CU Services

Access your account in a $nap by downloading our New App

Coming Soon

Your SPCTFCU Debit card will soon be compatible with Apple Pay®, Google Pay® and Samsung Pay®

24/7 Audio Teller

For your convenience, our automated Voice Response System lets you access your account from a Touch-Tone Phone. You can obtain your account activity information, perform an account transaction and receive rate and general information. This service is available 24 hours a day, 7 days a week --including holidays!!! Please check with a member services representative for your account number and password.

24 Hours a day - 7 days a week
Phone: 1-866-364-8600


Switching to Estatements can provide Fast Delivery, Increased Security, Easy Access, Reduced Clutter, and it is Environmentally Friendly.
Sign up today! *Also available on our $napCU Mobile App.

Bill Pay

Pay your bills online when you sign up for Direct Deposit and E-statements! You can pay your bills with no monthly fee and pay up to four bills per month at no charge. Each payment after that will only cost $1.00. Sign up today! This offer only for members that sign up for e-statements and Direct Deposit.Enroll in bill pay →.

Debit Cards

Our Mastercard Check Card allows you to make purchases that would otherwise require writing a check. The card then automatically deducts the amount of the purchase directly from your checking account. You also have the convenience of using your card at any ATM that displays the Mastercard logo. (Subject to approval) If you need to report a lost or stolen Mastercard debit card, please call the following number during office hours. 1-877-441-8600.

Direct Deposit & ACH

Direct Deposit is the no cost safe way to automatically deposit your net pay, Social Security, or pension(s) check(s) into your credit union account. Never again make a special check cashing trip or worry about a lost, stolen, or mail delayed check. Your money is automatically transferred and immediately available every payday. Direct deposits can be placed in any number of your various credit union account(s). It’s a great way to establish a no excuses savings plan and to make loan payments automatically…. and there’s no sign up fee.

Direct Deposit Form   |   ACH Payment Authorization Form

Payroll Deduction

At SPCFCU you can deduct an exact amount of money from your paycheck each pay period and have it automatically deposited into your Credit Union account. Use this money to save and/or automatically pay your loan each month. View the payroll deduction form →.

Overdraft Protection from Savings

This service protects your checking account against non-sufficient checks. Your savings account is automatically debited for the amount of the check plus a $3.00 transfer fee. Never bounce a check again.
*subject to available funds in savings account

Recurring Transfers

Pay yourself first! Call us to set up a predetermined amount to transfer to your savings or kids savings account. Loan payments can also be set up automatically.

Certificates of Deposit

If you like to receive higher returns on your investments, our share certificates are just what you're looking for. Our term share certificates of deposit are available for as little as $2,500.00 with rates among the best in the area. We offer six month term Certificates of Deposit to 5 years and interest earned is automatically credited to your account monthly. View current rates →.

Wire Transfers

We can wire transfer to any domestic financial institution for a nominal fee.

$napCU Mobile App

Enables access to your account from anywhere at anytime, transfer loan payments, transfer between linked accounts, view statements, mobile check deposit and more. Download our $napCU Mobile App at App Store or Google Play and stay connected on the go. Available for iPhone and Android.

Pre-Approval for New and Used Vehicles

A quick and easy way to purchase your next vehicle. The forms are available online or on our $napCU Mobile App. Fill out the loan application, submit it and receive a response within 24 hours. An Authorization letter with your interest rate and approval amount will be sent to your email. Take the Authorization letter with you to the dealership of your choice.

Money Desktop

A free Personal Money Management tool that allows you to import all of your financial information into one place. The information gathered allows you to look at spending trends as well as setting financial goals.

Mobile Check Deposit

A convenient and easy way to deposit a check from anywhere at anytime. Using a Smartphone download our $napCU Mobile App. Take a picture of the check click submit and it is done.


Enables you to turn your card on and off as needed. Download the app and help prevent fraudulent charges. App available for download for both Android and iPhone.

Pay Loans with Debit and Credit Cards

This feature enables you to make a loan payment using a credit card or debit card.
Click here to pay loans.

Notary Service

Notary Service is available at no charge for current members of the Credit Union. Please call ahead to make sure we have a notary available at the time and location you plan to visit.