa Credit Cards)
Check Reordering

You can also download the following application from our website:
Membership Application
Loan Application
Visa Credit Card Application

We also provide a loan calculators for easy loan payment calculations.